The Evangeline Bank and Trust Company
Also written as EB&T
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Data as of · sourced from FFIEC call reports. How we update
The Evangeline Bank and Trust Company is an FDIC-insured commercial bank headquartered in Ville Platte, LA, established in 1933 (FDIC certificate 12611), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.11B, up 1.4% from Q2 2025, the 18th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.22% 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
- 12611
- Headquarters
- Ville Platte, LA
- Established
- 1933
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- +1.4%
- Tier 1 leverage ratio, Q2 2026
- 14.22%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 065202445
- Latest call report
- Q2 2026, FFIEC 051 · The Evangeline Bank and Trust Company Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- EVANGELINE BANCSHARES, INC.
- Asset rank in state
- 18th of 102 in Louisiana
The Evangeline Bank and Trust Company carries far more capital than most banks of its size. It reported $1.1 billion in assets at June 30, 2026, up 1.4% from a year earlier. It funds 14.22% of its assets with Tier 1 capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). It also keeps 4.45 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.18% of loans, down from 1.44% a year earlier. Its $97 million commercial and industrial book is improving, with 1.54% past due or on nonaccrual, down from 2.28% a year earlier.
As of June 30, 2026, The Evangeline Bank and Trust Company reported a return on assets of 1.51%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 6.60%. The figures come from its call report filed with the FFIEC.
The Evangeline Bank and Trust Company ranks as the 18th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $1.11B, loans rose 2.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.7% of total loans, ahead of owner-occupied commercial real estate loans at 17.2%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities in LA; its Ville Platte 2 offices book 44% of its branch deposits. On its Q2 2026 call report, The Evangeline Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 497 W Main St, Ville Platte, LA 70586
- County
- Evangeline
- 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 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1933
- Former names
- The Evangeline Bank and Trust Company (2007)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 169
- Domestic deposits
- $890.6M
- Allowance for credit losses
- $13.0M
- Net charge-offs (YTD)
- $254K
- Average total assets
- $1.12B
- Average total loans
- $921.7M
- Average interest-bearing deposits
- $680.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12611
- Fed RSSD
- 372538
- Website
- www.therealbank.com →
- Parent Holding Company
- EVANGELINE BANCSHARES, INC. (RSSD 1133165)
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, The Evangeline Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Evangeline Bank and Trust Company's total assets ran between $974.2M (Q3 2023) and $1.12B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.10B; $954.2M total liabilities against $952.4M.
$916.9M net loans and leases against $900.4M; $890.6M total deposits against $878.4M.
$116.2M securities against $107.1M; $39.5M cash and balances due against $54.2M.
$17.6M total interest income against $17.1M; $5.5M total interest expense against $6.0M.
$12.1M net interest income against $11.0M.
$931K total noninterest income against $1.9M; $7.3M total noninterest expense against $6.7M.
$300K provision for credit losses against $900K.
$4.3M net income against $4.2M.
1.51% return on assets against 1.55%; 4.45% net interest margin against 4.17%.
14.22% tier 1 leverage ratio against 13.41%.
Inside the full The Evangeline Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Evangeline Bank and Trust Company rankings
Its closest position to the top of a national ranking is 936 of 4,196, for total assets; its furthest is 737 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q4 2024) to 2.06% (Q1 2026) and its net interest margin ran from 4.01% (Q1 2025) to 4.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.22% | 1.51% | 1.24% | 6.60% | 4.45% |
| Q1 2026 | 13.94% | 2.06% | 1.31% | 7.03% | 4.28% |
| Q4 2025 | 13.42% | 1.74% | 1.23% | 7.19% | 4.27% |
| Q3 2025 | 13.65% | 1.48% | 2.19% | 12.71% | 4.34% |
| Q2 2025 | 13.41% | 1.55% | 1.44% | 8.84% | 4.17% |
| Q1 2025 | 13.17% | 1.41% | 1.66% | 9.95% | 4.01% |
| Q4 2024 | 13.26% | 1.17% | 1.57% | 9.48% | 4.12% |
| Q3 2024 | 13.70% | 1.34% | 1.47% | 8.88% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Evangeline Bank and Trust Company | Ville Platte , LA | 70586 | $395.3M |
| Alexandria Branch | Alexandria , LA | 71303 | $163.0M |
| Crowley Branch | Crowley , LA | 70526 | $76.5M |
| Pineville Branch | Pineville , LA | 71360 | $69.5M |
| The Evangeline Bank and Trust Company Branch | Lafayette , LA | 70501 | $67.9M |
| Opelousas Branch | Opelousas , LA | 70570 | $46.3M |
| Lake Charles Branch | Lake Charles , LA | 70605 | $42.8M |
| Kings Country Branch | Pineville , LA | 71360 | $29.2M |
| Drive-In Branch | Ville Platte , LA | 70586 | $0 |
| Parliament Drive-In Branch | Alexandria , LA | 71303 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 14, 1990 | Structure Change | Acquired Bank of Commerce Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 13, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 11, 1987 | Structure Change | Acquired Louisiana Bank & Trust Company, Crowley, Louisiana Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 10, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in LA, rank 23 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.1M approved, $369K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 The Evangeline Bank and Trust Company
What are The Evangeline Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Evangeline Bank and Trust Company reported total assets of $1.11 billion in its FFIEC call report.
Where is The Evangeline Bank and Trust Company headquartered?
It is headquartered in Ville Platte, LA, United States.
When was The Evangeline Bank and Trust Company founded?
It was established in 1933, per the FDIC institution directory.
Is The Evangeline Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12611). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Evangeline Bank and Trust Company?
The Evangeline Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does The Evangeline Bank and Trust Company operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Evangeline Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 6.60% 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.
What was The Evangeline Bank and Trust Company previously called?
The charter now named The Evangeline Bank and Trust Company has also operated as The Evangeline Bank and Trust Company (2007), per FDIC structure-change records.
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