Compared with Louisiana
4 of 14
compared fees are above the median.
4 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
84th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 14 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Caldwell Bank & Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Caldwell Bank & Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.4% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (84th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $173K in Q2 2026, 4.8% above the same quarter a year earlier ($165K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
4 of 14 compared published fees sit above the Louisiana median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
Deposited Item Return
Monthly Maintenance
ACCOUNT & OVERDRAFT SERVICES $5 to $10
Compared at $7.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.5% from Q3 2025 to Q2 2026, to $173K. Its share of revenue, 4.4%, is above the 2.1% median for banks with under $300M in assets.
$173K
Caldwell Bank & Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Caldwell Bank & Trust Company · $299M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Caldwell Bank & Trust Company(this institution) | Columbia, LA | $299M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 22nd State Banking Company | Mobile, AL | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Crockett | Bells, TN | $299M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Franklin | Meadville, MS | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Castle Rock Bank | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Guaranty Bank | Richmond, KY | $304M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Collins State Bank | Collins, WI | $301M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank and Trust Company | Muscatine, IA | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| DLP Bank | Starke, FL | $301M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association | Newark, OH | $294M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank Of Commerce | Walnut Ridge, AR | $297M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Secure State Bank | Wonder Lake, IL | $306M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grant County Bank | Ulysses, KS | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Leighton State Bank | Pella, IA | $298M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| McClain Bank | Purcell, OK | $294M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| RNB STATE BANK | Rawlins, WY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security First Bank of North Dakota | New Salem, ND | $293M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SJN Bank of Kansas | Saint John, KS | $303M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Johns Bank and Trust Company | Saint Louis, MO | $297M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Bank | Waterloo, IL | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Savings Bank | West Des Moines, IA | $292M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Forest | Forest, MS | $296M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Farmers Bank of Milton | Milton, KY | $305M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Springdale, AR | $296M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Savings Bank | Lowell, MA | $302M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $7.75 among 14 publishing peers.
Its two checking prices are $5 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Caldwell Bank & Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $173K | −$3K | −1.7% |
| Q1 2026 | $176K | −$19K | −9.7% |
| Q4 2025 | $195K | +$10K | +5.4% |
| Q3 2025 | $185K | +$20K | +12.1% |
| Q2 2025 | $165K | −$9K | −5.2% |
| Q1 2025 | $174K | −$5K | −2.8% |
| Q4 2024 | $179K | −$4K | −2.2% |
| Q3 2024 | $183K | −$19K | −9.4% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Caldwell Bank & Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Caldwell Bank & Trust Company by share.
Amounts from Caldwell Bank & Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per quarter
per hour · Research (Per Hour-One Hour Minimum) | $25.00
per transaction
per item
per item
per item
per item
per item
per item
per transaction
per item
per transaction
per item
per item
per item
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (Within 90 Days of Opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Charges-Checking Accounts-Per Month (After 12 Months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Charges-Savings Accounts-Per Quarter (After 12 Months) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Research (Per Hour-One Hour Minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research (Per Hour-One Hour Minimum) | $25.00 |
Overdraft & NSF | |||
| Overdraft fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee/Overdraft Fee (Per Item) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Electronic Banking-Foreign ATM Transactions (Per Withdrawal-ATM Owner Charges Also Apply) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Check Services | |||
| Cashiers Check (Per Item) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (Per Item) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Per Item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item-Per Item for Customer (May Include Additional Charges) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Item-Per Item for Non-Customer (May Include Additional Charges) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment (Online) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Over $100 | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Cash Advance Over $100 (Per Transaction) | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per transaction | None |
| Cash Advance Under $100 | $5Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Cash Advance Under $100 (Per Transaction) | $5Inside the U.S. middle 50% ($2 to $10 nationally) | per transaction | None |
| Chargeback Fee-Per Item (Personal and Commercial) | $1Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository Key Replacement (Per Key) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box Drilling (Plus Additional Costs) | $100Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Lost Key (Per Key) | $10Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box Rental 10 X 10 (Per Year) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental 2 X 4 (Per Year) | $8Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental 3 X 10 (Per Year) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental 3 X 5 (Per Year) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental 5 X 10 (Per Year) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental 5 X 5 (Per Year) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Caldwell Bank & Trust Company operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $257.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $257.6M |
Largest competitors nearby
Local market: Caldwell, West Carroll and Franklin parishes, LA, where it holds the most deposits.
| 10 in its local market | Deposit share |
|---|---|
| Winnsboro State Bank & Trust Company | 18.1% |
| Homeland Federal Savings Bank | 17.4% |
| Franklin State Bank & Trust Company | 14% |
| Citizens Progressive Bank | 10.1% |
| Regions Bank | 5.2% |
This bank holds 17.9% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.