BlastPoint's Banking Scorecard
Sabine State Bank and Trust Company
Designations: ✓ Community bank
Many, LA
51 branches across LA · TX
Sabine State Bank and Trust Company has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.12% above tier average
- + ROA 0.36% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.1% in tier
- - Margin Compression: Bottom 9.5% in tier
- - Capital Constraint: Bottom 24.3% in tier
- - Deposit Outflow: Bottom 25.4% in tier
- - Cost Spiral: Bottom 77.4% in tier
- - Non-Interest-Bearing Deposit Share 20.65% below tier average
- - Nonperforming Asset Ratio 1.09% above tier average
- - Delinquency Rate 0.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-2.7% YoY
+3.3% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$1.1B
-1.9% YoY
-0.1% QoQ
|
-$869.3M |
$2.0B
+0.6% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.2B
-4.0% YoY
+3.4% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.73%
-30.5% YoY
-28.4% QoQ
|
+0.36% |
1.37%
+19.6% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
4.94%
-2.8% YoY
-4.6% QoQ
|
+1.12% |
3.82%
+6.9% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Top 6.0% in tier |
| Efficiency Ratio ? |
66.29%
+19.5% YoY
+15.0% QoQ
|
+5.23% |
61.06%
-4.6% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
1.66%
+74.6% YoY
+135.1% QoQ
|
+0.77% |
0.89%
+14.1% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.6% in tier |
| Loan-to-Deposit Ratio ? |
90.81%
+2.2% YoY
-3.4% QoQ
|
+6.60% |
84.20%
+0.3% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
0.64%
-4.9% YoY
-35.5% QoQ
|
-20.65% |
21.29%
-2.5% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.9% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+108.0% YoY
+111.9% QoQ
|
+1.09% |
0.67%
+15.6% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.0% in tier |
| Tier 1 Capital Ratio ? |
11.59%
-5.2% YoY
-7.8% QoQ
|
-3.57% |
15.16%
+2.0% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.23%
-1.1% YoY
-77.2% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (5)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.