Sabine State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Sabine State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Many, LA, established in 1902 (FDIC certificate 8141), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.35B, up 1.4% from Q2 2025, the 11th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 10.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8141
- Headquarters
- Many, LA
- Established
- 1902
- Total assets, Q2 2026
- $1.35B
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 10.55%
- Domestic offices
- 51 FDIC institution directory, current count
- Routing number
- 111102059
- Latest call report
- Q2 2026, FFIEC 051 · Sabine State Bank and Trust Company call report
- Holding company
- SABINE BANCSHARES, INC.
- Asset rank in state
- 11th of 102 in Louisiana
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 returns 20.6% a year on shareholders' equity, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 12.7%). It also keeps 4.66 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
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%. Where it has less room is capital: it holds common equity equal to 10.55% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.50%).
As of June 30, 2026, Sabine State Bank and Trust Company reported a CET1 capital ratio of 10.55%, a return on assets of 1.73%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 19.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Sabine State Bank and Trust Company is the 11th largest of the 102 banks headquartered in Louisiana. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $1.35B, loans fell 0.4% and deposits rose 1.9%. Commercial and industrial loans made up 20.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.7%. The FDIC Summary of Deposits lists 51 offices for it, in 42 cities across 2 states; its Many 3 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Sabine State Bank and Trust Company meets every capital ratio test for well capitalized.
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
- Domestic offices
- 51 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Sabine State Bank and Trust Company's total assets ranged from $1.24B (Q3 2023) to $1.39B (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.35B total assets against $1.33B; $1.24B total liabilities against $1.20B.
$1.09B net loans and leases against $1.09B; $1.23B total deposits against $1.19B.
$111.6M securities against $115.8M; $92.7M cash and balances due against $76.4M.
$19.4M total interest income against $21.1M; $4.6M total interest expense against $4.4M.
$14.8M net interest income against $16.8M.
$3.5M total noninterest income against $3.4M; $11.7M total noninterest expense against $11.2M.
$271K provision for credit losses against $137K.
$5.9M net income against $8.8M.
1.73% return on assets against 2.59%; 4.66% net interest margin against 5.22%.
10.55% CET1 capital ratio against 13.60%; 8.28% tier 1 leverage ratio against 10.27%.
Inside the full Sabine State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 172 of 3,640, for Texas Ratio; its furthest is 2,039 of 2,134, for CET1 ratio.
Metric pages for Sabine State Bank and Trust Company: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.73% (Q1 2026) to 2.74% (Q3 2024) and its net interest margin ran from 4.66% (Q2 2026) to 5.33% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.55% | 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% | 0.70% | 7.45% | 5.19% |
| Q3 2025 | 13.02% | 2.40% | 0.92% | 8.96% | 5.26% |
| Q2 2025 | 13.60% | 2.59% | 0.96% | 8.94% | 5.22% |
| Q1 2025 | 12.22% | 2.45% | 0.94% | 8.77% | 5.03% |
| Q4 2024 | 12.50% | 2.67% | 0.96% | 9.30% | 5.32% |
| Q3 2024 | 12.54% | 2.74% | 0.74% | 7.50% | 5.33% |
Swipe the table sideways to see every column.
Branch Network
View all 51 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in LA, rank 19 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Sabine State Bank and Trust Company headquartered?
It is headquartered in Many, LA, United States.
When was Sabine State Bank and Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Sabine State Bank and Trust Company FDIC-insured?
Yes. It 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.
What is Sabine State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sabine State Bank and Trust Company operate?
It 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?
Its Texas Ratio is 19.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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