Metairie Bank

What Metairie Bank does

Metairie Bank (legal entity: Metairie Bank & Trust Company) is a privately held community bank founded in 1947 and headquartered at 3344 Metairie Road in Metairie, Louisiana. Operating under the positioning "The Bank of Personal Service," it serves retail consumers, small-to-medium businesses, and mortgage borrowers across the Greater New Orleans area through eight branches spanning South Shore (Metairie, Jefferson) and Northshore (Covington, Mandeville) Louisiana, with one branch slated for closure in early 2026. Leadership comprises CEO John P. LeBlanc and President Michael A. Gennaro, with Ron Samford referenced as the prior President & CEO.

The bank operates a standard community banking technology stack delivered largely through third-party vendors: a FIS-hosted online banking portal, a mobile banking app (redesigned April 2025), FIS-powered SecurLOCK Equip for card management and SecurLOCK Communicate for fraud alerting, Zelle for P2P payments, and Commercial Capture Xpress for remote deposit. Functional capabilities span deposit accounts, savings and CDs, debit and credit cards (including a cash-secured credit-building product), residential and commercial mortgages, HELOCs, reverse mortgages, affordable housing / 100% financing programs, personal and auto loans, business checking, commercial real estate and construction lending, merchant services, ACH, and treasury/overdraft products, with referral-based MB Investments and MB Insurance Agency.

Revenue is generated primarily through net interest income on personal and commercial lending (mortgages, HELOCs, auto, personal, recreational, commercial real estate, construction, business term loans, lines of credit), supplemented by deposit service fees (checking, ATM, wires, overdraft), card and merchant services revenue, safe deposit box rentals ($25–$150/year), and referral-based investment and insurance income. Distribution is direct-to-consumer via branches, online and mobile banking, phone support, and ATM access, with community events, local media, and a small-business spotlight program serving as the primary marketing and customer acquisition channels.

Name

Metairie Bank

Legal name

Metairie Bank & Trust Company

Website

https://metairiebank.com

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

101–250 employees

Short description

Metairie Bank is a privately held community bank founded in 1947, serving retail, small business, and mortgage customers across the Greater New Orleans area through eight branches and online/mobile channels under the positioning "The Bank of Personal Service."

Ownership category

akta.pro rank

Headquarters

HQ city

Metairie

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest earned on personal and commercial loans including mortgages, personal loans, auto loans, home equity lines, commercial real estate loans, and business term loans.
2. Deposit Service Fees: Fees from checking account services, ATM withdrawals, wire transfers, overdraft protection, and other deposit-related services.
3. Card Services Revenue: Income from credit card processing, merchant services for business customers, and card-related fees.
4. Investment & Insurance Services: Revenue from investment product referrals and insurance agency services through MB Insurance Agency, including product recommendations and quotes.
5. Safe Deposit Box Rentals: Annual rental fees for safe deposit boxes ranging from $25 to $150 per year depending on box size.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Metairie Bank is a community bank that delivers deposit accounts, consumer and commercial loans, mortgages, debit and credit cards, merchant services, and digital banking to households and small businesses across the Greater New Orleans area. Its core offerings are organized into Personal Banking, Business Banking, and Invest & Insure divisions, supported by local lending decisions, online and mobile channels, and FIS-powered card security and remote deposit tools.

Product overview

Metairie Bank is a community bank offering a unified suite of banking products and services organized into three main divisions: Personal Banking, Business Banking, and Invest & Insure. The core digital banking experience is anchored by Online Banking and a Mobile Banking App, which provide 24/7 account access, Mobile Xpress Deposit, Online Bill Payment, and Zelle peer-to-peer payments. Personal Banking includes multiple checking account tiers (Simply Free, Direct Interest, 50+ Interest, Elite Interest, and Free Teen Checking), savings products (Statement Savings, Metairie Gold Plus, Gold Money Market, Smart Savings, CDs, Minor Savings, Christmas Club), card services (Mastercard Debit, MB Platinum Credit, MB Cash Secured Credit), and loan products (Home Mortgages including Construction, Home Equity LOC, Reverse Mortgages, Affordable Housing Program, 100% Home Loan Program, Personal Loans, Recreational Loans, Auto Loans). Business Banking encompasses checking accounts (Simply Free Business, Commercial, Business Interest), savings, Commercial Capture Xpress remote deposit, Merchant Services, ACH Services, and commercial lending (Term Loans, Commercial Real Estate, Construction Loans, Lines of Credit, Letters of Credit, Business Credit Cards). The Invest & Insure division provides investment services through MB Investments and insurance through MB Insurance Agency. Security features include SecurLOCK Equip and SecurLOCK Communicate card management apps powered by FIS. Additional services include Safe Deposit Boxes, E-Statements, and Financial Calculators. The bank is FDIC insured (Routing Number: 065404560) and operates across multiple Louisiana locations.

Differentiator

Problem solved

Functional benefit

Brands

• MB Investments: Investment services and retirement planning offered through Metairie Bank
• MB Insurance Agency

Products and services

• Online Banking FIS-hosted digital banking portal providing 24/7 account viewing, transactions, bill payment, e-statements, funds transfers, and enrollment for personal and business customers.
• Mobile Banking App Native iOS and Android application providing balance checking, mobile check deposit, bill payment, funds transfers, alerts, and card controls for personal and business customers.
• Simply Free Checking Fee-free personal checking account with no minimum balance and no monthly maintenance charge for individual consumers.
• Direct Interest Checking Interest-bearing personal checking account offering competitive interest on deposit balances for individual consumers.
• 50+ Interest Checking Interest-bearing checking account designed for customers age 50 and older with no minimum balance fees.
• Elite Interest Checking Premium interest-bearing checking account offering higher interest rates for customers maintaining substantial balances.
• Free Teen Checking Fee-free checking account for teenage customers, supporting financial literacy and independent banking.
• Statement Savings Basic FDIC-insured savings account with monthly statements and competitive interest rates.
• Metairie Gold Plus Savings Enhanced savings account with tiered interest rates paying higher yields for larger balances.
• Gold Money Market Money market deposit account with competitive interest rates and limited check-writing privileges.
• Smart Savings Rewards Savings program with incentive rewards for meeting savings goals and maintaining regular deposits.
• Certificates of Deposit Fixed-term deposit products with guaranteed returns, available in terms from 3 months to 5 years.
• Mastercard Debit Card Mastercard-branded debit card for point-of-sale purchases, ATM withdrawals, and online transactions from checking accounts, with SecurLOCK Equip card management.
• MB Platinum Mastercard Credit Card Bank-issued Mastercard credit card with platinum-level benefits, rewards, and fraud protection features.
• MB Cash Secured Credit Card Secured credit card that helps consumers build or rebuild credit through responsible card use backed by a cash security deposit.
• SecurLOCK Equip FIS-powered mobile app providing debit and credit card on/off controls, transaction spend limits, geographic and merchant restrictions, and real-time alerts.
• SecurLOCK Communicate FIS-powered fraud detection service for debit cards delivering real-time SMS text, voice, and email fraud alerts with two-way customer response.
• Home Mortgage Lending
• Home Construction Loans
• Home Equity Line of Credit
• Reverse Mortgages
• Affordable Housing Program
• 100% Home Loan Program
• Personal Loans
• Recreational Loans
• Auto Loans
• Safe Deposit Boxes Secure vault storage rental in sizes from 2x5 to 10x10, with annual fees from $25 to $150 for valuable documents and items.
• Simply Free Business Checking Fee-free business checking account with no monthly maintenance fees designed for small businesses.
• Commercial Checking Commercial checking account for businesses with higher transaction volumes and cash management needs.
• Business Interest Checking Interest-bearing business checking account that allows business owners to earn interest on operating balances.
• Business Money Market Business money market deposit account with competitive interest rates and limited withdrawal flexibility.
• Commercial Capture Xpress Remote deposit capture solution enabling business customers to scan and deposit checks electronically from their office.
• Merchant Services Payment processing services for business merchants accepting credit and debit card transactions at point-of-sale.
• ACH Services Automated Clearing House electronic payment services for businesses to send and receive batch payments including direct deposit and vendor payments.
• Business Term Loans
• Commercial Real Estate Loans
• Commercial Construction Loans
• Business Lines of Credit
• Letters of Credit
• MB Platinum Business Credit Card Business credit card with platinum-level features, spending controls, and rewards designed for business expenses.
• MB Investments Investment services and brokerage referral program offering retirement planning, financial planning, professional asset management, estate planning, and college savings plans.
• MB Insurance Agency Insurance products and services offered through the bank's subsidiary agency, with quotes requested online across multiple coverage types.

Quantifiable outcome

• 79% net satisfaction score for community banks as preferred small business lenders vs 67% for large banks and 49% for online lenders
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Louisiana Bankers AssociationcoreStrategic or Co-development PartnerMetairie Bank participates in Louisiana Bankers Association programs including the '365 to Rich' Bank Day contest which connects students with banking career opportunities and financial literacy education.
• Independent Community Bankers of America (ICBA)coreStrategic or Co-development PartnerMetairie Bank partners with ICBA for financial education content, cybersecurity awareness campaigns, and advocacy for community banking interests. Co-branded educational materials on credit, savings, and fraud prevention.
• March of DimesminorOthersMetairie Bank collects donations for March of Dimes at community shred days and supports the annual March for Babies walk.
• American Cancer SocietycoreOthersMetairie Bank has been a proud supporter since 2010, actively participating in Men Wear Pink campaign and Making Strides Against Breast Cancer walks. CFO Michael Gennaro participates annually.
• St. Tammany Parish Hospital Parenting CenterminorOthersPresenting sponsor of the Monster Mash community festival fundraiser for 33+ years, supporting parenting programs and child development services.
• African American Male Wellness Walk Initiative (AAMWWI)minorOthersPresenting sponsor of the annual wellness walk and health screening event in partnership with New Orleans East Hospital, addressing health disparities in African American male community.
• Louisiana SPCAminorOthersLong-term supporter for 15+ years, hosting annual pet adoption events at Main Office and sponsoring Wet Nose Wednesdays on Magic 101.9 radio.
• Each One Save OneminorOthersSponsors and volunteers with nonprofit dedicated to empowering at-risk youth through trained volunteer mentors. CEO Ron Samford serves as opening speaker at anniversary events.
• BluePrint Investment FundminorStrategic or Co-development PartnerPartnered to bring affordable housing to low-income families through grant sponsorship as part of MLK Day of Service initiative.
• InsureMyBox.comminorOthersPartnership for safe deposit box insurance coverage - first and only coverage of its kind covering contents against natural disasters, fire, flood, robbery, and other catastrophes. No disclosures or appraisals required.
• Iron MountainminorOthersDocument shredding services provider for annual community shred days, securely shredding financial and personal documents for customers.
• Lucky Dogs, Inc.minorOthersShared founding year (1947) with community ties. Lucky Dogs provides complimentary hot dogs at bank anniversary events and community celebrations.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Cadence Bank: Southeast-focused regional bank with meaningful Louisiana deposit market share and commercial banking capability. Competes for the same SMB and middle-market customers as Metairie Bank across the Gulf Coast.
• Hancock Whitney Corporation: Regional bank holding company headquartered in Gulfport, Mississippi with extensive Gulf Coast branch coverage including the New Orleans metro. Larger and broader portfolio, but directly competes for the same deposit and SMB relationships.
• First Horizon Corporation: Memphis-based regional bank holding company that acquired IberiaBank, giving it substantial Louisiana retail and commercial presence. Larger scale but overlapping customer base in the Greater New Orleans market.

Direct peers

• Business First Bancshares (b1BANK): Baton Rouge-based community bank with a multi-parish Louisiana branch network and similar mix of business and consumer lending. Closely comparable in scale, product suite, and community bank value proposition.
• Fidelity Bank (Louisiana): Privately held community bank serving the Greater Baton Rouge and surrounding Louisiana markets with consumer, business, and mortgage banking. Similar in scale, ownership structure, and community banking philosophy.
• Pinnacle Financial Partners: Nashville-based community bank that scaled through relationship-driven commercial banking in the Southeast. Highly comparable business model and operating philosophy, though at materially larger scale.
• MidSouth Bancorp: Louisiana-based community bank holding company providing personal and business banking across central and southern Louisiana. Comparable in scale and community-banking orientation.
• Home Bancorp, Inc. (Home Bank): Lafayette, Louisiana-headquartered community bank holding company operating branches across South Louisiana. Highly comparable in business model, regional footprint, and SMB/community lending focus to Metairie Bank.
• Investar Holding Corporation: Louisiana-chartered community bank holding company headquartered in Baton Rouge with branches spanning the Louisiana Gulf Coast. Comparable in size, geography, and reliance on relationship-based commercial banking.
• Gulf Coast Bank and Trust Company: New Orleans-based community bank providing commercial, consumer, and mortgage banking across Southeast Louisiana. Direct geographic overlap with Metairie Bank's primary market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/metairiebank
• YouTubeyoutube.com/metairiebank
• Facebookfacebook.com/metairiebank
• LinkedInlinkedin.com/company/metairie-bank
• Instagraminstagram.com/metairiebank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Metairie Bank