Sabine State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sabine State Bank and Trust Company of Many, LA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.46% | +0.27% | 79th top |
| ROAE | 20.58% | 12.69% | +7.89% | 90th top |
| Net Interest Margin | 4.66% | 3.85% | +0.81% | 91st top |
| Efficiency Ratio | 62.82% | 57.40% | +5.42% | 36th below |
| PPNR / Avg Assets | 1.96% | 1.88% | +0.08% | 66th above |
| Yield on Earning Assets | 6.08% | 5.72% | +0.36% | 78th top |
| Cost of Funds | 1.66% | 2.02% | -0.36% | 72nd above |
| Net Interest Spread | 4.58% | 3.18% | +1.40% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.66% | 1.00% | +0.66% | 15th bottom |
| NPA / Total Assets | 1.75% | 0.76% | +0.99% | 9th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 0.77% | 1.31% | -0.54% | 12th bottom |
| ACL / NPLs (Coverage) | 46.44% | 564.64% | -518.20% | 8th bottom |
| Texas Ratio | 20.58% | 7.38% | +13.20% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 157.60% | 618.83% | -461.23% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.54% | 17.34% | -6.80% | 4th bottom |
| Tier 1 Ratio | 10.54% | 17.37% | -6.83% | 4th bottom |
| Total Capital Ratio | 11.36% | 18.42% | -7.06% | 3rd bottom |
| Leverage Ratio | 8.28% | 11.44% | -3.16% | 3rd bottom |
| Equity / Assets | 8.14% | 11.34% | -3.20% | 8th bottom |
| TCE / Tangible Assets | 8.12% | 10.50% | -2.38% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.43% | 86.95% | +2.48% | 47th below |
| Core Deposit Ratio | 92.94% | 85.55% | +7.39% | 73rd above |
| Uninsured Deposit Ratio | 36.93% | 33.12% | +3.81% | 34th below |
| Wholesale Funding Ratio | 0.36% | 5.70% | -5.34% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.39% | 9.68% | -8.29% | 24th bottom |
| Loan Growth (Y/Y) | -0.26% | 8.06% | -8.32% | 16th bottom |
| Deposit Growth (Y/Y) | 3.66% | 7.88% | -4.22% | 42nd below |
See Sabine State Bank and Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sabine State Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sabine State Bank and Trust Company profile, how to read a UBPR, or how this data updates.