Exchange Bank and Trust Company, Natchitoches, Louisiana

Headquarters

700 Front Street
Natchitoches, LA 71457
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.40% 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Exchange Bank and Trust Company, Natchitoches, Louisiana is an FDIC insured institution located in Natchitoches, LA. It was founded in 1892 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 10528
Date Established 1892
Assets $ 157.80 million
Loans $ 63.98 million
Deposits $ 139.62 million
Capital $ 17.83 million
 

For a more detailed analysis of Exchange Bank and Trust Company, Natchitoches, Louisiana's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Exchange Bank and Trust Company, Natchitoches, Louisiana

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875%
0.88 points
$2,268 fees
$1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250%
0.63 points
$2,812 fees
$1,089 Learn More
Morty, Inc.
NMLS ID: 1429243
2.472% 2.375%
0.88 points
$3,215 fees
$972 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.652% 2.625%
0.38 points
$898 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Exchange Bank and Trust Company, Natchitoches, Louisiana
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Branches

Exchange Bank and Trust Company, Natchitoches, Louisiana 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:
Fairfield,Connecticut


Exchange Bank and Trust Company, Natchitoches, Louisiana Locations


Financial Details

Exchange Bank and Trust Company, Natchitoches, Louisiana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Exchange Bank and Trust Company, Natchitoches, Louisiana. 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
Exchange Bank and Trust Company, Natchitoches, Louisiana U.S. Bank Average
9.57% 5.49%

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, 2020, Exchange Bank and Trust Company, Natchitoches, Louisiana had $1,798,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,828,000 in equity and $964,000 in loans loss reserves. That gives it a Texas Ratio of 9.57%.

Return on Equity
Exchange Bank and Trust Company, Natchitoches, Louisiana U.S. Bank Average
14.73% 9.24%

Exchange Bank and Trust Company, Natchitoches, Louisiana has a Return on Equity of 14.73% versus the BestCashCow average of 9.24%. 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
Exchange Bank and Trust Company, Natchitoches, Louisiana U.S. Bank Average
11.3% 11.96%

Exchange Bank and Trust Company, Natchitoches, Louisiana has a Capitalization of 11.3% versus the BestCashCow average of 11.96. 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.

Exchange Bank and Trust Company, Natchitoches, Louisiana Balance Sheet Analysis

As of December 31, 2020, Exchange Bank and Trust Company, Natchitoches, Louisiana had assets of $157,800,000, loans of $63,982,000, and deposits of $139,624,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 5.96 million
Interest-bearing balances $ 3.54 million
Total securities $ 85.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 63.98 million
Loan loss allowance $ 0.96 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.19 million
     Total Assets $ 139.97 million
LIABILITIES
Total deposits $ 139.62 million
      Interest-bearing deposits $ 97.78 million
      Deposits held in domestic offices $ 139.62 million
      % insured (estimated) 60.62%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.35 million
      Total Liabilities $ 139.97 million
      Shareholders’ Equity $ 17.83 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 5.54 million
Total Interest Expense $ 0.25 million
Net interest income $ 5.29 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 0.72 million
Total non interest expense $ 3.11 million
Pre-tax Net Operating Income $ 2.60 million

Bank Loan Profile?

The top three loan types in Exchange Bank and Trust Company, Natchitoches, Louisiana’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Commercial Real Estate.

Compared to other banks in Louisiana, Exchange Bank and Trust Company, Natchitoches, Louisiana has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development 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 55.10
Multifamily
Mortgages
1.16
Credit Card Loans 0.00
Consumer Auto Loans 0.35
Small Business Loans 8.89
Construction and Development Loans 16.17
Commercial Real Estate 13.66
Commercial and Industrial Loans 8.98
Farm Loans 0.00

Frequently Asked Questions About Exchange Bank And Trust Company, Natchitoches, Louisiana

Branches and Savings

Is Exchange Bank And Trust Company, Natchitoches, Louisiana FDIC insured?

Yes. It is covered under FDIC Certificate #10528.

Why does Exchange Bank And Trust Company, Natchitoches, Louisiana pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Exchange Bank And Trust Company, Natchitoches, Louisiana CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Exchange Bank And Trust Company, Natchitoches, Louisiana a commercial bank?

Yes

Where are Exchange Bank And Trust Company, Natchitoches, Louisiana locations?

See branch locations nearby.

Is Exchange Bank And Trust Company, Natchitoches, Louisiana open on Saturdays?

Is Exchange Bank And Trust Company, Natchitoches, Louisiana open on Sundays?

What time does Exchange Bank And Trust Company, Natchitoches, Louisiana open?

What time does Exchange Bank And Trust Company, Natchitoches, Louisiana close?

Are Exchange Bank And Trust Company, Natchitoches, Louisiana ATMs Open 24/7?

Do Exchange Bank And Trust Company, Natchitoches, Louisiana ATMs accept cash deposits?

Can Exchange Bank And Trust Company, Natchitoches, Louisiana customers use other ATMs?

Do Exchange Bank And Trust Company, Natchitoches, Louisiana branches have notaries?

Will Exchange Bank And Trust Company, Natchitoches, Louisiana notarize my document?

What address for Exchange Bank And Trust Company, Natchitoches, Louisiana should I put for incoming ACH transfers?

Will the Exchange Bank And Trust Company, Natchitoches, Louisiana branch print checks?

Do Exchange Bank And Trust Company, Natchitoches, Louisiana checks expire?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana require US citizenship to open account?

Can Exchange Bank And Trust Company, Natchitoches, Louisiana close my account?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana Report to credit bureaus?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana Use Equifax?

What is Exchange Bank And Trust Company, Natchitoches, Louisiana's ACH Routing Number?

What is Exchange Bank And Trust Company, Natchitoches, Louisiana's SWIFT code?

Products

Does Exchange Bank And Trust Company, Natchitoches, Louisiana offer mortgages?

Compare mortgage rates here.

Does Exchange Bank And Trust Company, Natchitoches, Louisiana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Exchange Bank And Trust Company, Natchitoches, Louisiana offer personal loans?

Compare personal loan rates here.

Does Exchange Bank And Trust Company, Natchitoches, Louisiana offer student loans?

Will Exchange Bank And Trust Company, Natchitoches, Louisiana cash a check?

Will Exchange Bank And Trust Company, Natchitoches, Louisiana redeem a savings bond?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana cash savings bonds?

Will Exchange Bank And Trust Company, Natchitoches, Louisiana cash money orders?

Can Exchange Bank And Trust Company, Natchitoches, Louisiana issue a money order?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana do currency exchange?

Background on The Bank

Who owns Exchange Bank And Trust Company, Natchitoches, Louisiana?

How long has Exchange Bank And Trust Company, Natchitoches, Louisiana been around?

Can Exchange Bank And Trust Company, Natchitoches, Louisiana transfer to other banks?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana have quick pay?

Does Exchange Bank And Trust Company, Natchitoches, Louisiana accept rolled coins?

Will Exchange Bank And Trust Company, Natchitoches, Louisiana accept loose change?

Where is Exchange Bank And Trust Company, Natchitoches, Louisiana headquarters?

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