Sabine State Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 19.4% higher than in Q1 2026, at $4.6M. Sabine State Bank and Trust Company ranks 24th of 103 Louisiana banks on net interest margin, in the upper half at 4.66% (Q2 2026). Sabine State Bank and Trust Company reported 4.66% on net interest margin for Q2 2026, 0.95 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 3.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.66% |
| Yield to cost spread | 4.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.7M |
| Total interest expense | $4.6M |
| Interest expense on deposits | $4.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 6.20% | 1.85% | 4.68% |
| Q4 2023 | 6.43% | 1.54% | 5.18% |
| Q1 2024 | 6.51% | 1.50% | 5.11% |
| Q2 2024 | 6.71% | 1.80% | 5.24% |
| Q3 2024 | 6.90% | 1.91% | 5.33% |
| Q4 2024 | 6.77% | 1.81% | 5.32% |
| Q1 2025 | 6.48% | 1.80% | 5.03% |
| Q2 2025 | 6.56% | 1.46% | 5.22% |
| Q3 2025 | 6.61% | 1.72% | 5.26% |
| Q4 2025 | 6.44% | 1.36% | 5.19% |
| Q1 2026 | 6.07% | 1.52% | 4.87% |
| Q2 2026 | 6.08% | 1.66% | 4.66% |
Sabine State Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sabine State Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)