Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Apr 2014 |
| RSSD ID | 925354 |
| Address | P O Box 1749, Columbia, LA 71418 Directions to the main office (Google Maps) |
| Website | www.caldwellbankandtrust.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
Not yet verifiedWe read 3 pages of this lender's website on 29 Oct 2026 but could not confirm any loan product, loan size or service area there, so we list nothing rather than guess. That doesn't mean it lacks them. Check www.caldwellbankandtrust.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
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$4.3 million in 14 awards from the U.S. Treasury's CDFI Fund, 1998–2024 (Bank Enterprise Award Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 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 | $73,920 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $194,657 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2011 | Bank Enterprise Award Program | $58,105 |
| 2001 | Bank Enterprise Award Program | $128,596 |
| 1999 | Bank Enterprise Award Program | $81,253 |
| 1998 | Bank Enterprise Award Program | $100,570 |
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 Caldwell Bank & Trust Company (FDIC cert 11785). 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 | $298.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Louisiana (6 offices)
- Caldwell Parish (3): 6471 Highway 165, Columbia 71418 (main office); 202 Main St, Columbia 71418; 8157 Highway 165, Columbia 71418
- Franklin Parish (1): 3591 Front St, Winnsboro 71295
- La Salle Parish (1): 3271 Main Street, Olla 71465
- West Carroll Parish (1): 140 Industrial Blvd, Oak Grove 71263
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 Caldwell Bank & Trust Company (RSSD 925354, FDIC cert 11785). 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 | $228.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 3.5% from $236.7 million on 30 Jun 2025 |
| Total assets | $298.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $45.7 million | 20.0% |
| Commercial real estate, construction and multifamily | $63.1 million | 27.6% |
| Commercial and industrial (business) loans | $10.5 million | 4.6% |
| Farmland and farm production loans | $98.7 million | 43.3% |
| Consumer loans (credit cards, auto, other) | $10.3 million | 4.5% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $2.6 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 | 34 loans $1.6 million | 124 loans $3 million |
| $100,001 to $250,000 | 20 loans $2.8 million | 7 loans $629,000 |
| $250,001 to $1 million | 31 loans $14.6 million | 10 loans $2.6 million |
| All small business loans | 85 loans $19 million | 141 loans $6.2 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 | 91 loans $3.7 million | 48 loans $1.4 million |
| $100,001 to $250,000 | 42 loans $5.6 million | 28 loans $2.6 million |
| $250,001 to $500,000 | 17 loans $4.6 million | 28 loans $6.1 million |
| All small farm loans | 150 loans $14 million | 104 loans $10.1 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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 1 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 6 → 12. |
| Total assets (Call Report, 30 Jun 2026) | $298.6 million | Larger than 42% of the 72 other certified banks and bank holding companies in Louisiana (median $334.7 million). |
| Loans as a share of assets | 76% | 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 | $236.7 million → $228.3 million (-4%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 33 → 34. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 6 → 12 of 19 |
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 42% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 33 → 34 of 73 |
“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).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 7 SBA-backed approvals for Caldwell Bank and Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 7 7(a) loans as the lender: $5.6M in total (gross amount approved), median $378,000
By fiscal year: FY2020 0 · FY2021 2 · FY2022 0 · FY2023 3 · FY2024 1 · FY2025 1 · FY2026 0.
By program
- 7(a) standard (7, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (4)
How this lender was matched in the SBA files: FDIC cert 11785, found through the RSSD ID on the CDFI Fund list (SBA lists “Caldwell Bank and Trust Company”).
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. Caldwell Bank and Trust Company 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 Columbia and Louisiana
- Caldwell Holding CompanyBank holding company · Columbia, LAOfficial list only
- Citizens Progressive BankBank or thrift · Columbia, LAAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Personal / consumer loansVerified
- Homeland Bancshares, Inc.Bank holding company · Columbia, LAOfficial list only
- Homeland Federal Savings BankBank or thrift · Columbia, LAAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home repair / improvement loans…Verified
Work at Caldwell Bank and Trust Company? Link to this page
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