Sabine State Bank and Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Sabine State Bank and Trust Company. Based in Many, Louisiana, it had $1.3 billion in assets at June 30, 2026, up 1.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.64% of loans from 0.95% a year earlier. It keeps 4.66 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 10.54% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Earnings fell sharply: quarterly net income of $5.9 million was 33% below a year earlier. Over the same year, loans shrank 0.3% and deposits grew 3.7%. Credit is the area to watch: it carries problem assets equal to 19.9% of the capital and reserves that would absorb them, 5.6 times the median of 3.6% for banks its size.
As of June 30, 2026, Sabine State Bank and Trust Company reported a CET1 capital ratio of 10.54%, a return on assets of 1.73%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 19.89%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 297 Elizabeth St, Many, LA 71449
- County
- Sabine
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Offices
- 51 domestic
- Employees (FTE)
- 340
- Domestic deposits
- $1.23B
- Allowance for credit losses
- $8.5M
- Net charge-offs (YTD)
- $434K
- Average total assets
- $1.37B
- Average total loans
- $1.10B
- Average interest-bearing deposits
- $1.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8141
- Fed RSSD
- 125855
- SEC CIK
- 1848357 → filed by SABINE BANCSHARES, INC.
- Website
- www.sabinebank.com →
- Parent Holding Company
- SABINE BANCSHARES, INC. (RSSD 1108042)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Sabine State Bank and Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sabine State Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Sabine State Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Sabine State Bank and Trust Company: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.54% | 1.73% | 1.66% | 19.89% | 4.66% |
| Q1 2026 | 11.59% | 1.73% | 1.64% | 18.60% | 4.87% |
| Q4 2025 | 12.56% | 2.17% | 0.69% | 7.45% | 5.19% |
| Q3 2025 | 13.02% | 2.40% | 0.94% | 8.96% | 5.26% |
| Q2 2025 | 13.60% | 2.59% | 0.99% | 8.94% | 5.22% |
| Q1 2025 | 12.22% | 2.45% | 0.90% | 8.77% | 5.03% |
| Q4 2024 | 12.50% | 2.67% | 1.00% | 9.30% | 5.32% |
| Q3 2024 | 12.54% | 2.74% | 0.78% | 7.50% | 5.33% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 51 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sabine State Bank and Trust Company (main office) | Many , LA | 71449 | $434.4M |
| Natchitoches Branch | Natchitoches , LA | 71457 | $76.4M |
| Leesville Branch | Leesville , LA | 71446 | $64.8M |
| Hwy 167 North Winnfield Branch | Winnfield , LA | 71483 | $55.5M |
| Jasper Branch | Jasper , TX | 75951 | $45.8M |
| Jackson Street Branch | Alexandria , LA | 71303 | $42.1M |
| Bunkie Branch | Bunkie , LA | 71322 | $33.8M |
| Center Tx Branch | Center , TX | 75935 | $31.2M |
| Mansfield Branch | Mansfield , LA | 71052 | $29.6M |
| Natchitoches Bypass Branch | Natchitoches , LA | 71457 | $29.4M |
| Oakdale Branch | Oakdale , LA | 71463 | $28.4M |
| Dequincy Branch | Dequincy , LA | 70633 | $23.6M |
| Oberlin Branch | Oberlin , LA | 70655 | $22.8M |
| Glenmora Branch | Glenmora , LA | 71433 | $21.0M |
| Zwolle Branch | Zwolle , LA | 71486 | $19.9M |
| Hemphill Branch | Hemphill , TX | 75948 | $19.5M |
| Mamou Branch | Mamou , LA | 70554 | $16.6M |
| Toledo Bend Branch | Many , LA | 71449 | $15.1M |
| Hineston Branch | Hineston , LA | 71438 | $15.1M |
| Coushatta Branch | Coushatta , LA | 71019 | $14.8M |
| Converse Branch | Converse , LA | 71419 | $13.7M |
| Pleasant Hills Branch | Pleasant Hills , LA | 71065 | $12.0M |
| Pine Street Branch | De Ridder , LA | 70634 | $11.8M |
| Pineville Branch | Pineville , LA | 71360 | $11.3M |
| Florien Branch | Florien , LA | 71429 | $11.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 18, 2002 | Structure Change | Acquired The Farmers Bank & Trust of Cheneyville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 17, 2002 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 17, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 17, 2002 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired Bank of Saline Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1996 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Sabine State Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in LA, rank 19 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $352K approved, $352K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Sabine State Bank and Trust Company
What are Sabine State Bank and Trust Company's total assets?
As of the Q2 2026 filing, Sabine State Bank and Trust Company reported total assets of $1.35 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sabine State Bank and Trust Company headquartered?
Sabine State Bank and Trust Company is headquartered in Many, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Sabine State Bank and Trust Company founded?
Sabine State Bank and Trust Company was established in 1902, per the FDIC institution directory.
Is Sabine State Bank and Trust Company FDIC-insured?
Yes. Sabine State Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #8141). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sabine State Bank and Trust Company?
Sabine State Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sabine State Bank and Trust Company's CET1 capital ratio?
Sabine State Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 10.54% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sabine State Bank and Trust Company operate?
Sabine State Bank and Trust Company operates 51 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sabine State Bank and Trust Company's Texas Ratio?
Sabine State Bank and Trust Company's Texas Ratio is 19.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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