Sabine State Bank and Trust Company: Loan-to-Deposit Ratio
Data as of · sourced from FFIEC call reports. How we update
Sabine State Bank and Trust Company reported a loan-to-deposit ratio of 89.43% as of Q2 2026, ranking #1,245 of 3,639 U.S. banks (66th percentile). That is down 3.52 percentage points from 92.95% a year earlier, and above the 88.16% median of the 872 Large Community Banks ($1B–$10B in assets). The Loan-to-Deposit Ratio (LTD) measures loans against deposits. A high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
12-Quarter Trend
National Context
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
Most US community banks report LTD between 65% and 90%. The industry has been gradually de-leveraging. LTD has fallen from ~80% to ~70% since 2007. Banks above 100% are funding loans with non-deposit sources, a more rate-sensitive and lower-quality funding mix.
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What is Sabine State Bank and Trust Company's Loan-to-Deposit Ratio?
Sabine State Bank and Trust Company's Loan-to-Deposit Ratio was 89.43% as of Q2 2026, ranking #1245 of 3,639 U.S. banks.
What is the Loan-to-Deposit Ratio?
The Loan-to-Deposit Ratio measures the bank's loans outstanding as a percentage of its deposit base. It captures how aggressively the bank is deploying its core funding into lending vs. holding liquid securities.
More Sabine State Bank and Trust Company metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Sabine State Bank and Trust Company profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 8141) · FFIEC NIC profile (RSSD 125855)