The Evangeline Bank & Trust Company

What The Evangeline Bank & Trust Company does

The Evangeline Bank & Trust Company is an independent Louisiana community bank founded in 1907 (chartered 1906 as Bank of Ville Platte) and headquartered in Ville Platte. It provides consumer and small-to-mid-size business banking services across central and southern Louisiana through 9 full-service branches, drive-thru locations, and digital channels spanning six parishes (Evangeline, Acadia, Rapides, St. Landry, Lafayette, Calcasieu). The bank is FDIC-insured, an Equal Housing Lender, and trades under the DBA "The REAL Bank."

Its core product set covers deposit products (Personal, Student, Senior, eChecking, Commercial, Business, NOW, savings, Christmas Club, money market, CDs, IRAs), consumer and commercial lending (auto, mortgage, personal, business loans, lines of credit, Visa Gold and Visa Business credit cards), and ancillary services (safe deposit boxes, night deposit, ScoreCard Rewards, merchant services via BancCard, and loan payment processing via ProfitStars). Technology is built on a standard commercial banking platform with online banking, a mobile app for iOS and Android with mobile deposit, 24-hour iTalk telephone banking, mobile wallet integration (Apple Pay, Samsung Pay, Google Pay), and business electronic banking including Netteller Wire, Remote Deposit Capture, ACH origination, and Positive Pay.

Revenue is generated primarily through net interest income on its loan portfolio (auto, mortgage, consumer, commercial, credit cards) and deposit-related fees (monthly service charges on checking, paper statement fees), supplemented by transaction-based business electronic banking fees (wire, ACH, RDC, Positive Pay) and interchange/interest from Visa debit and credit cards. Distribution is sales-led via the branch network and relationship banking, with free digital self-serve channels supporting acquisition and retention of mass-affluent and small-business customers.

Name

The Evangeline Bank & Trust Company

Legal name

The Evangeline Bank and Trust Company

Website

https://therealbank.com

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

11–50 employees

Short description

The Evangeline Bank & Trust Company is an independent Louisiana community bank, founded 1907 and headquartered in Ville Platte, serving individual consumers and small-to-mid-size businesses across six central and southern Louisiana parishes through 9 branches and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Trusts, Estates, and Agency Accounts (52592)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Corporate & Institutional Trust Services (FSAAANAB)

Keywords

• Community banking services
• Consumer deposit accounts
• Consumer and commercial lending
• Business electronic banking
• Digital and mobile banking

Headquarters

HQ city

Ville Platte

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

Revenue model

1. Interest Income from Lending: The bank generates revenue primarily through interest earned on loans including auto loans, mortgages, personal loans, business loans, lines of credit, and credit cards.
2. Deposit Account Fees and Charges: Monthly service charges on checking accounts based on minimum balance requirements, paper statement fees for customers not enrolled in electronic statements.
3. Business Electronic Banking Services: Fees for wire services, ACH origination, Remote Deposit Capture, Positive Pay, merchant services (through BancCard), and business bill pay.
4. Credit Card Income: Interest income and transaction fees from Visa credit cards (Gold and Business cards) and debit cards.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

The Evangeline Bank and Trust Company is an independent Louisiana community bank providing deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial lending (auto, mortgage, personal, business loans, lines of credit, Visa credit cards), and electronic banking services (online banking, mobile banking with mobile deposit, telephone banking, wire transfers, ACH origination, Remote Deposit Capture, Positive Pay, merchant services) to individual consumers and small-to-mid-size businesses across Louisiana.

Product overview

The Evangeline Bank and Trust Company is an independent community bank offering a comprehensive suite of banking products and services organized into personal banking, business banking, lending, and digital banking channels. Personal checking products include Personal Checking, The REAL eChecking, Student Checking, Senior Checking, and NOW Account, while savings options encompass Personal Savings, Christmas Club, Money Market, Certificates of Deposit, and IRA accounts. Business banking includes Commercial Checking and The REAL Business Checking. Lending products cover auto loans, mortgages, lines of credit, personal loans, business loans, and Visa credit cards (Gold and Business). Digital banking services include Online Banking, Mobile Banking with Mobile Deposit, Electronic Bill Pay, Mobile Wallet (Apple Pay, Samsung Pay, Google Pay), and 24-Hour Telephone Banking. Business electronic services include Netteller Wire, MicroBusiness Mobile Deposit, Remote Deposit Capture, Positive Pay, ACH Origination, Business Bill Pay, and Merchant Services. The bank also offers ScoreCard Rewards for credit card holders and various calculators for financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Basic personal checking account with no monthly service charge when the minimum balance is $800 or more ($2-$8 monthly service charge for lower balances), free Visa debit card, and free online and mobile banking. $100 minimum opening deposit. For individual consumers in Louisiana.
• The REAL eChecking Personal checking account with no monthly paper statement charge when enrolled in eStatements; a $6 monthly charge applies otherwise. $100 minimum opening deposit. Targeted at individual consumers who prefer paperless statements.
• Personal Student Checking Personal checking account for people under age 26 enrolled full-time in high school, college, or vocational-technical school, with no minimum balance service charge. For student consumers.
• Personal Senior Checking Personal checking account for people age 62 and older with no minimum balance service charge. Includes a free Visa debit card and $100 minimum opening deposit. For senior consumers.
• Commercial Checking Non-personal (business) checking account with a $200 minimum opening deposit and a free Visa debit card subject to approval. For local small and mid-size businesses needing a standard commercial transaction account.
• The REAL Business Checking Non-personal (business) checking account with no monthly paper statement charge when enrolled in eStatements ($6 otherwise), no per-debit item charge up to 250 items, and no service charge for ACH/debit card transactions processed electronically. $100 minimum opening deposit. For small and mid-size businesses.
• NOW Account Interest-bearing checking account available to individuals, sole proprietors, nonprofit organizations, and public units, with a $1,000 minimum opening deposit. For consumers and eligible organizations.
• Personal Savings Interest-bearing personal savings account with interest computed daily and credited quarterly; $100 minimum opening deposit ($50 for minor accounts). For individual savers.
• Christmas Club Accounts Savings account designed for holiday expenses with automatic transfers from checking or savings, $5 minimum opening deposit, and $1,000 maximum monthly deposit. For consumers planning seasonal savings.
• Money Market Deposit Accounts Interest-earning money-market savings account with $2,500 minimum opening deposit and limited to six withdrawals/transfers per month. For individuals, businesses, and non-profits seeking higher-yield deposit options.
• Certificates of Deposit Time deposit accounts with $500 minimum opening deposit, terms up to 5 years, and guaranteed returns with early withdrawal penalties. For savers seeking locked-in interest rates.
• IRA Deposit Accounts Individual Retirement Accounts available in Traditional and Roth variants with $250 minimum opening deposit and potential tax benefits. For retirement savers.
• Auto Loans Financing for purchase or refinance of new and used vehicles with competitive rates. For individual consumers purchasing or refinancing vehicles.
• Mortgages Home loans for first-time home buyers and existing homeowners, including mortgage applications and refinancing. For homebuyers and refinancing consumers.
• Lines of Credit Revolving credit facilities for renovations, debt consolidation, and larger projects. For consumers needing flexible access to credit.
• Personal Loans Unsecured personal loans with flexible terms. For consumers with personal financing needs.
• Business Loans Various loan products with flexible terms for business startups and growing companies. For local small and mid-size businesses needing working capital.
• VISA Gold Credit Card Personal credit card offering flexibility and daily spending power with access to ScoreCard Rewards for earning points on purchases. For individual consumer cardholders.
• VISA Business Card Business credit card for commercial spending with rewards and expense-management capabilities. For business owners managing commercial expenses.
• Online Banking Web-based banking platform accessible via computer for account access, balance checking, fund transfers between Evangeline Bank accounts, and eStatements enrollment. For consumers and businesses.
• Mobile Banking Smartphone and tablet app for iOS and Android providing account access, fund transfers, and loan payments on the go. Free of charge. For consumer and small-business customers.
• Mobile Deposit Check deposit feature within the mobile banking app allowing users to snap photos of the front and back of a check to deposit remotely. For consumer and small-business customers.
• Electronic Bill Pay Online bill payment service for scheduling one-time, recurring, or future payments from accounts. For consumer customers.
• Visa Debit Cards Visa debit cards issued at no charge at account opening or first issuance, providing purchasing power and ATM cash access, with surcharge-free access via the Community Cash ATM Network. For consumer and business account holders.
• Electronic Wire Transfers Domestic and international wire transfer services for quickly moving funds across the country or continent. For consumer and business customers.
• Safe Deposit Boxes Secure storage service for valuables and important documents at bank branches. For personal and small-business customers.
• Night Deposit Services After-hours deposit service for securing daily business revenues. For small and mid-size business customers.
• 24-Hour iTalk Telephone Banking Automated phone banking service available 24/7 at 337-363-5548 or 800-427-5548 for checking balances, transferring funds, loan information, and card management. For consumer and business customers.
• Mobile Wallet Digital wallet integration supporting Apple Pay, Samsung Pay, and Google Pay for secure contactless payments using Visa debit and credit cards. For consumer cardholders.
• Netteller Wire Online wire service allowing business customers to enter domestic wires remotely with dual control enforcement. For business customers.
• Remote Deposit Capture Business service allowing clients to remotely deposit checks by scanning and sending digital images via a secure internet connection. For business customers with high check volumes.
• Positive Pay Fraud prevention service matching check numbers and amounts against issued files to reduce check fraud and increase control. For business customers writing significant check volume.
• ACH Origination Electronic payment service allowing businesses to create ACH payments for payroll direct deposits, vendor payments, and consumer payment collections. For business customers.
• Business Bill Pay Online bill payment service for business accounts to make one-time, scheduled, and recurring payments as checks or electronic transfers. For business customers.
• Merchant Services Credit card and debit card payment processing services through the BancCard partnership for in-office, mobile, and online transactions (VISA, MasterCard, Discover, American Express). For small and mid-size business customers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

Two partnerships are on record, tiered minor and core.

• BancCardminorChannel Partner/ Reseller/ DistributorPartner for merchant services, providing businesses tools to accept credit card and debit card payments including VISA, MasterCard, Discover, and American Express.
• Visa International Services AssociationcoreTechnology or IntegrationIssuing bank for Visa debit and credit cards. Partnership enables issuance of Visa Gold Credit Card, Visa Business Card, and debit cards for customers.

Scale indicators4 records

Recent moves17 records

Expansion highlights5 records

Direct peers

• Home Bank (Home Bancorp): Louisiana-based community bank offering commercial and consumer banking products with comparable geographic footprint in central and southern Louisiana. Strong direct peer on product mix and customer segment.
• Red River Bank: Louisiana community bank headquartered in Alexandria with a similar central Louisiana footprint to Evangeline Bank's Alexandria/Pineville cluster. Direct peer in geography and product offerings.
• First Guaranty Bank: Louisiana-headquartered community bank with similar consumer/commercial banking focus and multi-parish Louisiana presence. Comparable in scale and customer mix.
• Origin Bank (Origin Bancorp): Louisiana-based community bank with branches across the state including Lafayette. Closely comparable to Evangeline Bank on commercial banking focus and Louisiana geographic footprint.
• Investar Holding Corporation (Investar Bank): Louisiana-headquartered community bank with branches across the state, offering consumer and commercial banking services. Directly comparable in geography, product mix, and target customer base to The Evangeline Bank.
• BOM Bank (BancorpSouth Merger / Business First Bancshares): Louisiana community bank serving consumer and small business customers with a similar branch-based model and core product suite. Direct peer in market and product positioning.

Broad incumbents

• MidSouth Bank (BancorpSouth / Cadence Bank): Southeast regional bank with Louisiana branches offering community-style service combined with larger-bank capabilities. Comparable product suite but materially larger scale than Evangeline Bank.
• JPMorgan Chase Bank (Louisiana Branches): National incumbent with growing Louisiana presence including Chase's digital banking. Competes for the same consumer and small-business customers that Evangeline Bank serves, with vastly superior scale and digital capabilities.
• Hancock Whitney Corporation: Large regional bank with deep Louisiana presence and full commercial/consumer product set. Overlaps with Evangeline Bank's footprint but operates at significantly greater scale with broader geographic diversification.
• First Horizon Bank (formerly IberiaBank): Major Southeast regional bank with deep Louisiana presence in Lafayette and surrounding parishes where Evangeline Bank is expanding. Competes for the same commercial and consumer banking customers at a larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pages/category/Commercial-Bank/The-Evangeline-Bank-and-Trust-Company-538965632969339
• LinkedInlinkedin.com/company/evangeline-bank-&-trust-co/about
• Instagraminstagram.com/evangelinebankandtrust

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 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 The Evangeline Bank & Trust Company