Caldwell Bank & Trust Company
Headquarters
6471 Highway 165
Columbia, LA 71418
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2026 Overview
General Bank Information
Caldwell Bank & Trust Company is an FDIC insured institution located in Columbia, LA. It was founded in 1902 and has approximately $0.3 billion in assets. Customers can open an account at one of its 3 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 11785 |
| Date Established | 1902 |
| Assets | $ 298.57 million |
| Loans | $ 214.73 million |
| Deposits | $ 259.50 million |
| Capital | $ 28.91 million |
For a more detailed analysis of Caldwell Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 6, 2026
Your Current Location: Maryland, MD
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Loan Rates - October 6, 2026
Your Current Location: Maryland, MD
There are currently no loan rates available for Caldwell Bank & Trust Company
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Branches
Caldwell Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Rockville,Maryland
Caldwell Bank & Trust Company Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 907.80 | A | View Lobby Hours | |
| 925.96 | B | View Lobby Hours | |
| 930.64 | C | View Lobby Hours |
Climate Policy and Initiatives
Caldwell Bank & Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Caldwell Bank & Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Caldwell Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Caldwell Bank & Trust Company | U.S. Bank Average |
|---|---|
| 27.09% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Caldwell Bank & Trust Company had $7,780,000 in non-current loans and $744,000 in owned real estate. To cover these potential losses it had $28,913,000 in equity and $2,556,000 in loans loss reserves. That gives it a Texas Ratio of 27.09%.
Return on Equity
| Caldwell Bank & Trust Company | U.S. Bank Average |
|---|---|
| 9.96% | 10.69% |
Caldwell Bank & Trust Company has a Return on Equity of 9.96% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Caldwell Bank & Trust Company | U.S. Bank Average |
|---|---|
| 9.68% | 11.75% |
Caldwell Bank & Trust Company has a Capitalization of 9.68% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Caldwell Bank & Trust Company Balance Sheet Analysis
As of March 31, 2026, Caldwell Bank & Trust Company had assets of $298,566,000, loans of $214,725,000, and deposits of $259,504,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 36.14 million |
| Interest-bearing balances | $ 29.86 million |
| Total securities | $ 13.64 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 214.73 million |
| Loan loss allowance | $ 2.56 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.74 million |
| Goodwill and other intangibles | $ 0.51 million |
| All other assets | $ 12.06 million |
| Total Assets | $ 264.38 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 259.50 million |
| Interest-bearing deposits | $ 219.14 million |
| Deposits held in domestic offices | $ 259.50 million |
| % insured (estimated) | 67.69% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.96 million |
| Total Liabilities | $ 264.38 million |
| Shareholders’ Equity | $ 34.19 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 4.51 million |
| Total Interest Expense | $ 1.65 million |
| Net interest income | $ 2.87 million |
| Provision for loan and lease losses | $ 0.11 million |
| Total non interest income | $ 0.86 million |
| Total non interest expense | $ 2.60 million |
| Pre-tax Net Operating Income | $ 1.53 million |
Bank Loan Profile?
The top three loan types in Caldwell Bank & Trust Company’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial Real Estate.
Compared to other banks in Louisiana, Caldwell Bank & Trust Company has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 20.07 | ✓ | ||
| Multifamily Mortgages |
0.00 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.50 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 2.12 | ✓ | ||
| Commercial Real Estate | 16.97 | ✓ | ||
| Commercial and Industrial Loans | 3.29 | ✓ | ||
| Farm Loans | 19.32 | ✓ | ||
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