Question 1

What is Caldwell Bank & Trust?

Accepted Answer

Caldwell Bank & Trust is a community-focused commercial bank operating in rural Louisiana. With approximately $290 million in total assets and 5 branch locations, the bank specializes in agricultural lending while serving the broader banking needs of individuals and businesses across north-central Louisiana.

As a state-chartered, FDIC-insured institution that is not a member of the Federal Reserve System, Caldwell Bank & Trust operates as a Subchapter S corporation and is held by Caldwell Holding Co. The bank has built a reputation for combining personalized, local service with modern banking technology.

Question 2

When was Caldwell Bank & Trust founded?

Accepted Answer

Caldwell Bank & Trust was established on January 1, 1902, making it one of Louisiana's longstanding community banks with over 120 years of continuous operation. The bank was founded to serve the financial needs of Caldwell Parish and surrounding rural communities in north-central Louisiana.

The institution received FDIC deposit insurance on January 1, 1934, shortly after the creation of the Federal Deposit Insurance Corporation. Throughout its history, the bank has maintained its commitment to community banking while adapting to changing financial landscapes and customer needs.

Question 3

Where is Caldwell Bank & Trust headquartered?

Accepted Answer

Caldwell Bank & Trust is headquartered at 202 Main Street in Columbia, Louisiana, 71418. Columbia is the parish seat of Caldwell Parish, located in the north-central region of the state.

The headquarters location serves as both the bank's main administrative center and a full-service banking branch for the local community.

Question 4

Where does Caldwell Bank & Trust operate?

Accepted Answer

Caldwell Bank & Trust operates 5 full-service branches across north-central Louisiana, serving multiple parishes in the region. The bank's branch locations include:
• Columbia (2 locations): Main office at 202 Main Street and Columbia Heights Branch at 8157 Highway 165
• Olla: Branch at 3271 Main Street
• Winnsboro: Franklin Parish Office at 3591 Front Street
• Oak Grove: Oak Grove Banking Center at 140 Industrial Boulevard

This strategic footprint allows the bank to serve customers across Caldwell Parish, Franklin Parish, and West Carroll Parish, focusing on rural and small-town communities throughout the region.

Question 5

What services does Caldwell Bank & Trust offer?

Accepted Answer

Caldwell Bank & Trust provides a comprehensive range of personal and commercial banking services tailored to the needs of rural Louisiana communities. Core offerings include various checking accounts, savings accounts, certificates of deposit, and money market accounts.

The bank offers commercial lending with a particular emphasis on agricultural financing, reflecting its agricultural specialization designation. Commercial and industrial loans, real estate lending, and consumer loans round out the lending portfolio.

Digital banking services include online banking, mobile banking with a dedicated CB&T mobile app, mobile check deposit, telephone banking (available 24/7), and bill pay services. The bank provides Visa debit cards for all personal checking accounts at no additional cost.

Additional services include trust and fiduciary services (with powers exercised), ATM access, account alerts, fund transfers, and traditional in-person banking at all branch locations.

Question 6

What makes Caldwell Bank & Trust unique?

Accepted Answer

Caldwell Bank & Trust distinguishes itself through its "banking simplified" philosophy, which emphasizes straightforward, personalized service without unnecessary complexity. The bank combines the accessibility of local, friendly staff with modern digital banking capabilities.

As an agricultural specialist bank, Caldwell Bank & Trust has deep expertise in farm and ranch financing, understanding the unique seasonal cash flows and capital needs of agricultural operations. This specialization, combined with over 120 years of local market knowledge, positions the bank as a trusted financial partner for farming families and agribusinesses.

The bank's strong financial performance, with a return on assets (ROA) of approximately 1.3% and return on equity (ROE) of over 14%, demonstrates effective management while maintaining its community banking focus. With approximately 57 employees serving a deposit base of approximately $250 million, the bank maintains a personalized approach where customers know their bankers by name.

Question 7

What type of financial institution is Caldwell Bank & Trust?

Accepted Answer

Caldwell Bank & Trust is a State Commercial Bank chartered under Louisiana state banking laws. As a state-chartered institution, it is supervised by the FDIC rather than the Federal Reserve System (it is a non-member bank).

The bank operates as a community bank with an agricultural specialization, focusing on relationship banking and serving the specific needs of rural communities. Its designation as a community bank under regulatory definitions reflects its local ownership structure, community focus, and relationship-based banking model. As a Subchapter S corporation, the bank has elected a specific tax treatment that benefits its shareholders while maintaining its community banking mission.

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