MC Bank
- Company typePrivate
- Founded1955
- HeadquartersMorgan City, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
MC Bank firmographics
Firmographics- Name
- MC Bank
- Legal name
- M C Bank & Trust Company
- Website
- https://mcbt.com
- Company type
- Private
- Founded year
- 1955
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Where MC Bank is headquartered
LocationHeadquarters
- HQ city
- Morgan City
- HQ country
- United States
- HQ region
- North America
Offices14 records
Markets served
MC Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Personal Banking Services: Checking accounts, savings accounts, money market accounts, certificates of deposit (CD), IRA accounts, Christmas Club accounts, personal loans including home mortgages, home equity loans, auto loans, boat loans, and personal loans
- Business Banking Services: Commercial analysis checking, hometown business checking, commercial money market, commercial real estate loans, equipment loans, business lines of credit, treasury management services, and merchant services
- Digital Banking Services: Online banking, mobile banking, bill pay, eStatements, Zelle transfers, and ATM network access
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Checking - Hometown Value and Hometown Traditions NOW account options |
| Other | Monthly | Personal Savings - Savings, Money Market, CDs, IRA Accounts, Christmas Club |
| Other | Monthly | Business Checking - Commercial Analysis and Hometown Business accounts |
| Unit Pricing | Monthly | Loan Products - Consumer, Real Estate, and Commercial lending |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
MC Bank product offering
Product offeringCore offering
MC Bank is a Louisiana-chartered community bank that accepts deposits (personal and business checking, savings, money market, CDs, IRAs), originates consumer and commercial loans (home mortgages, home equity, auto, boat, personal, commercial real estate, equipment, marine, business lines of credit, USDA, letters of credit), and provides digital and treasury management services (online and mobile banking powered by Fiserv, Zelle, bill pay, remote deposit capture, ACH, wires, lockbox, cash vault, payroll/disbursement cards, fraud detection). The bank serves individual consumers, small businesses, and commercial customers primarily across Southeast Louisiana through 10+ branches with planned expansion to Atlanta, Georgia and Baton Rouge, Louisiana.
Product overview
MC Bank operates as a relationship-driven community bank offering a unified suite of banking products and services. The core portfolio includes personal and business checking and savings accounts, personal and commercial lending products, and Capital Markets services. Digital banking is delivered through Personal Online Banking and Business Online Banking platforms plus a Mobile Banking application (powered by Fiserv). Additional offerings include Treasury Management services for business customers, Merchant Services, Zelle peer-to-peer payments, Personal Finance Manager for financial planning, XPress Phone Banking, and access to the Community Cash ATM Network. The bank serves individuals, families, and businesses across Southeast Louisiana with a focus on local decision-making and community banking relationships.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking
- Personal Savings
- Business Checking
- Business Savings
- Personal Loans
- Commercial Loans
- Capital Markets
- Personal Online Banking
- Business Online Banking
- Mobile Banking
- Treasury Management
- Merchant Services
Quantifiable outcome
- 982% total return to shareholders between 1999 and 2019 under Daryl Byrd's leadership at IBERIABANK
Companies that use MC Bank
Customer profileSegments3 records
Ideal customer profiles3 records
MC Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
MC Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- FiservcoreTechnology provider powering M C Bank's mobile banking application, enabling real-time balances, transaction viewing, transfers, bill pay, mobile check deposits, Zelle payments, and account alerts
- Troutman Pepper Locke LLPminorLegal advisor to DMMS in the merger transaction and equity offering
- Baker DonelsonminorLegal advisor to MCBANK in the merger transaction
- National Capital, LLCminorProvided fairness opinion to MCBANK in the merger transaction
- Community Cash ATM NetworkminorATM network partnership providing MCBANK customers access to hundreds of surcharge-free ATMs nationwide
- ZellecoreIntegrated peer-to-peer payment service within mobile and online banking platform for fast money transfers between bank accounts
Scale indicators7 records
Recent moves9 records
Expansion highlights6 records
MC Bank competitors and assessment
Company assessmentDirect peers
- Origin Bank: Louisiana-rooted community bank (NASDAQ: OBNK) operating across Louisiana, Texas, Mississippi, and Alabama. Comparable multi-parish Louisiana footprint, commercial real estate lending, and community-banking positioning.
- Home Bank (Louisiana): Louisiana-chartered community bank (NASDAQ: HBCP) headquartered in Lafayette, with branches across Acadiana and the Gulf South. Direct geographic overlap in Lafayette/Youngsville and similar SMB- and consumer-banking focus.
- Investar Bank: Louisiana-based community bank (NASDAQ: ISTR) headquartered in Baton Rouge with Southeast Louisiana/Greater New Orleans presence. Direct overlap in target expansion market (Baton Rouge) and similar product set.
- Hancock Whitney: Public Gulf South regional bank (MS/LA/AL/TX/FL) with full retail, commercial, treasury management, and digital offerings. Most directly comparable Louisiana-focused community/commercial bank with similar SMB and consumer lending mix.
- Red River Bank: Louisiana community bank (NASDAQ: RRBI) headquartered in Alexandria, serving Central and North Louisiana with personal/business banking and treasury management. Comparable in size, product mix, and community-banking model.
- b1BANK: Louisiana-based business bank (formerly Business First Bank) headquartered in Baton Rouge with full-service personal/business banking across the state. Directly comparable in size, geography, and SMB focus.
Broad incumbents
- Synovus Financial: Southeast regional bank (NYSE: SNV) with strong Georgia/Atlanta presence — relevant given MC Bank's planned Atlanta expansion. Comparable commercial and treasury management capabilities at much greater scale.
- First Horizon Bank: Large Southeast regional bank (NYSE: FHN) that acquired IBERIABANK in 2020. Significant Louisiana branch footprint and overlap with MC Bank's target customer base; relevant as the predecessor institution of the management team and as ongoing litigation counterparty.
- Cadence Bank: Mid-size Southeast/Texas commercial bank (NYSE: CADE) with retail, commercial, treasury, and specialty banking. Louisiana branch presence and full-service platform comparable in breadth.
Regional players
- MidSouth Bank (a division of Hancock Whitney): Former independent Louisiana/Texas community bank acquired by Hancock Whitney. Operates in Acadiana and Southwest Louisiana, directly overlapping MC Bank's core Southeast Louisiana markets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
MC Bank social profiles
Digital presenceMC Bank compliance and trust
Trust signalCompliance2 records
MC Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
MC Bank leadership team
Management profileNumber of profiles
Profiles22 records
MC Bank funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MC Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MC Bank
What does MC Bank do?
MC Bank is a Louisiana-chartered community bank that accepts deposits (personal and business checking, savings, money market, CDs, IRAs), originates consumer and commercial loans (home mortgages, home equity, auto, boat, personal, commercial real estate, equipment, marine, business lines of credit, USDA, letters of credit), and provides digital and treasury management services (online and mobile banking powered by Fiserv, Zelle, bill pay, remote deposit capture, ACH, wires, lockbox, cash vault, payroll/disbursement cards, fraud detection). The bank serves individual consumers, small businesses, and commercial customers primarily across Southeast Louisiana through 10+ branches with planned expansion to Atlanta, Georgia and Baton Rouge, Louisiana.
Is MC Bank a public or private company?
MC Bank is a private company. It is classified as venture growth investor backed and is currently operating.
When was MC Bank founded?
MC Bank was founded in 1955. It employs 101 to 250 people.
Where is MC Bank based?
MC Bank is headquartered in Morgan City, United States, in the North America region.
How does MC Bank make money?
Three revenue lines are on record. Personal Banking Services are the primary driver. The others are business Banking Services and digital Banking Services.
Who are MC Bank's main competitors?
Direct peers on record are Origin Bank, Home Bank (Louisiana), Investar Bank, Hancock Whitney, Red River Bank and b1BANK. Broad incumbents are Synovus Financial, First Horizon Bank and Cadence Bank. MidSouth Bank (a division of Hancock Whitney) is listed as a regional player.
Does MC Bank have an API?
No public API is recorded for MC Bank.