At a glance
From its website, read 2 Nov 2026BOM Bank is a bank or thrift based in Natchitoches, Louisiana. Its website describes auto loans, credit-builder loans, home mortgages and 3 other loan types. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.bofm.com |
|---|---|
| Office (official list) | 860 Washington Street, Natchitoches, LA 71457 |
What their website says about applying
All loan applications must be presented in person.
sourceContact a lender today to get started!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- No or thin credit history considered
is specifically designed to help you establish or improve your credit score
source - Collateral required
Secured by Savings Account
source - Income limit applies
and the borrowers must be under the income limits
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jan 2026 |
| RSSD ID | 684455 |
| Address | 860 Washington Street, Natchitoches, LA 71457 Directions (Google Maps) |
| Website | www.bofm.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan applications must be presented in person according to the loans page, and no service area is stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Our auto loans make it easy to purchase a new or used vehicle or refinance an existing one. | source |
| Credit-builder loans | — | is specifically designed to help you establish or improve your credit score. | source |
| Home mortgages | — | BOM Bank has a wide range of mortgage products available with competitive rates to meet your needs. | source |
| Personal / consumer loans | — | Use a personal loan for just about anything—unexpected expenses, home projects, or special occasions. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration (SBA) Loans | source |
| Small-business loans | — | BOM Bank is here to support your commercial and small business lending needs. | source |
Loan sizes
Minimum of $500, Maximum of $1,500
source
Service area
Not stated on the pages we read.
Borrower focus
- Veterans
100 % financing for eligible veterans, reservists, active-duty personnel or eligible family members
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.4 million in 12 awards from the U.S. Treasury's CDFI Fund, 2015–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $195,776 |
| 2024 | Small Dollar Loan Program | $114,967 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as BOM Bank (FDIC cert 1373). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.6 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 26 in 2 states (as of 30 Oct 2026) |
Offices by state and county (26)
Louisiana (17 offices)
- Bienville Parish (2): 9072 Louisiana 4, Castor 71016; 2369 Mill St, Ringgold 71068
- Bossier Parish (2): 4898 Palmetto Rd, Benton 71006; 2111 Highway 80, Haughton 71037
- Caddo Parish (2): 4321 Youree Dr, Shreveport 71105; 8610 Fern Ave, Shreveport 71105
- Grant Parish (1): 1000 Caddo St, Montgomery 71454
- Natchitoches Parish (4): 814 Washington St, Natchitoches 71457 (main office); 14258 Highway 1, Derry 71416; 4157 University Pkwy, Natchitoches 71457; 952 Keyser Ave, Natchitoches 71457
- Rapides Parish (5): 1423 Wimbledon Blvd, Alexandria 71301; 3412 Mac Lee Dr, Alexandria 71302; 5924 Coliseum Boulevard, Alexandria 71303; 53 Pinecrest Dr, Pineville 71360; 9380 Highway 165 S, Woodworth 71485
- Sabine Parish (1): 603 Highway 171 Byp, Many 71449
Texas (9 offices)
- Angelina County (3): 304 N Us Highway 69, Huntington 75949; 1601 Sout Chestnut Street, Lufkin 75901; 3001 S John Redditt Dr, Lufkin 75904
- Montgomery County (1): 1700 N Loop 336 W, Conroe 77304
- Sabine County (1): 101 Worth St, Hemphill 75948
- Shelby County (3): 163 Casscaid St, Center 75935; 13218 Us Highway 84 E, Joaquin 75954; 830 N 1st St, Timpson 75975
- Tyler County (1): 113 Cade St, Chester 75936
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by BOM Bank (RSSD 684455, FDIC cert 1373). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.21 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 16.6% from $1.04 billion on 30 Jun 2025 |
| Total assets | $1.61 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $291.5 million | 24.1% |
| Home equity lines of credit | $13.7 million | 1.1% |
| Commercial real estate, construction and multifamily | $626.7 million | 51.8% |
| Commercial and industrial (business) loans | $160 million | 13.2% |
| Farmland and farm production loans | $96 million | 7.9% |
| Consumer loans (credit cards, auto, other) | $14.6 million | 1.2% |
| All other loans and leases | $6.2 million | 0.5% |
Within consumer loans: auto loans $1.1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 105 loans $5.1 million | 561 loans $9.3 million |
| $100,001 to $250,000 | 144 loans $19.1 million | 91 loans $8.2 million |
| $250,001 to $1 million | 235 loans $103.4 million | 59 loans $20 million |
| All small business loans | 484 loans $127.6 million | 711 loans $37.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 134 loans $5.2 million | 14 loans $478,000 |
| $100,001 to $250,000 | 68 loans $7.6 million | 4 loans $506,000 |
| $250,001 to $500,000 | 32 loans $8.9 million | 4 loans $498,000 |
| All small farm loans | 234 loans $21.8 million | 22 loans $1.5 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025BOM Bank reported 188 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $53.5M (median loan about $205,000). 106 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 106 | 56% |
| Refinance (incl. cash-out) | 70 | 37% |
| Home improvement | 8 | 4.3% |
| Other purpose | 4 | 2.1% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 188 | 100% |
Included above: 13 loans on manufactured homes; 13 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 26 counties with at least one; 84% of its 2025 loans were for properties in Louisiana:
- Natchitoches Parish, LA (51)
- Rapides Parish, LA (26)
- Bossier Parish, LA (18)
- Grant Parish, LA (18)
- Caddo Parish, LA (16)
- Sabine Parish, LA (16)
- Angelina County, TX (8)
- De Soto Parish, LA (5)
Filed under LEI 549300LDX1HCIL448282 as “BOM Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $420,000 (13 loans) | All 7(a) lenders in Louisiana: $250,000. Larger than the median loan of 86% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2.75 pts, half between 2.5 pts and 2.75 pts (13 loans; 8% at the SBA maximum) | All lenders in Louisiana: median 2.75 pts, 16% at the maximum (1,233 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 13 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 16 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $1.61 billion | Larger than 99% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 75% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.04 billion → $1.21 billion (+17%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +3%. Rank by loans held among these 73: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 188 | More than 65% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 86% |
| Rate over prime | all variable-rate 7(a) loans in Louisiana, FY2024–26 | 1,233 | median 2.75 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 16 → 2 of 19 |
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 99% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 1 → 1 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 65% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 13 SBA-backed approvals for BOM Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 13 7(a) loans as the lender: $13M in total (gross amount approved), median $420,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 4 · FY2026 9.
What actually happened
- Size of its 7(a) loans: half were between $301,000 and $2.1M, median $420,000 (13 loans)
- Term of its 7(a) loans: median 120 months (10 years) (13 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.50%, half between 9.50% and 10.00% (13 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (13 loans)
- Young businesses: 31% of its 7(a) loans went to a startup or a business two years old or less (13 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (13, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Professional, scientific, and technical services (4)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: FDIC cert 1373, found through the RSSD ID on the CDFI Fund list (SBA lists “BOM Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. BOM Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Natchitoches and Louisiana
- Engage Federal Credit UnionCredit union · Natchitoches, LAAgriculture / farm loans, Auto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loans…Verified
- Exchange Bancshares, Inc.Bank holding company · Natchitoches, LAOfficial list only
- Exchange Bank and Trust Co.Bank or thrift · Natchitoches, LAOfficial list only
- Grant Bancshares, Inc.Bank holding company · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
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