Sabine State Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 26.7% higher than in Q1 2026, at -$3.5M. On CET1 ratio, Sabine State Bank and Trust Company is 1st from the bottom among 46 Louisiana banks, 10.54% (Q2 2026). Sabine State Bank and Trust Company reported 10.54% on CET1 ratio for Q2 2026, 2.95 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.54% |
| Tier 1 risk-based capital ratio | 10.54% |
| Total risk-based capital ratio | 11.36% |
| Tier 1 leverage ratio | 8.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $113.0M |
| Tier 1 capital | $113.0M |
| Total risk-based capital | $121.8M |
| Total equity capital | $109.8M |
| Risk-weighted assets | $1.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.14% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 8.04% |
| Internal capital growth rate | -36.69% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $68.9M |
| Retained earnings | $44.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.63% | 13.63% | 14.68% | 10.12% | $929.1M |
| Q4 2023 | 13.00% | 13.00% | 13.97% | 10.23% | $983.5M |
| Q1 2024 | 13.06% | 13.06% | 14.00% | 9.73% | $979.0M |
| Q2 2024 | 12.76% | 12.76% | 13.63% | 9.68% | $1.00B |
| Q3 2024 | 12.54% | 12.54% | 13.35% | 9.63% | $1.02B |
| Q4 2024 | 12.50% | 12.50% | 13.33% | 9.56% | $1.03B |
| Q1 2025 | 12.22% | 12.22% | 13.03% | 9.30% | $1.07B |
| Q2 2025 | 13.60% | 13.60% | 14.43% | 10.27% | $1.03B |
| Q3 2025 | 13.02% | 13.02% | 13.80% | 10.47% | $1.07B |
| Q4 2025 | 12.56% | 12.56% | 13.33% | 10.61% | $1.11B |
| Q1 2026 | 11.59% | 11.59% | 12.39% | 9.26% | $1.07B |
| Q2 2026 | 10.54% | 10.54% | 11.36% | 8.28% | $1.07B |
Sabine State Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sabine State Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Sabine State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8141) · FFIEC NIC profile (RSSD 125855)