Sabine State Bank And Trust Company Mortgage Rates, Fees & Info

Many, LA

LEI: 254900GNK8YXIZQ6LW40

Tax ID: 72-0306740

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Sabine State Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Sabine State Bank And Trust Company has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Alexandria, Lake Charles, Fort Polk South, Natchitoches, and Deridder among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Sabine State Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sabine State Bank And Trust Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.03% 11/17/24
    30 Year Conventional Refi 6.53% 11/17/24
    30 Year Cash-out Refi 7.23% 11/17/24
    30 Year FHA Purchase 7.19% 11/17/24
    30 Year FHA Refi 7.74% 11/17/24
    30 Year VA Purchase 6.10% 11/17/24
    30 Year VA Refi 6.27% 11/17/24
    30 Year USDA Purchase 6.80% 11/17/24
    15 Year Conventional Purchase 6.49% 11/17/24
    15 Year Conventional Refi 6.01% 11/17/24
    15 Year Cash-out Refi 6.01% 11/17/24
    15 Year VA Purchase 5.68% 11/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Sabine State Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Sabine State Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    516

    Origination Dollar Volume (All Markets)

    $74,980,000

    Employee count

    383

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 235 $28,095,000 $119,553 $4,736 5.14%
    ALEXANDRIA, LA (FHA|USDA|VA) 76 $11,130,000 $146,447 $5,266 4.92%
    LAKE CHARLES, LA (FHA|USDA|VA) 31 $10,665,000 $344,032 $4,154 5.44%
    Fort Polk South, LA (FHA|USDA|VA) 60 $7,180,000 $119,667 $4,782 5.44%
    Natchitoches, LA (FHA|USDA|VA) 33 $5,345,000 $161,970 $4,816 5.02%
    DeRidder, LA (FHA|USDA|VA) 36 $4,330,000 $120,278 $5,283 5.58%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 8 $1,080,000 $135,000 $4,072 5.09%
    MONROE, LA (FHA|USDA|VA) 3 $805,000 $268,333 $10,936 5.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $745,000 $106,429 $0 5.59%
    BATON ROUGE, LA (FHA|USDA|VA) 3 $685,000 $228,333 $4,781 4.79%
    LAFAYETTE, LA (FHA|USDA|VA) 4 $650,000 $162,500 $4,373 4.78%
    Lufkin, TX (FHA|USDA|VA) 3 $565,000 $188,333 $0 6.33%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $500,000 $250,000 $4,292 5.69%
    Jennings, LA (FHA|USDA|VA) 3 $365,000 $121,667 $2,920 5.83%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $315,000 $315,000 $8,196 4.25%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $315,000 $315,000 $0 6.00%
    MIDLAND, TX (FHA|USDA|VA) 1 $215,000 $215,000 $5,547 5.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 5.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $205,000 $205,000 $5,830 4.63%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $3,249 5.75%
    Opelousas, LA (FHA|USDA|VA) 1 $175,000 $175,000 $4,662 4.88%
    Williston, ND (FHA|USDA|VA) 1 $175,000 $175,000 $4,251 5.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,445 4.88%
    Minden, LA (FHA|USDA|VA) 1 $75,000 $75,000 $3,525 5.13%
    Sabine State Bank And Trust Company's top markets include Alexandria, Lake Charles, Fort Polk South, Natchitoches, and Deridder among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Sabine State Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Evangeline Bank & Trust Company
    Similarity Rank: 132
    Jeff Davis Bancshares
    Similarity Rank: 275
    Red River Bank
    Similarity Rank: 448
    Sabine State Bank and Trust Company
    Similarity Rank: 546
    TIB The Independent Bankersbank
    Similarity Rank: 864
    EUSTIS AND AMERICAN MORTGAGE COMPANY
    Similarity Rank: 868
    STANDARD MORTGAGE CORPORATION
    Similarity Rank: 920
    Iberiabank
    Similarity Rank: 1859
    BancorpSouth
    Similarity Rank: 2379
    Hancock Whitney Bank
    Similarity Rank: 2883

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 425 $63,005,000 $148,247 $4,469 5.31%
    USDA 46 $5,470,000 $118,913 $5,644 4.60%
    FHA 30 $3,830,000 $127,667 $6,081 4.79%
    VA 15 $2,675,000 $178,333 $7,073 4.52%

    For 2018, Sabine State Bank And Trust Company's most frequently originated type of loan was Conventional, with 425 originations. Their 2nd most popular type was USDA, with 46 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 375 $57,395,000 $153,053 $5,143 5.24%
    Refi 65 $7,885,000 $121,308 $4,099 5.22%
    Cash Out Refi 61 $8,785,000 $144,016 $4,337 4.70%
    Home Improvement 12 $700,000 $58,333 $2,955 5.92%
    Other 3 $215,000 $71,667 $2,962 6.21%

    For 2018, Sabine State Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 375 originations. The 2nd most popular reason was Refi, with 65 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 265 $42,005,000 $158,509 $5,236 4.92%
    3 Year 107 $14,845,000 $138,738 $0 6.15%
    15 Year 78 $8,810,000 $112,949 $3,957 4.46%
    5 Year 23 $4,165,000 $181,087 $3,431 6.10%
    Other 15 $2,105,000 $140,333 $3,623 5.89%
    10 Year 12 $760,000 $63,333 $3,134 4.68%
    20 Year 10 $860,000 $86,000 $3,855 4.89%
    1 Year 6 $1,430,000 $238,333 $0 6.13%

    For 2018, Sabine State Bank And Trust Company's most frequently cited loan duration was 30 Year, with 265 originations. The 2nd most popular length was 3 Year, with 107 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 142 $13,290,000 $93,592
    $<1k 99 $13,505,000 $136,414
    $2k-3k 88 $15,940,000 $181,136
    $3k-4k 17 $4,875,000 $286,765
    $4k-5k 10 $3,610,000 $361,000

    Sabine State Bank And Trust Company's average total fees were $5,236, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 142 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 257 $39,025,000 $151,848
    5-6% 167 $26,985,000 $161,587
    6-7% 69 $6,815,000 $98,768
    3-4% 17 $1,805,000 $106,176
    7-8% 5 $315,000 $63,000
    Over 8% 1 $35,000 $35,000

    During 2018, Sabine State Bank And Trust Company's average interest rate for loans was 4.92%, while their most frequently originated rate bucket for loans was 4-5%, with 257 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 221 $14,335,000 $64,864 $3,777 5.39%
    $100k-200k 190 $26,920,000 $141,684 $5,025 5.04%
    $200k-400k 90 $24,180,000 $268,667 $6,487 5.03%
    $400k-600k 11 $4,925,000 $447,727 $6,782 5.28%
    $600k-1MM 3 $2,005,000 $668,333 $0 5.42%
    $1MM+ 1 $2,615,000 $2,615,000 $0 5.25%

    2018 saw Sabine State Bank And Trust Company place emphasis on $100,000 or less loans with 221 originations, totaling $14,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 125 $11,505,000 $92,040 $4,383 5.08%
    $50k-75k 117 $13,175,000 $112,607 $4,656 5.14%
    $100k-150k 78 $13,900,000 $178,205 $5,692 5.09%
    $75k-100k 77 $11,765,000 $152,792 $4,971 5.04%
    $150k-250k 40 $6,860,000 $171,500 $5,138 5.07%
    $250k+ 16 $4,320,000 $270,000 $5,149 5.20%

    Sabine State Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 125 originations. The second most popular income band? $50k-75k, with 117 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 98 $12,820,000 $130,816 $4,619 4.84%
    30-36% 83 $10,715,000 $129,096 $4,834 5.00%
    <20% 32 $3,140,000 $98,125 $4,067 5.16%
    44% 22 $2,800,000 $127,273 $4,608 4.88%
    36% 19 $3,495,000 $183,947 $4,984 4.97%
    40% 19 $2,125,000 $111,842 $4,849 4.58%
    38% 18 $2,510,000 $139,444 $5,434 5.24%
    42% 13 $2,465,000 $189,615 $5,377 4.66%
    37% 13 $2,165,000 $166,538 $4,723 4.86%
    48% 12 $2,280,000 $190,000 $4,429 5.00%
    43% 10 $1,310,000 $131,000 $4,808 4.89%
    39% 10 $1,120,000 $112,000 $4,387 5.21%
    45% 10 $1,290,000 $129,000 $4,761 4.91%
    41% 10 $1,910,000 $191,000 $7,111 4.89%
    49% 8 $1,320,000 $165,000 $5,074 4.92%
    46% 8 $1,570,000 $196,250 $6,017 4.89%
    >60% 7 $1,385,000 $197,857 $5,835 5.80%
    50-60% 5 $985,000 $197,000 $9,269 5.00%
    47% 4 $580,000 $145,000 $4,816 4.31%

    Sabine State Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 98 originations. The next most common DTI ratio? 30-36%, with 83 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 416 $56,040,000 $134,712 $4,815 5.09%
    Not applicable 58 $12,860,000 $221,724 $0 6.00%
    Black 22 $3,020,000 $137,273 $5,167 4.94%
    Not provided 11 $1,685,000 $153,182 $5,012 5.36%
    American Indian 5 $765,000 $153,000 $6,477 5.20%
    Asian 4 $610,000 $152,500 $5,390 5.03%

    Approval Rates

    Total approvals of all applications
    89.02%

    Sabine State Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.17%

    Sabine State Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 516 $74,980,000 $145,310

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $745,000 $248,333
    Multifamily:Site-Built 10 $3,210,000 $321,000
    Single Family (1-4 Units):Manufactured 117 $9,995,000 $85,427
    Single Family (1-4 Units):Site-Built 386 $61,030,000 $158,109

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 30 $3,040,000 $101,333 $3,453 5.13%
    40-60% 50 $5,840,000 $116,800 $3,750 5.14%
    60-80% 172 $27,390,000 $159,244 $4,658 5.34%
    80-100% 253 $37,705,000 $149,032 $5,207 5.10%
    Over 100% 1 $335,000 $335,000 $16,277 4.38%
    Under 20% 10 $670,000 $67,000 $3,242 5.78%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    SFMC L.P. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Sabine State Bank and Trust Company 110 East Fifth Street Oberlin, LA 70655 Full Service B&M $17,396
    Sabine State Bank and Trust Company 1125 7th Street Glenmora, LA 71433 Full Service B&M $18,542
    Sabine State Bank and Trust Company 11479 Hwy 190 Merryville, LA 70653 Full Service B&M $3,869
    Sabine State Bank and Trust Company 115 North Front Street Converse, LA 71419 Full Service B&M $7,907
    Sabine State Bank and Trust Company 12020 Texas Highway Many, LA 71449 Full Service B&M $12,527
    Sabine State Bank and Trust Company 121 University Parkway Leesville, LA 71446 Full Service B&M $45,324
    Sabine State Bank and Trust Company 1309 E. Carroll Street Coushatta, LA 71019 Full Service B&M $9,065
    Sabine State Bank and Trust Company 1340 Boone St Leesville, LA 71446 Full Service B&M $0
    Sabine State Bank and Trust Company 1377 Fourth Street Saline, LA 71070 Full Service B&M $5,511
    Sabine State Bank and Trust Company 1527 North Pine Street De Ridder, LA 70634 Full Service B&M $9,457
    Sabine State Bank and Trust Company 1717 Hwy 71 Lecompte, LA 71346 Full Service B&M $6,091
    Sabine State Bank and Trust Company 1869 U.S. Highway 71 Montgomery, LA 71454 Full Service B&M $2,312
    Sabine State Bank and Trust Company 1900 Maplewood Drive Sulphur, LA 70663 Full Service B&M $3,066
    Sabine State Bank and Trust Company 1927 Highway 121 Hineston, LA 71438 Full Service B&M $11,596
    Sabine State Bank and Trust Company 1970 West Main Street Pleasant Hills, LA 71065 Full Service B&M $5,067
    Sabine State Bank and Trust Company 203 Ansley Boulevard Alexandria, LA 71303 Full Service B&M $6,710
    Sabine State Bank and Trust Company 205 Hurst Street Center, TX 75935 Full Service B&M $14,172
    Sabine State Bank and Trust Company 2087 Obrie Street Zwolle, LA 71486 Full Service B&M $21,945
    Sabine State Bank and Trust Company 215 Pershing Highway Jonesboro, LA 71251 Full Service B&M $8,480
    Sabine State Bank and Trust Company 2335 Mill Street Ringgold, LA 71068 Full Service B&M $4,566
    Sabine State Bank and Trust Company 2704 Holloway Prairie Pineville, LA 71360 Full Service B&M $5,992
    Sabine State Bank and Trust Company 297 Elizabeth Street Many, LA 71449 Full Service B&M $204,305
    Sabine State Bank and Trust Company 300 Second Street Colfax, LA 71417 Full Service B&M $2,327
    Sabine State Bank and Trust Company 306 Walnut Street Bunkie, LA 71322 Full Service B&M $25,393
    Sabine State Bank and Trust Company 314 Main Street Logansport, LA 71049 Full Service B&M $1,703
    Sabine State Bank and Trust Company 395 East First Street Deridder, LA 70634 Full Service B&M $3,752
    Sabine State Bank and Trust Company 401 East Fifth Avenue Oakdale, LA 71463 Full Service B&M $25,575
    Sabine State Bank and Trust Company 401 West Court Street Winnfield, LA 71483 Full Service B&M $6,252
    Sabine State Bank and Trust Company 4121 Nelson Road Lake Charles, LA 70605 Full Service B&M $2,444
    Sabine State Bank and Trust Company 425 Sabine Street Hemphill, TX 75948 Full Service B&M $10,380
    Sabine State Bank and Trust Company 4716 Jackson Street Alexandria, LA 71303 Full Service B&M $26,239
    Sabine State Bank and Trust Company 4725 Hwy 112 Forest Hill, LA 71430 Full Service B&M $4,005
    Sabine State Bank and Trust Company 483 State Highway 63 East Burkeville, TX 75932 Full Service B&M $2,056
    Sabine State Bank and Trust Company 506 East 4th Street Dequincy, LA 70633 Full Service B&M $13,708
    Sabine State Bank and Trust Company 516 Main Street Mamou, LA 70554 Full Service B&M $11,909
    Sabine State Bank and Trust Company 565 East Gibson Street Jasper, TX 75951 Full Service B&M $7,100
    Sabine State Bank and Trust Company 5769 Highway 1 Bypass Natchitoches, LA 71457 Full Service B&M $22,526
    Sabine State Bank and Trust Company 5917 Highway 167 Winnfield, LA 71483 Full Service B&M $45,856
    Sabine State Bank and Trust Company 601 Polk Street Mansfield, LA 71052 Full Service B&M $25,239
    Sabine State Bank and Trust Company 603 Front Street Cheneyville, LA 71325 Full Service B&M $7,297
    Sabine State Bank and Trust Company 620 Nolan Trace Florien, LA 71429 Full Service B&M $10,941
    Sabine State Bank and Trust Company 6206 Monroe Hwy Ball, LA 71405 Full Service B&M $1,593
    Sabine State Bank and Trust Company 645 West Oak Street Jena, LA 71342 Full Service B&M $9,267
    Sabine State Bank and Trust Company 6669 Tannehill Drive Urania, LA 71480 Full Service B&M $1,366
    Sabine State Bank and Trust Company 710 San Antonio Avenue Many, LA 71449 Full Service B&M $29
    Sabine State Bank and Trust Company 737 Keyser Avenue Natchitoches, LA 71457 Full Service B&M $59,505
    Sabine State Bank and Trust Company 765 North Shreveport Highway Many, LA 71449 Full Service Retail $4,588
    Sabine State Bank and Trust Company 780 Front Street, Suite 103 Natchitoches, LA 71457 Full Service B&M $1,269
    Sabine State Bank and Trust Company 806 Main Street Hackberry, LA 70645 Full Service B&M $6,467
    Sabine State Bank and Trust Company 9048 Texas Street Robeline, LA 71469 Full Service B&M $1,173
    Sabine State Bank and Trust Company 9900 Highway 87 South Hemphill, TX 75948 Full Service B&M $1,116
    Sabine State Bank and Trust Company Corner Of Montana & Colorado Avenues Fort Polk, LA 71459 Full Service B&M $6,949

    For 2018, Sabine State Bank And Trust Company had 52 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,244
    Net interest income $38,412
    Total noninterest income $12,724
    Gross Fiduciary activities income $9
    Service charges on deposit accounts $6,250
    Trading account gains and fees $0
    Additional Noninterest Income $6,465
    Pre-tax net operating income $15,833
    Securities gains (or losses, -) $0
    Income before extraordinary items $15,833
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,833
    Minority interest net income $0
    Net income $15,833
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,833

    Sabine State Bank And Trust Company's gross interest income from loans was $42,244,000.
    Sabine State Bank And Trust Company's net interest income from loans was $38,412,000.
    Sabine State Bank And Trust Company's fee based income from loans was $6,250,000.
    Sabine State Bank And Trust Company's net income from loans was $15,833,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,832
    Provision for credit losses $1,186
    Total noninterest expense $34,117
    Salaries and employee benefits $19,748
    Premises and equipment expense $4,550
    Additional noninterest expense $9,819
    Applicable income taxes $0
    Net charge-offs $1,902
    Cash dividends $11,231

    Sabine State Bank And Trust Company's interest expense for loans was $3,832,000.
    Sabine State Bank And Trust Company's payroll and benefits expense were $19,748,000.
    Sabine State Bank And Trust Company's property, plant and equipment expenses $4,550,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $790,602
    Deposits held in domestic offices $790,602
    Deposits by Individuals, partnerships, and corporations $625,317
    Deposits by U.S. Government $118
    Deposits by States and political subdivisions in the U.S. $164,917
    Deposits by Commercial banks and other depository institutions in U.S. $250
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $463,572
    Demand deposits $329,974
    Nontransaction accounts $327,030
    Money market deposit accounts (MMDAs) $106,493
    Other savings deposits (excluding MMDAs) $113,775
    Total time deposits $106,762
    Total time and savings deposits $460,628
    Noninterest-bearing deposits $329,974
    Interest-bearing deposits $460,628
    Retail deposits $748,565
    IRAs and Keogh plan accounts $10,597
    Brokered deposits $152
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $898,304
    Cash & Balances due from depository institutions $48,259
    Interest-bearing balances $23,983
    Total securities $93,819
    Federal funds sold & reverse repurchase $0
    Net loans and leases $716,571
    Loan and leases loss allowance $6,259
    Trading account assets $0
    Bank premises and fixed assets $23,093
    Other real estate owned $3,371
    Goodwill and other intangibles $4,016
    All other assets $9,175

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $898,304
    Total Liabilities $807,777
    Total deposits $790,602
    Interest-bearing deposits $460,628
    Deposits held in domestic offices $790,602
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $5,449
    Trading liabilities $0
    Other borrowed funds $8,851
    Subordinated debt $0
    All other liabilities $2,875

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $716,571
    Loan and leases loss allowance $6,259
    Total loans and leases (domestic) $722,830
    All real estate loans $541,200
    Real estate loans in domestic offices $541,200
    Construction and development loans $61,494
    Residential 1-4 family construction $13,406
    Other construction, all land development and other land $48,088
    Loans secured by nonfarm nonresidential properties $297,706
    Nonfarm nonresidential secured by owner-occupied properties $157,209
    Commercial real estate & other non-farm, non-residential $140,497
    Multifamily residential real estate $9,607
    1-4 family residential loans $100,613
    Farmland loans $71,780
    Loans held in foreign offices $0
    Farm loans $52,810
    Commercial and industrial loans $109,021
    To non-U.S. addressees $0
    Loans to individuals $14,702
    Credit card loans $1,281
    Related Plans $1,032
    Consumer Auto Loans $3,071
    Other loans to individuals $9,318
    All other loans & leases $5,097
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $786
    Non 1-4 family restructured loans & leases $786
    Total loans and leases (foreign) $0

    Sabine State Bank and Trust Company had $716,571,000 of loans outstanding in 2018. $541,200,000 of loans were in real estate loans. $61,494,000 of loans were in development loans. $9,607,000 of loans were in multifamily mortgage loans. $100,613,000 of loans were in 1-4 family mortgage loans. $52,810,000 of loans were in farm loans. $1,281,000 of loans were in credit card loans. $3,071,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 414 $81,363 $196,529
    Nonfarm, nonresidential loans - <$100k 133 $5,193 $39,045
    Nonfarm, nonresidential loans - $100-250k 125 $16,664 $133,312
    Nonfarm, nonresidential loans - $250k-1MM 156 $59,506 $381,449
    Commercial & Industrial, US addressed loans - <$1MM 1,886 $53,995 $28,629
    Commercial & Industrial, US addressed loans - <$100k 1,720 $24,499 $14,244
    Commercial & Industrial, US addressed loans - $100-250k 96 $8,540 $88,958
    Commercial & Industrial, US addressed loans - $250k-1MM 70 $20,956 $299,371
    Farmland loans - <$1MM 158 $17,195 $108,829
    Farmland loans - <$100k 66 $2,878 $43,606
    Farmland loans - $100-250k 58 $6,553 $112,983
    Farmland loans - $250k-1MM 34 $7,764 $228,353
    Agriculture operations loans - <$1MM 487 $29,210 $59,979
    Agriculture operations loans - <$100k 317 $7,374 $23,262
    Agriculture operations loans - $100-250k 108 $10,906 $100,981
    Agriculture operations loans - $250k-1MM 62 $10,930 $176,290