Eagle Bank and Trust Company

What Eagle Bank and Trust Company does

Eagle Bank and Trust Company is a privately held, Arkansas-chartered community bank founded in 1919 and headquartered at One Financial Centre in Little Rock. It serves individual consumers, small and mid-size businesses, and homebuyers through 13 full-service bank branches concentrated in central Arkansas and mortgage loan production offices operating under the Eagle Bank Mortgage and InterWest Mortgage brands across five states (Arkansas, Idaho, Louisiana, Tennessee, and Mississippi). The product set spans personal and business checking and savings accounts, consumer and commercial loans, residential mortgages (Conventional, FHA, VA, Rural Development — the latter routinely sold to Fannie Mae in the secondary market), and Visa credit cards issued through TCM Bank, N.A., with specialty offerings such as a youth/teen savings line-up, senior-focused Summit 55 travel program, and business cash management (ACH, Positive Pay, Remote Deposit Capture, Merchant Services).

The bank operates on a traditional core-banking stack augmented by third-party digital channels: online banking and the iOS/Android mobile app run on the FundsXpress platform; debit card management is delivered via FIS's Card Suite Lite; person-to-person payments are routed through Zelle; and the Mastercard-branded debit portfolio supports Apple Pay, Google Pay, and Samsung Pay tokenized mobile wallet payments. No proprietary AI/ML or data flywheel is disclosed; fraud prevention relies on vendor-supplied anomaly and chip-security monitoring. Compliance is anchored by FDIC membership, Equal Housing Lender status, NMLS mortgage registration (#410317), and GLBA/CCPA-aligned privacy disclosures.

Revenue mechanics follow a standard community-bank model: net interest income from deposits, mortgage and consumer lending (HELOCs, auto/boat/RV/ATV, construction), and commercial real estate and equipment loans, supplemented by non-interest income from account service charges, cash management, and merchant services. Customer segments are horizontally distributed across retail consumers, youth/seniors, SMBs, and homebuyers — with pricing structured in tiered subscription-style account packages, transaction fees on cash management, and transactional fees on loan origination and card interchange. The bank is controlled by State Holding Company, with affiliates including Eagle Development Company South, and is led by CEO and President Jeff Lynch and Chairman Cathy Owen.

Name

Eagle Bank and Trust Company

Legal name

Eagle Bank & Trust Company

Website

https://eaglebank.com

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

101–250 employees

Short description

Eagle Bank and Trust Company is a privately held Arkansas community bank founded in 1919, operating 13 branches and mortgage offices across five states to deliver personal and business banking, residential mortgages, credit cards, and cash management to consumers, small and mid-size businesses, and homebuyers.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Retail banking services
• Community banking
• Consumer lending
• Mortgage lending
• Small business banking

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

Offices20 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Personal Checking Accounts: Various checking account products including Basic, Classic, Preferred, and Advantage tiers with minimum balance requirements and monthly service charges
2. Savings Accounts: Multiple savings products including Eagles Nest, Rail Rider (youth), Expeditioner (teen), Christmas Club, and Eagle Prime Money Market accounts
3. Consumer Loans: Home equity loans, HELOCs, construction loans, and consumer loans for auto, boat, RV, and ATV with competitive rates and flexible terms
4. Mortgage Loans: Conventional, VA, FHA, and Rural Development mortgage products offered through mortgage loan production offices in 5 states
5. Credit Cards: Visa credit card products including Rewards Platinum, Cash Rewards Platinum, and Platinum Edition issued through TCM Bank, N.A.
6. Business Checking and Services: Business checking accounts with free transactions, cash management services, business credit cards, and merchant services
7. Cash Management Services: ACH origination, Positive Pay, Remote Deposit Capture, and Merchant Services for business customers

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Eagle Bank and Trust Company is a community bank offering personal and business banking products including checking accounts, savings accounts, consumer and commercial loans, mortgages, and credit cards. The bank delivers these services through 13 full-service branch locations plus mortgage loan production offices across five states, complemented by digital channels including online banking, a mobile app, Zelle P2P payments, mobile wallet, and cash management tools.

Product overview

Eagle Bank and Trust Company is a community bank offering a comprehensive suite of banking products and services through both physical branch locations and digital channels. The core banking platform consists of personal and business checking and savings accounts, consumer and commercial loans, and credit cards. Digital banking features include Mobile Banking app, Online Banking, Mobile Wallet (Apple Pay, Google Pay, Samsung Pay), Card Suite Lite for debit card controls, and Zelle® for P2P payments. Mortgage lending operations span multiple states under the Eagle Bank Mortgage and InterWest Mortgage brands, offering Conventional, VA, FHA, and Rural Development loans. Business banking includes specialized Cash Management services (ACH, Positive Pay, Remote Deposit Capture, Merchant Services) and business credit cards. The bank also offers a senior-focused Summit 55 Travel program and various financial planning calculators. The product architecture follows a unified banking platform with modular digital add-ons accessible via web and mobile applications.

Differentiator

Problem solved

Functional benefit

Brands

• Summit 55: A senior travel account program for customers aged 50 and older, offering premium rate CDs, free cashier's checks, notary services, newsletters, and group travel opportunities.

Products and services

• Personal Checking Accounts Tiered personal checking account products including Basic, Classic, Preferred, Advantage, and Bank On variants, each with distinct minimum balance requirements and monthly service charge structures, designed for individual consumers and households.
• Personal Savings Accounts Multiple savings account products for individuals and families including Eagles Nest (standard savings), Rail Rider (youth ages 0-12), Expeditioner (teen ages 13-18), Christmas Club (seasonal savings), and Eagle Prime Money Market (tiered interest rates).
• Consumer Loans (Auto, Boat, RV, ATV) Personal loans for Auto, Boat, RV, and ATV purchases with competitive rates, flexible terms, and local decision-making for individual borrowers.
• Home Equity Loans Fixed-amount loans secured by home equity for large projects or purchases with known precise borrowing amounts, designed for homeowners.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity allowing flexible borrowing and repayment for expenses such as vacations, debt consolidation, and college tuition.
• Personal Credit Cards Visa credit card products issued through TCM Bank, N.A., including Rewards Platinum (points on spending), Cash Rewards Platinum (cash back), and Platinum Edition (competitive APR with fraud protection), all with chip security and mobile payment capability.
• Business Checking Accounts Business checking accounts including Free Business Checking ($100 to open, 200 free transactions per cycle) and Regular Business Checking ($500 minimum daily balance, 250 free transactions per cycle), designed for small to mid-size businesses.
• Business Savings Accounts Eagles Nest Commercial Savings account for businesses with nine free debits per quarter and $2.00 charge per debit over nine.
• Business Credit Cards Visa business credit card products including Small Business Rewards, Small Business Cash Rewards, Small Business Edition, and Company Rewards Charge Card, with rewards points or cash back and expense management features.
• Commercial Real Estate Loans Loans for commercial real estate purchases and expansions with competitive rates and local decision-making for business borrowers.
• Business Construction Loans Business construction financing for building expansions or new commercial facilities with local decision-making.
• Equipment Financing Financing solutions for business equipment purchases, providing capital for operational asset acquisition.
• Business Lines of Credit Revolving credit lines for business operational needs, providing flexible working capital access.
• ACH Origination Automated Clearing House service for processing direct deposit payroll and electronic payments, supporting business cash management workflows.
• Positive Pay Cash management fraud prevention tool matching business-issued checks with those presented for payment, protecting against check fraud.
• Remote Deposit Capture Check scanning service allowing businesses to deposit checks remotely with account reconciliation and transaction reporting capabilities.
• Merchant Services Credit and debit card acceptance services for businesses, enabling payment processing with competitive rates and customer support.
• Conventional Mortgage Loans Standard mortgage loans with down payment requirements varying by situation, suitable for individuals with good credit scores, sold in secondary mortgage market through Fannie Mae.
• VA Mortgage Loans Veterans Affairs backed mortgages offering 100% financing options for current or ex-military personnel.
• FHA Mortgage Loans Federal Housing Administration insured mortgages requiring relatively low down payments, supporting broader homebuyer access.
• Rural Development Loans Rural Development mortgages offering 100% financing for homes located in qualifying rural areas.
• Online Banking Internet-based account access through the FundsXpress platform enabling balance viewing, statement retrieval, and fund transfers for personal and business customers.
• Mobile Banking App Mobile banking application for iPhone and Android devices enabling account access, check deposits via photo capture, fund transfers, loan payments, and branch/ATM location finding.
• Summit 55 Travel Program Senior travel account program for customers aged 50 and older offering banking services, premium CD rates, free cashier's checks, notary services, newsletters, and group travel opportunities including golf tournaments, ice cream socials, health fairs, and organized trips.
• Financial Calculators Online financial planning tools covering home financing, personal financing, investment, and retirement calculations, provided by TimeValue Software.

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• TCM Bank, N.A.coreStrategic or Co-development PartnerTCM Bank, N.A. issues Visa credit card products for Eagle Bank including Rewards Platinum, Cash Rewards Platinum, and Platinum Edition credit cards. Cards feature unlimited rewards, chip security, competitive rates, and mobile payment capability.
• Apple (App Store)coreTechnology or IntegrationEagle Bank mobile app distributed through Apple App Store for iPhone users, enabling mobile banking access for Apple device users
• Google (Google Play)coreTechnology or IntegrationEagle Bank mobile app distributed through Google Play Store for Android users, enabling mobile banking access for Android device users
• Early Warning Services (Zelle)coreTechnology or IntegrationZelle person-to-person payment service integrated into Eagle Bank's online and mobile banking platform, enabling fast money transfers between bank accounts
• MastercardcoreTechnology or IntegrationMastercard debit card accepted at millions of locations worldwide with mobile wallet support for Apple Pay, Samsung Pay, and Google Pay. Includes Mastercard Zero Liability protection.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bank OZK: Bank OZK is an Arkansas-headquartered bank with significant branch presence across multiple states. It is a direct competitor in residential mortgage lending, business banking, and consumer deposits across Eagle Bank's footprint.
• Simmons Bank: Simmons Bank is an Arkansas-based community bank with multi-state branch and mortgage operations serving consumers, small businesses, and commercial clients. It shares Eagle Bank's focus on local decision-making and personal service in the same Southern markets.
• Home BancShares / Centennial Bank: Centennial Bank, the primary subsidiary of Home BancShares, is an Arkansas-based community bank with branch operations spanning Arkansas, Florida, Texas, and other states. It directly overlaps Eagle Bank in personal banking, business banking, and residential mortgage products.
• Trustmark National Bank: Trustmark is a Mississippi-headquartered community bank serving consumers, businesses, and commercial clients across the Southeast. It competes with Eagle Bank in Mississippi and Tennessee consumer and small business banking.
• Renasant Bank: Renasant Bank is a community bank operating across Mississippi, Tennessee, Alabama, Georgia, and Florida with consumer banking, mortgage lending, and business banking products. It directly competes with Eagle Bank's mortgage and consumer banking operations in Mississippi and Tennessee.
• Arvest Bank: Arvest is an Arkansas-headquartered community/regional bank operating branches across multiple states in the South and Midwest. It directly competes with Eagle Bank for consumer and small business deposits, mortgages, and commercial lending in overlapping Arkansas markets with the same relationship-banking value proposition.
• Cadence Bank: Cadence Bank (formerly BancorpSouth) is a community-focused regional bank with multi-state operations including Mississippi, Tennessee, Louisiana, and Arkansas. It directly overlaps Eagle Bank's footprint in consumer deposits, mortgages, and small business banking.

Emerging players

• FNBC Bank: FNBC Bank (First National Bank of Cabot) is a smaller Arkansas-based community bank operating in central Arkansas with personal and business banking products. It is comparable to Eagle Bank in size and local market focus in Arkansas.

Broad incumbents

• First Horizon Bank: First Horizon is a large regional bank with significant Tennessee and Louisiana operations offering consumer, commercial, and mortgage banking. It competes with Eagle Bank in mortgage and small business banking across shared Tennessee and Louisiana footprint.
• Regions Bank: Regions Bank is a large regional bank with extensive branch and mortgage operations across the South and Midwest including Arkansas, Tennessee, Louisiana, and Mississippi. It competes with Eagle Bank in consumer deposits, mortgages, and small business services across all shared states.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/EagleBankandTrust
• Instagraminstagram.com/eaglebankar
• Xx.com/EagleBankAR

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eagle Bank and Trust Company