Sabine State Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loan-to-deposit ratio dropped 2.07 percentage points in Q2 2026, from 91.50% to 89.43%. It was the largest change from Q1 2026 among the key lines here. Sabine State Bank and Trust Company ranks 32nd of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 89.43% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Sabine State Bank and Trust Company reported 89.43% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.7M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $204.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $4.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.43% |
| Net loans and leases to deposits | 88.74% |
| Loans and leases to core deposits | 95.72% |
| Core deposits to total deposits | 92.94% |
| Brokered deposits to total deposits | 0.49% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.45% | 98.23% | $17.6M | $8.9M |
| Q4 2023 | 88.20% | 97.83% | $17.0M | $8.6M |
| Q1 2024 | 87.91% | 97.54% | $0 | $8.2M |
| Q2 2024 | 88.99% | 95.21% | $0 | $7.8M |
| Q3 2024 | 91.82% | 94.35% | $0 | $7.5M |
| Q4 2024 | 88.88% | 93.83% | $0 | $7.1M |
| Q1 2025 | 89.51% | 93.96% | $0 | $6.7M |
| Q2 2025 | 92.95% | 92.90% | $0 | $6.3M |
| Q3 2025 | 93.44% | 92.26% | $0 | $6.0M |
| Q4 2025 | 94.70% | 92.28% | $0 | $5.6M |
| Q1 2026 | 91.50% | 94.69% | $0 | $5.2M |
| Q2 2026 | 89.43% | 92.94% | $0 | $4.8M |
Sabine State Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Sabine State Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)