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Sabine State Bank and Trust Company

$1B-$10B Specialty: Commercial LA FDIC cert 8141

Designations: ✓ Community bank

Many, LA

51 branches across LA · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
  • Deposits +3.7% year over year ($1.2B on the books).
  • Delinquency rate 1.67%.
  • Return on assets 1.74%.
  • Efficiency ratio 64.89% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.74% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

Sabine State Bank and Trust Company has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.96% above tier average
  • + ROA 0.35% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 13.5% in tier
  • - Margin Compression: Bottom 15.3% in tier
  • - Cost Spiral: Bottom 77.4% in tier
  • - Non-Interest-Bearing Deposit Share 20.85% below tier average
  • - Nonperforming Asset Ratio 1.08% above tier average
  • - Delinquency Rate 0.81% above tier average
Get updates when Sabine State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $1.3B
+1.4% YoY -0.6% QoQ
-$1.4B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $1.1B
-0.3% YoY -0.4% QoQ
-$872.1M $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $1.2B
+3.7% YoY +1.9% QoQ
-$1.1B $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.74%
-31.8% YoY +0.8% QoQ
+0.35% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.83%
-6.6% YoY -2.3% QoQ
+0.96% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 7.2% in tier
Efficiency Ratio ? 64.89%
+17.2% YoY -2.1% QoQ
+5.16% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 1.67%
+73.2% YoY +1.0% QoQ
+0.81% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 12.8% in tier
Loan-to-Deposit Ratio ? 88.74%
-3.8% YoY -2.3% QoQ
+3.70% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
46%
Non-Interest-Bearing Deposit Share ? 0.43%
-26.7% YoY -32.8% QoQ
-20.85% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Bottom 0.8% in tier
Nonperforming Asset Ratio ? 1.75%
+81.8% YoY -0.5% QoQ
+1.08% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 7.5% in tier
Tier 1 Capital Ratio ? 10.54%
-22.5% YoY -9.0% QoQ
-4.30% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Bottom 11.1% in tier
Non-Interest Income / Assets ? 0.50%
-0.6% YoY +113.0% QoQ
-0.03% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 0.4%
-0.2pp YoY
-0.2pp QoQ
 -20.9pp 21.4% 24.6% 22.2% 0%
Brokered Deposits 0.5%
-2.9pp YoY
-0.1pp QoQ
 -9.0pp 9.5% 6.7% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 20.4%
-1.4pp YoY
+0.3pp QoQ
 +6.4pp 14.0% 12.6% 12.5% 81%
CRE 52.8%
+2.5pp YoY
-0.6pp QoQ
 +2.8pp 50.0% 44.9% 41.4% 60%
1-4 Family 10.9%
+0.5pp YoY
+0.3pp QoQ
 -15.5pp 26.4% 34.2% 31.3% 19%
Consumer 1.5%
-0.1pp YoY
0.0pp QoQ
 -3.2pp 4.7% 4.2% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 10.5%
-3.1pp YoY
-1.1pp QoQ
 -5.1pp 15.6% 22.5% 19.7% 3%
Leverage Ratio 8.3%
-2.0pp YoY
-1.0pp QoQ
 -3.0pp 11.3% 13.4% 12.6% 3%
Total Capital Ratio 11.4%
-3.1pp YoY
-1.0pp QoQ
 -5.3pp 16.7% 23.6% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 340
-6 (-1.7%) YoY
-8 (-2.3%) QoQ
 +26 313 114 482 71%
Assets per Employee ($) $4.0M
+3.2% YoY
+1.8% QoQ
 -$6.5M $10.5M $6.8M $8.8M 2%
Branch Count 51
0 YoY
0 QoQ
 +31 20 9 18 94%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 65%
Nonaccrual 1.6%
+0.7pp YoY
0.0pp QoQ
 +0.8pp 0.8% 1.4% 1.0% 88%
Allowance Coverage 0.46x
-40.8% YoY
+0.9% QoQ
 -18.25x 18.71x 27.36x 20.23x 6%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 19.2%
-8.2pp YoY
+1.1pp QoQ
 +6.6pp 12.6% 12.5% 11.6% 89%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
+0.1pp QoQ
 -0.6pp 1.9% 1.7% 1.7% 15%
Net Income ($, YTD) $11.7M
-33.1% YoY
— QoQ
 -$7.6M $19.2M $5.1M $40.4M 47%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Capital Thin

risk
#31 of 222 • Bottom 13.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.54%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Margin Compression

decline
#14 of 85 • Bottom 15.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.74%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#25 of 31 • Bottom 77.4% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 64.89%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

65
Net Interest Margin
profitability
Value: 4.83%
Peer Median: 3.87%
#65 of 885 Top 7.2% in $1B-$10B
176
Non-Interest Income / Assets
revenue_mix
Value: 0.50%
Peer Median: 0.53%
#176 of 885 Top 19.8% in $1B-$10B
178
Return on Assets
profitability
Value: 1.74%
Peer Median: 1.39%
#178 of 885 Top 20.0% in $1B-$10B

Top Weaknesses (4 metrics)

879
Non-Interest-Bearing Deposit Share
funding
Value: 0.43%
Peer Median: 21.27%
#879 of 885 Bottom 0.8% in $1B-$10B
820
Nonperforming Asset Ratio
credit_quality
Value: 1.75%
Peer Median: 0.67%
#820 of 885 Bottom 7.5% in $1B-$10B
788
Tier 1 Capital Ratio
capital
Value: 10.54%
Peer Median: 14.84%
#788 of 885 Bottom 11.1% in $1B-$10B
770
Delinquency Rate
credit_quality
Value: 1.67%
Peer Median: 0.87%
#770 of 882 Bottom 12.8% in $1B-$10B
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