Sabine State Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 21.25 percentage points in Q2 2026, from 274.84% to 296.09%. 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). At 89.43%, Sabine State Bank and Trust Company's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.10B |
| Net loans and leases | $1.09B |
| Loans held for sale | $1.2M |
| Loans to total assets | 81.47% |
| Loan-to-deposit ratio | 89.43% |
| Net loans to equity capital | 9.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.52% |
| Multifamily (5+ residential) | 4.06% |
| Commercial and industrial | 20.26% |
| Consumer | 1.52% |
| Credit cards | 0.11% |
| Farm | 10.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 296.09% |
| Construction concentration (Tier 1 capital + allowance) | 97.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $17.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $970.5M | $1.10B | 37.86% | 20.85% | 2.00% |
| Q4 2023 | $1.01B | $1.14B | 37.52% | 21.25% | 1.96% |
| Q1 2024 | $1.03B | $1.18B | 37.57% | 21.32% | 1.87% |
| Q2 2024 | $1.06B | $1.20B | 39.40% | 20.84% | 1.81% |
| Q3 2024 | $1.08B | $1.18B | 38.51% | 20.51% | 1.80% |
| Q4 2024 | $1.10B | $1.23B | 37.95% | 20.71% | 1.71% |
| Q1 2025 | $1.13B | $1.26B | 38.21% | 22.03% | 1.60% |
| Q2 2025 | $1.10B | $1.19B | 38.50% | 21.63% | 1.64% |
| Q3 2025 | $1.10B | $1.18B | 38.92% | 20.19% | 1.61% |
| Q4 2025 | $1.11B | $1.17B | 38.76% | 20.20% | 1.57% |
| Q1 2026 | $1.10B | $1.21B | 38.53% | 20.01% | 1.56% |
| Q2 2026 | $1.10B | $1.23B | 37.52% | 20.26% | 1.52% |
Sabine State Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sabine State Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)