Caldwell Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Caldwell Bank & Trust Company is an FDIC-insured commercial bank headquartered in Columbia, LA, established in 1902 (FDIC certificate 11785), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $298.6M, up 0.7% from Q2 2025, the 60th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11785
- Headquarters
- Columbia, LA
- Established
- 1902
- Total assets, Q2 2026
- $298.6M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 10.03%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111101652
- Latest call report
- Q2 2026, FFIEC 051 · Caldwell Bank & Trust Company call report
- Holding company
- CALDWELL HOLDING COMPANY
- Asset rank in state
- 60th of 102 in Louisiana
Caldwell Bank & Trust Company spends more to run itself than most banks of its size. Based in Columbia, Louisiana, it had $299 million in assets at June 30, 2026. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 2.91% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings fell sharply: quarterly net income of $407,000 was 63% below a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.39% of loans from 2.14% a year earlier. Credit is the area to watch: it carries problem assets equal to 19.7% of the capital and reserves that would absorb them, 7.4 times the median of 2.7% for banks its size.
As of June 30, 2026, Caldwell Bank & Trust Company reported a return on assets of 0.55%, a nonperforming-loan ratio of 2.86% and a Texas ratio of 19.69%. The figures come from its call report filed with the FFIEC.
Caldwell Bank & Trust Company ranks as the 60th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.8% to $298.6M, loans rose 5.1% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 22.2% of total loans, ahead of agricultural production loans at 21.1%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in LA; its Columbia 3 offices book 86% of its branch deposits. On its Q2 2026 call report, Caldwell Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6471 Highway 165, Columbia, LA 71418
- County
- Caldwell
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $257.6M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $294.4M
- Average total loans
- $217.3M
- Average interest-bearing deposits
- $222.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11785
- Fed RSSD
- 925354
- SEC CIK
- 1466295 → filed by CALDWELL HOLDING COMPANY
- Website
- caldwellbankandtrust.com →
- Parent Holding Company
- CALDWELL HOLDING COMPANY (RSSD 1108985)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Caldwell Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Caldwell Bank & Trust Company's total assets ranged from $242.2M (Q1 2024) to $298.6M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$298.6M total assets against $296.5M; $269.1M total liabilities against $269.6M.
$225.7M net loans and leases against $234.0M; $257.6M total deposits against $257.9M.
$13.5M securities against $12.4M; $27.7M cash and balances due against $24.5M.
$4.8M total interest income against $4.9M; $1.9M total interest expense against $1.9M.
$2.9M net interest income against $3.0M.
$1.1M total noninterest income against $906K; $3.4M total noninterest expense against $2.8M.
$75K provision for credit losses against $75K.
$407K net income against $1.1M.
0.55% return on assets against 1.52%; 4.28% net interest margin against 4.64%.
10.03% tier 1 leverage ratio against 9.41%.
Inside the full Caldwell Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCaldwell Bank & Trust Company rankings
Its closest position to the top of a national ranking is 175 of 3,640, for Texas Ratio; its furthest is 3,425 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.35% (Q4 2024) to 1.52% (Q2 2025) and its net interest margin ran from 4.28% (Q2 2026) to 4.79% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.03% | 0.55% | 2.86% | 19.69% | 4.28% |
| Q1 2026 | 10.03% | 1.41% | 3.58% | 22.92% | 4.34% |
| Q4 2025 | 9.80% | 0.80% | 3.28% | 16.73% | 4.56% |
| Q3 2025 | 9.63% | 1.16% | 2.22% | 16.84% | 4.71% |
| Q2 2025 | 9.41% | 1.52% | 2.17% | 20.68% | 4.64% |
| Q1 2025 | 9.38% | 1.26% | 2.45% | 16.70% | 4.79% |
| Q4 2024 | 8.40% | -0.35% | 3.78% | 24.37% | 4.43% |
| Q3 2024 | 9.11% | 0.99% | 3.39% | 12.22% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Caldwell Bank & Trust Company (main office) | Columbia , LA | 71418 | $217.6M |
| Oak Grove Banking Center Branch | Oak Grove , LA | 71263 | $20.1M |
| Franklin Parish Office | Winnsboro , LA | 71295 | $15.4M |
| Columbia Heights Branch | Columbia , LA | 71418 | $2.7M |
| Olla Branch | Olla , LA | 71465 | $1.1M |
| Caldwell Downtown Branch | Columbia , LA | 71418 | $629K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 70 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.5M approved, $2.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Caldwell Bank & Trust Company
What are Caldwell Bank & Trust Company's total assets?
As of the Q2 2026 filing, Caldwell Bank & Trust Company reported total assets of $298.6 million in its FFIEC call report.
Where is Caldwell Bank & Trust Company headquartered?
It is headquartered in Columbia, LA, United States.
When was Caldwell Bank & Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Caldwell Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11785). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Caldwell Bank & Trust Company?
Caldwell Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Caldwell Bank & Trust Company operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Caldwell Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 19.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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