South Louisiana Bank

Name

South Louisiana Bank

Legal name

South Louisiana Bank

Website

https://ayeee.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Retail banking services
• Community banking
• Consumer lending
• Mortgage lending
• Commercial banking

Headquarters

HQ city

Houma

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Primary revenue source from interest charged on mortgage loans, home equity lines of credit, commercial loans, consumer loans, auto loans, and credit cards.
2. Deposit Account Fees: Monthly service charges on checking and savings accounts, with fee structures based on minimum balance requirements and account type.
3. Online Bill Payment Fees: First 2 months free for personal checking accounts; thereafter $4.95 per month for up to 20 bills, $0.40 per additional bill.
4. Commercial Banking Services: Service charges on commercial checking accounts, per-check fees, and credit allowances based on average balance.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

South Louisiana Bank is an independent community bank providing personal and business banking products and services. Offerings include personal checking and savings accounts, consumer loans, mortgage and home equity lending, business checking and savings, commercial lending (commercial real estate, equipment, term loans, lines of credit), and digital banking via online and mobile platforms with digital wallet support.

Product overview

South Louisiana Bank is a traditional community bank offering a comprehensive suite of personal and business banking products. The core banking platform includes multiple Personal Checking account variants (Lagniappe Checking, Ayeee! Checking, Regular Checking, Senior Citizen Checking, Club 60 Checking, NOW Checking), Personal Savings products (Traditional Savings, Youth Savings, Certificates of Deposit, Health Savings, Individual Retirement Accounts, Insured Money Market, Club Savings), Consumer Loans (Personal Lines of Credit, HELOC, Auto Loans, Lot Loans, Personal Loans, Boat & RV Loans, Visa Credit Cards), and Home Loans (Purchase, Construction, Refinancing, HELOC). Business banking encompasses Business Checking (Commercial, Small Business, NOW Checking-Business, Non-Profit, Sweep Accounts), Business Savings, and Business Lending (Commercial Real Estate, Asset-Based Lines of Credit, Equipment Loans, Term Loans, Lines of Credit). The bank also provides digital banking services including Online Banking (with Quicken/QuickBooks integration), Mobile Banking, and Digital Wallet support (Apple Pay, Samsung Pay, Google Pay, Garmin Pay). Add-on services include Visa Debit Cards, Visa Credit Cards, Safe Deposit Boxes, and Visa Gift Cards.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Multiple personal checking account options for individual consumers, including Lagniappe Checking, Ayeee! Checking, Regular Checking, Senior Citizen Checking, Club 60 Checking, and NOW Checking–Personal, each with unique features, fee structures, and balance-based fee waivers. Minimum opening deposit of $100 on Regular Checking; Ayeee! Checking carries a $3.00 monthly service charge waivable with E-statements or $2,000+ average daily balance.
• Personal Savings Accounts Personal savings products including Traditional Savings, Youth Savings, Certificates of Deposit, Health Savings Accounts, Individual Retirement Accounts, Insured Money Market, and Club Savings accounts, designed for goal-based and long-term saving by individual consumers.
• Consumer Loans Personal lending products including Personal Lines of Credit, Home Equity Lines of Credit (HELOC) with lines from $10,000 to $1,000,000 and up to $1,000 toward closing costs for qualifying borrowers, Auto Loans, Lot Loans, Visa Credit Cards, Personal Loans, and Boat & RV Loans.
• Home Loans Residential mortgage lending services including Home Purchase Loans, Construction Loans, Refinancing options, and Home Equity Lines of Credit, with personalized solutions tailored to individual financial goals for homeowners and prospective homeowners.
• Business Checking Accounts Business checking products for small businesses, commercial enterprises, and non-profits, including Commercial Checking ($12.00 monthly service charge, $0.20 per check/debit, $0.01 credit per $100 average balance, $100 minimum opening), Small Business Checking, NOW Checking-Business, Non-Profit Organizational Checking, and Sweep Accounts.
• Business Savings Accounts Business savings options including Business Savings Account, Business Certificate of Deposit, and Commercial Money Market accounts for business cash management and reserve building.
• Business Lending Commercial lending solutions for businesses including Commercial Real Estate Loans, Asset Based Lines of Credit, Equipment Loans, Business Term Loans, and Business Lines of Credit, originated through dedicated commercial lenders and regional market presidents.
• Online Banking Web-based online banking platform providing 24/7 account access, online bill payment (first 2 months free, then $4.95/month for up to 20 bills, $0.40 per additional bill), e-statements, account transfers, and integration with Quicken and QuickBooks financial software. Online enrollment available.
• Mobile Banking Smartphone banking application available on iOS (App Store) and Android (Google Play) with mobile deposit, account management, and 24/7 banking access on the go.
• Digital Wallet Services Mobile payment integration supporting Apple Pay, Samsung Pay, Google Pay, and Garmin Pay for contactless in-store, in-app, and online transactions using South Louisiana Bank debit cards.
• Visa Debit Cards Personal and business Visa Debit Card services for electronic transactions and ATM withdrawals, with digital wallet compatibility.
• Visa Credit Cards South Louisiana Bank VISA Credit Card designed for sensible account management with simple, reliable, safe, and easy-to-use features for purchases wherever VISA is accepted.
• Safe Deposit Box Secure storage service for valuable documents and items at South Louisiana Bank branch locations.
• Visa Gift Cards Prepaid Visa gift cards available for purchase at South Louisiana Bank branches for personal or gifting use.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature1 record

Partnerships

Three partnerships are on record, tiered minor.

• Riviere Insurance AgencyminorOthersInsurance partner providing insurance products and services to South Louisiana Bank customers through a linked referral relationship.
• SLFS InsuranceminorOthersInsurance partner offering insurance products and services to bank customers through the SLFS LLC entity.
• Complete Network ManagementminorImplementation/ SI/ Consulting PartnerTechnology partner that developed the SLB Emergency Contact Portal, providing emergency communication infrastructure for the bank.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• JD Bank: Louisiana community bank headquartered in Jennings with South Louisiana branch presence — comparable in size, independent ownership, and full-service community banking focus to South Louisiana Bank.
• Red River Bancshares (Red River Bank): Louisiana state-chartered community bank headquartered in Alexandria with central and north Louisiana presence — similar community bank model with comparable product mix (deposits, consumer loans, commercial lending, mortgage).
• b1BANK (formerly Business First Bancshares): Louisiana-headquartered community bank with Baton Rouge presence, emphasizing commercial banking and SMB lending — directly comparable to SLB's Baton Rouge commercial lending franchise.
• Home Bancorp, Inc. (Home Bank): Lafayette, Louisiana-headquartered state-chartered community bank offering comparable personal/business banking, mortgage, and commercial lending across South Louisiana — directly overlapping SLB's Lafayette and Baton Rouge footprints.
• First Guaranty Bancshares: Multi-state community bank holding company with significant Louisiana operations, offering commercial and consumer banking products analogous to SLB's portfolio with a comparable relationship-banking model.
• MidSouth Bancorp (MidSouth Bank): Louisiana-based community banking franchise providing comparable personal and business banking, mortgage origination, and commercial lending to small and mid-sized businesses in overlapping Louisiana markets.
• Investar Holding Corporation (Investar Bank): Louisiana state-chartered community bank with branches throughout South Louisiana and the Baton Rouge metro, offering similar deposit, consumer lending, and commercial banking products to SLB.

Broad incumbents

• Hancock Whitney Corporation: Large regional bank with deep South Louisiana and Gulf Coast presence — broader portfolio of consumer, commercial, and wealth services competing against SLB across all four geographic markets, but at materially larger scale.
• Iberiabank (now First Horizon): Major Southeastern regional bank with significant Louisiana branch density — competing with SLB across retail, commercial, and mortgage categories in Baton Rouge, Lafayette, and broader Louisiana.
• JPMorgan Chase (Louisiana retail): National megabank with Baton Rouge and Lafayette branches and dominant digital banking — competes for the same consumer and SMB deposit/loan relationships as SLB but at vastly greater scale and technology investment.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/south-louisiana-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 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 South Louisiana Bank