Caldwell Bank & Trust

Name

Caldwell Bank & Trust

Legal name

Caldwell Bank & Trust Company

Website

https://caldwellbankandtrust.com

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Columbia

HQ country

United States

HQ region

North America

Offices6 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

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans (auto, residential mortgage, business, construction, home equity, vacation, recreation vehicle) and deposits. Competitive fixed rates on CDs and IRAs.
2. Account Fees and Service Charges: Monthly service charges based on account type and minimum balance requirements. Various checking accounts (Priority, Regular, Caldwell Prime, Simply Green, Simply Student, Money Market) with different fee structures. Overdraft fees ($30 per item), savings account fees ($10/quarter when balance below minimum).
3. Overdraft and NSF Fees: Fees charged when accounts are overdrawn or items returned due to insufficient funds. $30 per item for handling overdrafts paid under discretionary privilege.
4. Wire Transfer Fees: Fees for incoming and outgoing wire transfers. International wires with corresponding Swift code processing.
5. Additional Banking Services: Revenue from safe deposit box rentals, merchant services processing, check ordering, and other ancillary banking services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Caldwell Bank & Trust is a Louisiana community bank established in 1902 that delivers personal and commercial banking products including multiple checking and savings account types, certificates of deposit, IRAs, lending solutions (auto, mortgage, home equity, business, construction), debit cards, overdraft services, safe deposit boxes, merchant payment processing, and CDARS-based FDIC deposit coverage. Banking access is provided through 6 branch locations, online banking, a native iOS/Android mobile app, telephone banking, and ATM networks.

Product overview

Caldwell Bank & Trust is a community bank established in 1902 offering a comprehensive suite of personal and commercial banking products. For personal banking, the core offerings include multiple checking account types (Priority Checking, Regular Personal Checking, Caldwell Prime Personal, Simply Green, Simply Student, Money Market), savings accounts (Personal Savings, Student Savings, Christmas Club), retirement products (Traditional & Roth IRAs), and Certificates of Deposit. The bank provides lending solutions for autos, mortgages, businesses, construction, home equity, vacations, and recreational vehicles. Commercial services mirror personal offerings with business checking, savings, CDs, and money market accounts, plus specialized services like Merchant Services through First Data, CDARS for deposit insurance, and Commercial Online Banking. Digital banking is delivered through the Apiture platform with Online & Mobile Banking apps for iPhone and Android. Additional services include overdraft protection, safe deposit boxes, wire transfers, E-statements, and extensive educational resources covering credit scores, identity theft, online safety, and fraud prevention.

Differentiator

Problem solved

Functional benefit

Products and services

• Priority Checking Personal checking account with no minimum daily balance requirement, $10.00 monthly service charge, includes Visa debit card and overdraft services for individual consumers.
• Regular Personal Checking Personal checking account with $100 minimum opening and $800 minimum daily balance to avoid $6-$8 monthly service charge for individual consumers.
• Caldwell Prime Personal Checking Interest-bearing personal checking account with $100 minimum opening, $2,500 minimum daily balance to avoid $5 monthly service charge, and competitive APY for individual consumers.
• Simply Green Checking Personal checking account with $50 minimum opening and no monthly service charge for individual consumers.
• Simply Student Checking Student checking account with $10 minimum opening and no monthly service charge designed for students.
• Money Market Account Interest-bearing money market account with $2,500 minimum opening and $5,000 minimum daily balance to avoid $4 monthly service charge for individual consumers.
• Personal Savings Savings account with $100 minimum opening, $100 minimum daily balance to avoid $10 quarterly service charge, interest-bearing with $100 daily balance required for APY for individual consumers.
• Student Savings Savings account for students with $20 minimum opening and no monthly service charge.
• Christmas Club Holiday savings club account allowing up to 49 deposits of $5, $10, or $20; matures the first week of November with a bank bonus on the 50th deposit.
• Traditional & Roth IRAs Individual Retirement Accounts offering tax-deferred (Traditional) or tax-free (Roth) growth, FDIC insured for retirement savers.
• Certificates of Deposit (CDs) Fixed-rate time deposits with terms from 1 month to 5 years, FDIC insured with daily interest compounding and locked rates for the term length.
• Personal Lending Solutions Comprehensive consumer lending products including auto loans, residential mortgages, home equity loans, vacation loans, recreation vehicle loans, and Visa credit cards for individual consumers.
• Debit Card Visa-branded debit card accepted at retail stores, restaurants, gas stations, online, and ATMs worldwide wherever Visa, Intercept, Pulse, or Plus is accepted.
• Overdraft Services Overdraft protection and courtesy coverage up to $500 for eligible accounts in good standing, plus automatic fund transfers from linked savings in $50 increments.
• Safe Deposit Box Secure physical storage for important documents and valuables available at bank branches (not FDIC insured).
• CDARS (Personal) Certificate of Deposit Account Registry Service providing multi-million-dollar FDIC insurance protection for large personal deposits through the CDARS network of banks.
• Wire Transfer Services Domestic and international wire transfer services processed through First National Bankers Bank with ABA routing (065403370) and SWIFT code (FRNAUS44) support.
• Online & Mobile Banking Digital banking platform powered by Apiture enabling account access, balance checking, transfers, bill pay, and mobile deposit on iPhone and Android devices for individuals.
• Commercial Checking Business checking account with $100 minimum opening and $2,000 minimum daily balance to avoid $10 monthly service charge for established businesses.
• Sole Proprietor Checking Business checking account designed for sole proprietors with $100 minimum opening and $800 minimum daily balance to avoid $8 monthly service charge.
• Caldwell Prime Commercial Checking Interest-bearing commercial checking account with $100 minimum opening and $2,500 minimum daily balance to avoid $10 monthly service charge for established businesses.
• Commercial Money Market Interest-bearing business money market account with $2,500 minimum opening and $5,000 minimum daily balance to avoid $4 monthly service charge.
• Commercial Savings Business savings account with $100 minimum opening and $100 minimum daily balance to avoid $10 monthly service charge.
• Commercial CDs Business certificates of deposit with terms from 1 month to 5 years, FDIC insured with daily interest compounding for businesses.
• Merchant Services Electronic payment processing through First Data Corporation partnership enabling debit and credit card acceptance, Clover POS solutions, loyalty programs, and e-commerce tools for small and mid-sized businesses.
• Commercial CDARS Business CDARS service providing FDIC insurance coverage for large commercial deposits through the CDARS Network, supporting businesses, nonprofits, public funds managers, and credit unions.
• Commercial Online Banking Business digital banking platform for account management and transactions for commercial customers.

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• First Data CorporationcoreTechnology or IntegrationStrategic partnership with First Data Corporation for merchant services and electronic commerce solutions. Provides small business solutions including Clover POS systems, loyalty programs, business analytics, and online selling capabilities. Enables debit and credit card processing for business customers.
• IntraFi Network (CDARS)coreTechnology or IntegrationCDARS (Certificate of Deposit Account Registry Service) network membership. Enables placement of large deposits into CDs at multiple banks, providing multi-million dollar FDIC insurance protection while maintaining one rate, one statement simplicity.
• First National Bankers BankcoreTechnology or IntegrationWire transfer processing through First National Bankers Bank, Baton Rouge, LA (ABA Routing: 065403370). Handles both domestic and international wire transfers (Swift Code: FRNAUS44) for customer accounts.
• ApiturecoreTechnology or IntegrationDigital banking platform provider for online and mobile banking services. Provides the technology infrastructure for internet banking, mobile app, account management, and secure messaging capabilities.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Red River Bank: Louisiana community bank headquartered in Alexandria - geographically adjacent to Caldwell Parish. Offers comparable personal and commercial banking, lending, and treasury services to a similar small/rural market footprint.
• Investar Bank: Louisiana-based community bank (Baton Rouge) with similar full-service personal/commercial product set and comparable multi-branch distribution model serving Louisiana communities.
• Home Bank (Home Bancorp): Lafayette-headquartered Louisiana community bank with parallel personal/commercial checking, lending, and treasury services - direct overlap on product mix and customer segments.
• Sabine State Bank and Trust: Louisiana community bank with rural branch footprint and traditional personal/commercial banking plus lending products - very similar operating profile to CBT.
• First Guaranty Bancshares: Louisiana-based community bank holding company operating multiple community banks across the state, providing direct comparability on branch banking, lending, and deposit products in similar rural/small-town markets.
• Business First Bank (b1BANK): Baton Rouge-based community bank with full personal and commercial product suite including treasury management and merchant services - directly comparable to CBT on both retail and SMB banking.
• JD Bank: Louisiana community bank headquartered in Jennings, offering personal/commercial checking, lending, and treasury products to small-town and rural Louisiana markets - closely comparable operating profile.
• Progressive Bank: Louisiana-based community bank with multi-branch Louisiana presence and parallel personal/commercial deposit and lending products - direct comparability on geographic and product overlap.

Broad incumbents

• Hancock Whitney Corporation: Regional bank holding company with deep Louisiana presence and broader commercial banking, treasury, and wealth capabilities - sets the competitive ceiling CBT competes against in the same geography.
• Regions Bank: Large regional bank with material Louisiana branch network and full-service commercial/consumer banking - represents scaled incumbent competition for both retail deposits and SMB lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/caldwellbankandtrust
• LinkedInlinkedin.com/company/caldwell-holding-company

Revenue estimate

Valuation estimate

Number of profiles

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 Caldwell Bank & Trust