What Bank of St. Francisville does

Bank of St. Francisville is a Louisiana-chartered community bank founded in 1978 and wholly owned through the family holding company St. Francisville Bancshares Inc. It serves individuals, families, and small to mid-size businesses across five Louisiana parishes (West Feliciana, East Feliciana, East Baton Rouge, West Baton Rouge, and Pointe Coupee) plus Wilkinson County, Mississippi, through two physical branches in St. Francisville (headquarters) and Baton Rouge (Highland Road, opened 2018), supported by a small ATM network and a regional Baton Rouge Advisory Board.

The bank operates a traditional banking technology platform with full digital channel coverage: web-based online banking at olb.bsf.net, native iOS and Android mobile apps with mobile deposit, remote deposit capture for commercial clients, telebanking, bank-by-mail, and integration with mobile wallets (Apple Pay, Samsung Pay, Google Pay) and QuickBooks for statement import. Treasury Management capabilities include ACH origination, wire initiation, remote deposit capture, bill pay, and dual-control workflows. Personal and business product menus cover checking (Personal, Student, Advantage 50, Grand), savings, CDs (30-day to 5-year terms), IRAs, consumer loans (auto, boat/ATV, signature, mobile home), commercial loans and lines of credit, real estate lending (conventional, construction, HELOC to 100% LTV, bridge, land), safety deposit boxes, wire transfers, cashier's checks, money orders, gift cards, credit and debit cards, night deposit, and a coin counter. Investment services are delivered through a referral partnership with Cetera Investment Services LLC rather than via an in-house brokerage.

The revenue model blends net interest income from consumer, commercial, and real estate lending with transaction-based service charges (NSF $28, stop payment $22, account research $20/hr, non-customer ATM $3.50, check cashing $7) and licensing/royalty revenue from the Cetera investment referral relationship. Distribution is sales-led and relationship-driven, with local decision-making authority cited as a primary differentiator against larger regional and national competitors. Marketing relies on community engagement, a monthly e-newsletter, blog content, and Lunch & Learn events rather than paid advertising. Carter Leak IV (a licensed CPA with prior experience at KPMG and CB&I/Shaw Group) has served as President and CEO since 2016, succeeding his father Carter Leak III, who founded the bank and remains Chairman Emeritus.

Name

Bank of St. Francisville

Legal name

Bank of St. Francisville

Website

https://bsf.net

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank of St. Francisville is a 1978-chartered Louisiana community bank serving individuals, families, and small-to-mid-size businesses across five Louisiana parishes and Wilkinson County, Mississippi, through two branches and full digital and mobile banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Personal banking products
• Commercial lending solutions
• Real estate financing
• Digital banking services

Headquarters

HQ city

Saint Francisville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue stream from lending activities including consumer loans, real estate lending, commercial loans, and business lines of credit. Generates interest income from various loan products including auto, boats/ATV, signature loans, mobile homes, construction loans, HELOCs, and commercial real estate financing.
2. Service Charges and Fees: Fees from NSF/overdraft ($28.00), stop payments ($22.00), account research ($20/hour), wire transfers, and various account maintenance charges. Additional fees for non-customers using ATM ($3.50) and check cashing ($7.00).
3. Investment Services Referral: Revenue from investment products and services offered through Cetera Investment Services LLC. Bank refers customers to Cetera representatives who provide securities and advisory services at bank premises.
4. Treasury Management Services: Business banking services including ACH origination fees, wire transfer fees, remote deposit capture, and QuickBooks statement import functionality.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Bank of St. Francisville is a community bank chartered in 1978 that provides personal and business banking products including checking, savings, certificates of deposit, IRAs, consumer and commercial loans, real estate lending, treasury management, and investment referral services. It operates two physical branches in Louisiana and offers full digital banking via online and mobile platforms.

Product overview

Bank of St. Francisville is a community bank offering a comprehensive suite of traditional banking products organized into four main categories: Personal Banking (checking, savings, CDs, IRAs, consumer loans, real estate lending, investment services), Business Banking (business checking, business CDs, business savings, business loans, commercial lending, treasury management), E-Banking/Digital Services (online banking, mobile banking, mobile deposit, mobile pay options, remote deposit capture, QuickBooks integration), and Ancillary Services (ATM, telebanking, wire transfers, credit/debit cards, safety deposit boxes, night deposit). The bank operates as a relationship-focused community bank with two physical locations in St. Francisville and Baton Rouge, enhanced by full digital banking capabilities. Key digital products include Treasury Management with ACH origination and dual control features, Mobile Banking with check deposit functionality, and integration with mobile payment platforms (Apple Pay, Samsung Pay, Google Pay) and accounting software (QuickBooks).

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking account for individuals and households with no per-check charges, $100 minimum opening deposit, free online banking and direct deposit, and overdraft protection options. Variants include Student Checking (low minimum), Advantage 50 Checking (no monthly fees for customers 50+), and Grand Checking (premier tier for $7,500+ daily balance).
• Personal Savings Account Savings account for individuals with $100 minimum opening deposit, one free withdrawal per month, and market value interest rates on balances of $250 or more. Includes Christmas Club seasonal savings option.
• Certificate of Deposit (CD) Low-risk time deposit product with $1,000 minimum deposit, available in terms from 30 days to five years, paying competitive interest rates for both personal and business customers.
• Individual Retirement Account (IRA) Interest-bearing retirement savings accounts with tax-deferred advantages, offered in multiple configurations for different retirement strategies.
• Real Estate Lending Mortgage and real estate financing for residential and commercial borrowers, including HELOC (up to 100% of home value), construction loans, one-time close loans, conventional home loans, bridge loans, and land/lot loans. Loan officers are NMLS registered (NMLS ID 438247).
• Consumer Loans Personal loans for individuals including secured options (auto, boats/ATV, signature, mobile homes, CD/savings secured) and unsecured loans for various expenses with fixed interest rates.
• Investment Services Personal investment and advisory services offered through Cetera Investment Services LLC representatives who maintain regular hours at bank locations, covering securities, mutual funds, and annuities (offered through Cetera, member FINRA/SIPC).
• Business Checking Business checking accounts with $100 minimum opening deposit. Variants include Basic Business Checking (with 300 monthly items included and $1,000 minimum daily balance), Commercial Checking (per-item debit/credit/deposit pricing with earnings credit offset), and Business High Yield Checking (interest-bearing with $25,000 minimum balance).
• Business CD Business certificate of deposit with $1,000 minimum deposit, providing secure low-risk growth with competitive interest rates across terms from 30 days to five years.
• Business Savings Business savings account with tiered monthly pricing based on minimum daily balance, offering one free withdrawal per month.
• Business Loans & Lines of Credit Commercial lending products for businesses including working capital lines of credit, business equity lines, agricultural loans, equipment financing, leasehold improvements, and government-endorsed guaranteed loans.
• Business Investment Services Business-focused investment planning and strategic financial advice delivered through Cetera Investment Services representatives at bank locations.
• Treasury Management Business online banking platform offering ACH origination, wire initiation, remote deposit capture, bill pay, e-statements, QuickBooks integration, and dual control capabilities for enhanced security.
• Lock Box Business payment processing service that manages incoming payments and receivables, providing reliable fund access, cost reduction, improved customer service, and streamlined payment control.
• ACH Processing Electronic ACH file processing service for NACHA-formatted files with setup fee, monthly ShareFile fee, and per-transaction pricing.
• Online Banking Web-based banking platform providing 24/7 account access, balance checks, automatic notifications, paperless e-statements, and online bill payment via olb.bsf.net.
• Mobile Banking Native smartphone banking application for iOS and Android devices enabling account balance checks, transaction history viewing, and fund transfers.
• Mobile Deposit Check deposit feature within the BSF Mobile Banking App allowing customers to photograph and deposit checks remotely using smartphone cameras.
• Mobile Pay Options Digital wallet integration supporting Apple Pay, Samsung Pay, and Google Pay for contactless payments with BSF debit cards.
• Remote Deposit Capture Electronic check deposit service for business customers using a check scanner and computer to make deposits without visiting the bank.
• QuickBooks Statement Import Service allowing business customers to download account statements in QuickBooks (QBO) file format for direct upload into QuickBooks accounting software, enabling automated reconciliation and bookkeeping.
• Credit Card MasterCard credit cards for consumer and business customers featuring no annual fee, low introductory rates, flexible reward options, and additional benefits.
• Debit Cards MasterCard debit cards accepted anywhere MasterCard is accepted, with ATM access and compatibility with SecurLOCK Equip card control service for location-based controls, spending limits, and international transaction blocking.
• Wire Transfer Domestic and international wire transfer services with $15 outgoing domestic fee, $35 outgoing international fee, and no incoming wire fee.
• Cashier's Check Guaranteed check service with funds guaranteed by the bank, priced at $2.00 per $1,000 with $3.00 minimum and $10.00 maximum.
• Money Order Specified-amount cash instrument priced at $2.00 per order with maximum amount of $300.00.
• Gift Cards Visa Gift Cards loadable with $10–$750, usable anywhere Visa debit cards are accepted in the United States.
• ATM Services Automated teller machine network at bank branches and partner locations (St. Francisville IGA, Audubon Market, The Bluffs Clubhouse, and Highland Road branch), with fee-free usage for customers at BSF-owned and partner ATMs. Some ATMs accept deposits.
• Telebanking 24-hour telephone banking service allowing account access, balance verification, transaction history, fund transfers, and loan balance inquiries via (225) 635-EASY.
• Safety Deposit Box Secure storage for valuables in various sizes (3x5 to 10x10) at annual rates from $30 to $150, available at the main branch.

Quantifiable outcome

• 40% growth in loan business under current leadership

Named customers3 records

Segments5 records

Ideal customer profiles5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

One partnership is on record.

• Cetera Investment Services LLCcoreTechnology or IntegrationCetera provides securities and advisory services through representatives Pamela and Joseph Malara who maintain regular hours at Bank of St. Francisville locations. This partnership enables the bank to offer investment products, mutual funds, and annuities to customers without operating a full brokerage. Securities and advisory services offered through Cetera, member FINRA/SIPC.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hancock Whitney Corporation: Regional bank with deep Louisiana and Mississippi presence including Baton Rouge. Represents the dominant incumbent competitor in BSF's core geographic footprint, offering similar products at larger scale.
• Cadence Bank (formerly BancorpSouth): Large regional bank with significant presence across Louisiana, Mississippi, and the broader Gulf South. Comparable retail and commercial banking products serving overlapping customer segments, but at substantially larger scale.

Direct peers

• Investar Bank: Louisiana-headquartered community bank also serving the Baton Rouge MSA with similar personal/business banking, mortgage, and treasury management products. Most directly comparable peer given overlapping geography and business mix.
• Home Bank: Lafayette-based Louisiana community bank offering consumer deposits, business banking, and mortgage lending across multiple parishes. Comparable community-bank operating model serving Louisiana small businesses and consumers.
• Fidelity Bank (Louisiana): Louisiana community bank offering personal and business banking with comparable digital capabilities. Comparable size range and similar Louisiana small-town relationship-banking positioning.
• Southern Bancorp: Community-development bank of similar scale serving rural/semi-rural markets in Arkansas and Mississippi. Comparable size, family/community heritage, and focus on small-business and consumer lending.
• Business First Bank: Baton Rouge-headquartered community bank emphasizing business banking, treasury management, and commercial lending. Direct regional competitor targeting overlapping SMB and consumer segments in the Baton Rouge MSA.
• MidSouth Bank: Louisiana community bank focused on relationship banking with multiple branches across central and south Louisiana. Closely comparable scale and product suite including consumer/commercial lending and treasury services.
• Resource Bank: Louisiana community bank serving similar small-business and consumer segments with comparable scale and product breadth. Direct community-bank peer with overlapping product/customer profile.

Emerging players

• First National Banker's Bank: Louisiana-based bankers' bank cited as a prior employer of BSF's Baton Rouge Market President. Provides correspondent banking services to community banks—relevant peer in the same talent and operational ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 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 Bank of St. Francisville