Sabine State Bank and Trust Company
Many, Louisiana, Sabine County
$1.3B in total assets, the 837th largest of 4,309 US banks and 11th of 104 headquartered in Louisiana.
- FDIC certificate
- 8141
- Established
- 1902
- Owned by
- Sabine Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.sabinebank.com
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 47% | $1.4B | |
| Loans | $1.1B | 59% | $930M | |
| Deposits | $1.2B | 53% | $1.2B | |
| Return on assets | 2.00% | 94% | 1.17% | |
| Net interest margin | 4.83% | 94% | 4.14% | |
| Efficiency ratio | 64.9% | 44% | 68.1% | |
| Equity to assets | 8.14% | 12% | 11.33% | |
| Loans to deposits | 89% | 76% | 78% |
Growth
Total assets grew 1.6% a year over the last 5 years and 4.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2002 | The Farmers Bank & Trust of Cheneyville Cheneyville, LA | $35M |
| Jun 2002 | Community Bank, Katy, Tx. Hemphill, TX | $153M |
| Jan 2001 | Bank of Saline Saline, LA | $8M |
| Jun 1996 | First Community Bank Winnfield, LA | $50M |
Where they operate
51 branches in 20 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sabine County, LA | $511M | 65.9% | 1 of 5 |
| Rapides County, LA | $117M | 3.5% | 8 of 15 |
| Natchitoches County, LA | $108M | 6.9% | 5 of 6 |
| Vernon County, LA | $74M | 16.2% | 2 of 2 |
| Winn County, LA | $61M | 30.9% | 2 of 2 |
| Allen County, LA | $51M | 20.5% | 3 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (49 to 51, +4.1%). 6 opened, 0 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 49 | |||
| 2016 | Opened 3 in Louisiana | 3 | 0 | +3 | 52 |
| 2018 | Opened LeesvilleClosed Leesville | 1 | 1 | 0 | 52 |
| 2020 | Closed Many | 0 | 1 | −1 | 51 |
| 2021 | Opened Brookeland and Lake CharlesClosed Burkeville and Fort Polk | 2 | 2 | 0 | 51 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 32% | |
| Business (C&I) | 20% | 14% | |
| Construction and land | 11% | 9% | |
| 1-4 family residential | 11% | 27% | |
| Farmland | 10% | 1% | |
| Multifamily | 4% | 4% | |
| Agricultural | 4% | 1% | |
| Consumer | 2% | 5% | |
| Other | 1% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 78% | 41% | |
| Time deposits | 21% | 38% | |
| Noninterest-bearing | 0% | 21% |
Brokered deposits are 0.5% of deposits (peers 9.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.64% | 1.18% |
| Net charge-offs, annualized | 0.08% | 0.19% |
| Reserves to loans | 0.77% | 1.18% |
| Leverage ratio | 8.28% | 11.35% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Sabine County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/sabine