Total Assets
$285M
Total balance-sheet footings
FDIC Cert #11785 · Columbia, Louisiana · Est. 1902
Caldwell Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Caldwell Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $285M
- Total assets
- C
- Health grade · Fair
- 1.18%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Caldwell Bank & Trust Company earns a PlainBankData health grade of C (52/100), with 9.80% Tier 1 capital, profitable at 1.18% ROA, 73% efficiency ratio.
- #2,573
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 9.80%
- Tier 1 ratio - below the 10% well-capitalized line
- 56th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Caldwell Bank & Trust Company's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Caldwell Bank & Trust Company's composite health score
Tier 1 Capital Ratio (9.80%) 18/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (21.87%) 10/20
Efficiency Ratio (72.88%) 4/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$252M
Customer-funded liabilities
Net Loans
$201M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Caldwell Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Caldwell Bank & Trust Company's score of 52/100 falls in the highlighted band.
Caldwell Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Caldwell Bank & Trust Company's $285M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.80% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.80%
Texas Ratio
21.87%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
12.74%
Efficiency Ratio
72.88%
What the numbers say about Caldwell Bank & Trust Company
Caldwell Bank & Trust Company is an FDIC-insured institution (Certificate #11785) headquartered in Columbia, Louisiana, established in 1902. It holds $285M in total assets - 2,573rd of 4,313 FDIC-insured banks, $252M in customer deposits, and $201M in net loans. Its capital position: a Tier 1 ratio of 9.80%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 21.87% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Caldwell Bank & Trust Company sits 63rd of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$19M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Caldwell Bank & Trust Company reports a Texas Ratio of 21.87% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
21.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Caldwell Bank & Trust Company (FDIC Cert #11785) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Caldwell Bank & Trust Company's health grade?▼
Caldwell Bank & Trust Company receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Caldwell Bank & Trust Company?▼
Caldwell Bank & Trust Company holds $285M in total assets and $252M in deposits, ranking 2,573rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbia, Louisiana.
Is my money safe at Caldwell Bank & Trust Company?▼
Yes, deposits at Caldwell Bank & Trust Company (Certificate #11785) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Caldwell Bank & Trust Company's Tier 1 Capital Ratio?▼
Caldwell Bank & Trust Company has a Tier 1 Capital Ratio of 9.80%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Caldwell Bank & Trust Company?▼
Caldwell Bank & Trust Company has a Texas Ratio of 21.87%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Caldwell Bank & Trust Company?▼
Caldwell Bank & Trust Company has an Efficiency Ratio of 72.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Caldwell Bank & Trust Company's profile as a depositor or analyst.
- Caldwell Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Caldwell Bank & Trust Company against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.