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™
  • Mortgage Calculator

    • 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: Fort Polk South, Alexandria, Lake Charles, Natchitoches, and Deridder among others. We have data for 15 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% 4/21/24
    30 Year Conventional Refi 6.53% 4/21/24
    30 Year Cash-out Refi 7.23% 4/21/24
    30 Year FHA Purchase 7.19% 4/21/24
    30 Year FHA Refi 7.74% 4/21/24
    30 Year VA Purchase 6.10% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.80% 4/21/24
    15 Year Conventional Purchase 6.49% 4/21/24
    15 Year Conventional Refi 6.01% 4/21/24
    15 Year Cash-out Refi 6.01% 4/21/24
    15 Year VA Purchase 5.68% 4/21/24
    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

    448

    Origination Dollar Volume (All Markets)

    $64,260,000

    Employee count

    369

    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 222 $28,730,000 $129,414 $4,818 4.81%
    Fort Polk South, LA (FHA|USDA|VA) 68 $10,850,000 $159,559 $4,682 5.18%
    ALEXANDRIA, LA (FHA|USDA|VA) 62 $9,640,000 $155,484 $5,859 4.51%
    LAKE CHARLES, LA (FHA|USDA|VA) 31 $6,835,000 $220,484 $4,284 5.56%
    Natchitoches, LA (FHA|USDA|VA) 31 $4,325,000 $139,516 $5,269 4.83%
    DeRidder, LA (FHA|USDA|VA) 17 $1,735,000 $102,059 $4,669 5.50%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 7 $755,000 $107,857 $4,394 5.04%
    MONROE, LA (FHA|USDA|VA) 2 $390,000 $195,000 $4,002 4.81%
    LAFAYETTE, LA (FHA|USDA|VA) 2 $240,000 $120,000 $0 6.75%
    Opelousas, LA (FHA|USDA|VA) 1 $185,000 $185,000 $4,744 5.00%
    Nacogdoches, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,942 4.63%
    WACO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,929 4.13%
    Tupelo, MS (FHA|USDA|VA) 1 $105,000 $105,000 $3,610 4.50%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.25%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $85,000 $85,000 $5,118 4.00%
    Sabine State Bank And Trust Company's top markets include Fort Polk South, Alexandria, Lake Charles, Natchitoches, and Deridder among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Mississippi (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.

    BARKSDALE
    Similarity Rank: 30
    Jeff Davis Bancshares
    Similarity Rank: 312
    DSLD MORTGAGE, LLC
    Similarity Rank: 364
    Renasant Bank
    Similarity Rank: 924
    Red River Bank
    Similarity Rank: 1080
    Sabine State Bank and Trust Company
    Similarity Rank: 1140
    TIB The Independent Bankersbank
    Similarity Rank: 1545
    EUSTIS AND AMERICAN MORTGAGE COMPANY
    Similarity Rank: 1890
    Hancock Whitney Bank
    Similarity Rank: 2100
    Iberiabank
    Similarity Rank: 3672

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 344 $48,710,000 $141,599 $4,498 5.14%
    USDA 53 $6,805,000 $128,396 $5,902 4.26%
    FHA 40 $6,280,000 $157,000 $6,233 4.16%
    VA 11 $2,465,000 $224,091 $6,157 3.86%

    For 2019, Sabine State Bank And Trust Company's most frequently originated type of loan was Conventional, with 344 originations. Their 2nd most popular type was USDA, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 313 $45,935,000 $146,757 $5,257 4.90%
    Refi 62 $10,150,000 $163,710 $4,598 5.05%
    Cash Out Refi 47 $6,655,000 $141,596 $4,418 4.51%
    Home Improvement 18 $980,000 $54,444 $2,642 5.82%
    Other 8 $540,000 $67,500 $3,227 5.00%

    For 2019, Sabine State Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 313 originations. The 2nd most popular reason was Refi, with 62 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 276 $44,330,000 $160,616 $5,300 4.49%
    3 Year 85 $10,245,000 $120,529 $0 6.50%
    15 Year 37 $3,965,000 $107,162 $4,198 4.26%
    20 Year 15 $1,815,000 $121,000 $3,667 4.90%
    10 Year 12 $520,000 $43,333 $3,006 4.55%
    Other 11 $1,125,000 $102,273 $3,616 4.82%
    5 Year 10 $1,330,000 $133,000 $2,778 5.89%
    1 Year 2 $930,000 $465,000 $0 6.50%

    For 2019, Sabine State Bank And Trust Company's most frequently cited loan duration was 30 Year, with 276 originations. The 2nd most popular length was 3 Year, with 85 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 126 $11,160,000 $88,571
    $<1k 105 $14,575,000 $138,810
    $2k-3k 81 $14,335,000 $176,975
    $3k-4k 21 $5,835,000 $277,857
    $4k-5k 8 $2,770,000 $346,250
    $5k+ 5 $2,185,000 $437,000

    Sabine State Bank And Trust Company's average total fees were $5,300, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 126 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 177 $25,485,000 $143,983
    3-4% 112 $17,080,000 $152,500
    6-7% 86 $10,940,000 $127,209
    5-6% 62 $10,050,000 $162,097
    7-8% 10 $650,000 $65,000
    2.5-3% 1 $55,000 $55,000

    During 2019, Sabine State Bank And Trust Company's average interest rate for loans was 4.49%, while their most frequently originated rate bucket for loans was 4-5%, with 177 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 180 $25,430,000 $141,278 $4,877 4.78%
    $100,000 or less 175 $11,355,000 $64,886 $3,785 5.17%
    $200k-400k 83 $22,085,000 $266,084 $6,757 4.63%
    $400k-600k 7 $3,335,000 $476,429 $9,192 4.93%
    $600k-1MM 3 $2,055,000 $685,000 $0 6.33%

    2019 saw Sabine State Bank And Trust Company place emphasis on $100k-200k loans with 180 originations, totaling $25,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 111 $9,925,000 $89,414 $4,481 4.62%
    $50k-75k 95 $12,055,000 $126,895 $5,009 4.81%
    $100k-150k 75 $12,985,000 $173,133 $5,313 4.79%
    $75k-100k 55 $8,625,000 $156,818 $5,461 4.85%
    $150k-250k 43 $8,065,000 $187,558 $5,016 4.97%
    $250k+ 12 $2,620,000 $218,333 $6,274 4.96%

    Sabine State Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 111 originations. The second most popular income band? $50k-75k, with 95 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 79 $11,465,000 $145,127 $5,005 4.68%
    20-30% 70 $9,220,000 $131,714 $4,478 4.54%
    <20% 34 $3,220,000 $94,706 $4,152 4.69%
    39% 22 $2,820,000 $128,182 $5,941 4.61%
    38% 20 $3,220,000 $161,000 $5,178 4.53%
    43% 16 $2,850,000 $178,125 $6,081 4.34%
    40% 15 $2,175,000 $145,000 $5,303 4.28%
    42% 14 $2,350,000 $167,857 $4,983 4.43%
    37% 14 $2,550,000 $182,143 $5,390 4.54%
    36% 13 $1,605,000 $123,462 $4,705 4.76%
    41% 13 $1,735,000 $133,462 $4,755 4.44%
    47% 11 $1,915,000 $174,091 $4,959 4.64%
    44% 11 $2,265,000 $205,909 $5,679 4.57%
    49% 10 $1,780,000 $178,000 $5,720 4.44%
    45% 9 $1,175,000 $130,556 $4,818 4.49%
    48% 9 $1,655,000 $183,889 $4,907 4.33%
    50-60% 9 $975,000 $108,333 $5,236 6.00%
    46% 3 $175,000 $58,333 $4,013 4.54%
    >60% 2 $210,000 $105,000 $4,254 6.88%

    Sabine State Bank And Trust Company lent most frequently to those with DTI ratios of 30-36%, with 79 originations. The next most common DTI ratio? 20-30%, with 70 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 373 $51,735,000 $138,700 $4,922 4.75%
    Not applicable 43 $7,725,000 $179,651 $0 6.42%
    Black 16 $2,420,000 $151,250 $6,151 4.69%
    Not provided 6 $1,280,000 $213,333 $5,532 4.83%
    American Indian 8 $820,000 $102,500 $4,137 5.06%
    Native Hawaiian or Islander 1 $165,000 $165,000 $0 6.25%
    Asian 1 $115,000 $115,000 $5,380 4.88%

    Approval Rates

    Total approvals of all applications
    86.66%

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

    Pick Rate

    Approvals leading to origination
    82.59%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 448 $64,260,000 $143,438

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 4 $1,210,000 $302,500
    Multifamily:Site-Built 8 $2,190,000 $273,750
    Single Family (1-4 Units):Manufactured 100 $10,530,000 $105,300
    Single Family (1-4 Units):Site-Built 336 $50,330,000 $149,792

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 19 $1,815,000 $95,526 $3,172 5.24%
    40-60% 49 $5,855,000 $119,490 $3,619 5.13%
    60-80% 113 $15,065,000 $133,319 $4,467 5.11%
    80-100% 257 $39,605,000 $154,105 $5,382 4.74%
    Over 100% 3 $675,000 $225,000 $9,201 4.08%
    Under 20% 7 $1,245,000 $177,857 $3,408 6.29%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    SFMC L.P. Conventional home 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 $12,237
    Sabine State Bank and Trust Company 1125 7th Street Glenmora, LA 71433 Full Service B&M $16,275
    Sabine State Bank and Trust Company 11479 Hwy 190 Merryville, LA 70653 Full Service B&M $3,975
    Sabine State Bank and Trust Company 115 North Front Street Converse, LA 71419 Full Service B&M $9,170
    Sabine State Bank and Trust Company 12020 Texas Highway Many, LA 71449 Full Service B&M $12,506
    Sabine State Bank and Trust Company 121 University Parkway Leesville, LA 71446 Full Service B&M $49,012
    Sabine State Bank and Trust Company 1309 E. Carroll Street Coushatta, LA 71019 Full Service B&M $9,026
    Sabine State Bank and Trust Company 1340 Boone St Leesville, LA 71446 Full Service B&M $103
    Sabine State Bank and Trust Company 1377 Fourth Street Saline, LA 71070 Full Service B&M $6,016
    Sabine State Bank and Trust Company 1527 North Pine Street De Ridder, LA 70634 Full Service B&M $9,966
    Sabine State Bank and Trust Company 1717 Hwy 71 Lecompte, LA 71346 Full Service B&M $5,782
    Sabine State Bank and Trust Company 1869 U.S. Highway 71 Montgomery, LA 71454 Full Service B&M $3,018
    Sabine State Bank and Trust Company 1900 Maplewood Drive Sulphur, LA 70663 Full Service B&M $3,241
    Sabine State Bank and Trust Company 1927 Highway 121 Hineston, LA 71438 Full Service B&M $11,625
    Sabine State Bank and Trust Company 1970 West Main Street Pleasant Hills, LA 71065 Full Service B&M $5,959
    Sabine State Bank and Trust Company 203 Ansley Boulevard Alexandria, LA 71303 Full Service B&M $9,824
    Sabine State Bank and Trust Company 205 Hurst Street Center, TX 75935 Full Service B&M $15,159
    Sabine State Bank and Trust Company 2087 Obrie Street Zwolle, LA 71486 Full Service B&M $21,590
    Sabine State Bank and Trust Company 215 Pershing Highway Jonesboro, LA 71251 Full Service B&M $6,984
    Sabine State Bank and Trust Company 2335 Mill Street Ringgold, LA 71068 Full Service B&M $4,706
    Sabine State Bank and Trust Company 2704 Holloway Prairie Pineville, LA 71360 Full Service B&M $6,620
    Sabine State Bank and Trust Company 297 Elizabeth Street Many, LA 71449 Full Service B&M $247,722
    Sabine State Bank and Trust Company 300 Second Street Colfax, LA 71417 Full Service B&M $2,379
    Sabine State Bank and Trust Company 306 Walnut Street Bunkie, LA 71322 Full Service B&M $23,799
    Sabine State Bank and Trust Company 314 Main Street Logansport, LA 71049 Full Service B&M $1,105
    Sabine State Bank and Trust Company 395 East First Street Deridder, LA 70634 Full Service B&M $5,175
    Sabine State Bank and Trust Company 401 East Fifth Avenue Oakdale, LA 71463 Full Service B&M $20,682
    Sabine State Bank and Trust Company 401 West Court Street Winnfield, LA 71483 Full Service B&M $6,053
    Sabine State Bank and Trust Company 4121 Nelson Road Lake Charles, LA 70605 Full Service B&M $3,257
    Sabine State Bank and Trust Company 425 Sabine Street Hemphill, TX 75948 Full Service B&M $10,698
    Sabine State Bank and Trust Company 4716 Jackson Street Alexandria, LA 71303 Full Service B&M $24,758
    Sabine State Bank and Trust Company 4725 Hwy 112 Forest Hill, LA 71430 Full Service B&M $3,492
    Sabine State Bank and Trust Company 483 State Highway 63 East Burkeville, TX 75932 Full Service B&M $2,549
    Sabine State Bank and Trust Company 506 East 4th Street Dequincy, LA 70633 Full Service B&M $14,518
    Sabine State Bank and Trust Company 516 Main Street Mamou, LA 70554 Full Service B&M $11,947
    Sabine State Bank and Trust Company 565 East Gibson Street Jasper, TX 75951 Full Service B&M $6,776
    Sabine State Bank and Trust Company 9900 Highway 87 South Hemphill, TX 75948 Full Service B&M $997
    Sabine State Bank and Trust Company 5769 Highway 1 Bypass Natchitoches, LA 71457 Full Service B&M $22,294
    Sabine State Bank and Trust Company 5917 Highway 167 Winnfield, LA 71483 Full Service B&M $46,272
    Sabine State Bank and Trust Company 601 Polk Street Mansfield, LA 71052 Full Service B&M $23,527
    Sabine State Bank and Trust Company 603 Front Street Cheneyville, LA 71325 Full Service B&M $5,999
    Sabine State Bank and Trust Company 620 Nolan Trace Florien, LA 71429 Full Service B&M $11,418
    Sabine State Bank and Trust Company 6206 Monroe Hwy Ball, LA 71405 Full Service B&M $1,136
    Sabine State Bank and Trust Company 645 West Oak Street Jena, LA 71342 Full Service B&M $9,358
    Sabine State Bank and Trust Company 6669 Tannehill Drive Urania, LA 71480 Full Service B&M $1,408
    Sabine State Bank and Trust Company 710 San Antonio Avenue Many, LA 71449 Full Service B&M $7
    Sabine State Bank and Trust Company 737 Keyser Avenue Natchitoches, LA 71457 Full Service B&M $103,974
    Sabine State Bank and Trust Company 765 North Shreveport Highway Many, LA 71449 Full Service Retail $4,774
    Sabine State Bank and Trust Company 780 Front Street, Suite 103 Natchitoches, LA 71457 Full Service B&M $1,126
    Sabine State Bank and Trust Company 806 Main Street Hackberry, LA 70645 Full Service B&M $6,994
    Sabine State Bank and Trust Company 9048 Texas Street Robeline, LA 71469 Full Service B&M $1,589
    Sabine State Bank and Trust Company Corner Of Montana & Colorado Avenues Fort Polk, LA 71459 Full Service B&M $8,057

    For 2019, Sabine State Bank And Trust Company had 52 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $46,448
    Net interest income $40,874
    Total noninterest income $12,840
    Gross Fiduciary activities income $9
    Service charges on deposit accounts $6,178
    Trading account gains and fees $0
    Additional Noninterest Income $6,653
    Pre-tax net operating income $17,172
    Securities gains (or losses, -) $1
    Income before extraordinary items $17,173
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $17,173
    Minority interest net income $0
    Net income $17,173
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $17,172

    Sabine State Bank And Trust Company's gross interest income from loans was $46,448,000.
    Sabine State Bank And Trust Company's net interest income from loans was $40,874,000.
    Sabine State Bank And Trust Company's fee based income from loans was $6,178,000.
    Sabine State Bank And Trust Company's net income from loans was $17,173,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,574
    Provision for credit losses $595
    Total noninterest expense $35,947
    Salaries and employee benefits $20,731
    Premises and equipment expense $4,923
    Additional noninterest expense $10,293
    Applicable income taxes $0
    Net charge-offs $685
    Cash dividends $11,896

    Sabine State Bank And Trust Company's interest expense for loans was $5,574,000.
    Sabine State Bank And Trust Company's payroll and benefits expense were $20,731,000.
    Sabine State Bank And Trust Company's property, plant and equipment expenses $4,923,000.

    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 3.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $841,348
    Deposits held in domestic offices $841,348
    Deposits by Individuals, partnerships, and corporations $644,647
    Deposits by U.S. Government $104
    Deposits by States and political subdivisions in the U.S. $196,347
    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 $52,075
    Demand deposits $51,623
    Nontransaction accounts $789,273
    Money market deposit accounts (MMDAs) $87,080
    Other savings deposits (excluding MMDAs) $620,434
    Total time deposits $81,757
    Total time and savings deposits $789,725
    Noninterest-bearing deposits $51,623
    Interest-bearing deposits $789,725
    Retail deposits $819,027
    IRAs and Keogh plan accounts $9,480
    Brokered deposits $2,171
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $953,666
    Cash & Balances due from depository institutions $84,455
    Interest-bearing balances $61,249
    Total securities $91,842
    Federal funds sold & reverse repurchase $0
    Net loans and leases $737,628
    Loan and leases loss allowance $6,169
    Trading account assets $0
    Bank premises and fixed assets $23,511
    Other real estate owned $3,107
    Goodwill and other intangibles $3,890
    All other assets $9,233

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $953,666
    Total Liabilities $856,872
    Total deposits $841,348
    Interest-bearing deposits $789,725
    Deposits held in domestic offices $841,348
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $4,105
    Trading liabilities $0
    Other borrowed funds $8,261
    Subordinated debt $0
    All other liabilities $3,158

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $737,628
    Loan and leases loss allowance $6,169
    Total loans and leases (domestic) $743,797
    All real estate loans $555,359
    Real estate loans in domestic offices $555,359
    Construction and development loans $55,975
    Residential 1-4 family construction $10,293
    Other construction, all land development and other land $45,682
    Loans secured by nonfarm nonresidential properties $308,216
    Nonfarm nonresidential secured by owner-occupied properties $184,722
    Commercial real estate & other non-farm, non-residential $123,494
    Multifamily residential real estate $7,340
    1-4 family residential loans $102,905
    Farmland loans $80,923
    Loans held in foreign offices $0
    Farm loans $58,062
    Commercial and industrial loans $108,714
    To non-U.S. addressees $0
    Loans to individuals $16,891
    Credit card loans $1,298
    Related Plans $1,141
    Consumer Auto Loans $3,404
    Other loans to individuals $11,048
    All other loans & leases $4,771
    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 $1,621
    Non 1-4 family restructured loans & leases $1,251
    Total loans and leases (foreign) $0

    Sabine State Bank and Trust Company had $737,628,000 of loans outstanding in 2019. $555,359,000 of loans were in real estate loans. $55,975,000 of loans were in development loans. $7,340,000 of loans were in multifamily mortgage loans. $102,905,000 of loans were in 1-4 family mortgage loans. $58,062,000 of loans were in farm loans. $1,298,000 of loans were in credit card loans. $3,404,000 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 $81,947 $197,940
    Nonfarm, nonresidential loans - <$100k 130 $4,998 $38,446
    Nonfarm, nonresidential loans - $100-250k 125 $16,835 $134,680
    Nonfarm, nonresidential loans - $250k-1MM 159 $60,114 $378,075
    Commercial & Industrial, US addressed loans - <$1MM 1,815 $53,904 $29,699
    Commercial & Industrial, US addressed loans - <$100k 1,653 $25,031 $15,143
    Commercial & Industrial, US addressed loans - $100-250k 97 $9,622 $99,196
    Commercial & Industrial, US addressed loans - $250k-1MM 65 $19,251 $296,169
    Farmland loans - <$1MM 166 $18,873 $113,693
    Farmland loans - <$100k 69 $3,278 $47,507
    Farmland loans - $100-250k 62 $7,417 $119,629
    Farmland loans - $250k-1MM 35 $8,178 $233,657
    Agriculture operations loans - <$1MM 475 $29,411 $61,918
    Agriculture operations loans - <$100k 299 $7,232 $24,187
    Agriculture operations loans - $100-250k 115 $11,873 $103,243
    Agriculture operations loans - $250k-1MM 61 $10,306 $168,951