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

Review & Overview

Sabine State Bank And Trust Company is a smaller bank specializing in Home Purchase and Refi loans. Sabine State Bank And Trust Company has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Lake Charles, Alexandria, Fort Polk South, Natchitoches, and Deridder among others. We have data for 27 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	7.03%	11/21/24
30 Year Conventional Refi	6.53%	11/21/24
30 Year Cash-out Refi	7.23%	11/21/24
30 Year FHA Purchase	7.19%	11/21/24
30 Year FHA Refi	7.74%	11/21/24
30 Year VA Purchase	6.10%	11/21/24
30 Year VA Refi	6.27%	11/21/24
30 Year USDA Purchase	6.80%	11/21/24
15 Year Conventional Purchase	6.49%	11/21/24
15 Year Conventional Refi	6.01%	11/21/24
15 Year Cash-out Refi	6.01%	11/21/24
15 Year VA Purchase	5.68%	11/21/24
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

Purchase Price:

Loan Amount:

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% Deposit:

Interest Rate:

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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

747

Origination Dollar Volume (All Markets)

$174,675,000

Employee count

355

Awards

Sabine State Bank and Trust Company USDA Loans gold

Show all (1) awards

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
LAKE CHARLES, LA (FHA\|USDA\|VA)	31	$49,725,000	$1,604,032	$4,874	3.62%
Outside of Metro Areas	323	$49,445,000	$153,080	$4,761	3.39%
ALEXANDRIA, LA (FHA\|USDA\|VA)	133	$22,585,000	$169,812	$4,881	3.07%
Fort Polk South, LA (FHA\|USDA\|VA)	91	$22,215,000	$244,121	$4,547	3.59%
Natchitoches, LA (FHA\|USDA\|VA)	62	$10,340,000	$166,774	$4,895	3.19%
DeRidder, LA (FHA\|USDA\|VA)	45	$7,475,000	$166,111	$4,079	3.68%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	20	$4,370,000	$218,500	$5,727	3.16%
LAFAYETTE, LA (FHA\|USDA\|VA)	6	$1,260,000	$210,000	$4,441	3.27%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	4	$1,160,000	$290,000	$5,390	2.72%
Opelousas, LA (FHA\|USDA\|VA)	3	$875,000	$291,667	$7,171	2.79%
BATON ROUGE, LA (FHA\|USDA\|VA)	3	$735,000	$245,000	$4,978	3.50%
Lufkin, TX (FHA\|USDA\|VA)	4	$630,000	$157,500	$6,099	3.63%
MONROE, LA (FHA\|USDA\|VA)	1	$505,000	$505,000	$9,665	2.63%
Ruston, LA (FHA\|USDA\|VA)	3	$475,000	$158,333	$4,408	3.63%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	2	$440,000	$220,000	$5,436	3.00%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	3	$435,000	$145,000	$4,687	4.08%
LONGVIEW, TX (FHA\|USDA\|VA)	2	$380,000	$190,000	$6,505	2.94%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	1	$305,000	$305,000	$6,992	3.00%
Nacogdoches, TX (FHA\|USDA\|VA)	2	$280,000	$140,000	$6,199	3.13%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$4,017	2.75%
TULSA, OK (FHA\|USDA\|VA)	1	$215,000	$215,000	$6,161	2.75%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,050	2.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	5.25%
Natchez, MS-LA (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,591	2.50%
Minden, LA (FHA\|USDA\|VA)	1	$75,000	$75,000	$3,222	2.88%
TEXARKANA, TX-AR (FHA\|USDA\|VA)	1	$65,000	$65,000	$3,305	2.88%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	1	$55,000	$55,000	$3,215	4.13%

Sabine State Bank And Trust Company's top markets include Lake Charles, Alexandria, Fort Polk South, Natchitoches, and Deridder among others.

Their top states include:

Louisiana (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Oklahoma (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Florida (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.

DSLD MORTGAGE, LLC
Similarity Rank: 220

The Evangeline Bank & Trust Company
Similarity Rank: 256

BARKSDALE
Similarity Rank: 270

La Capitol Federal Credit Union
Similarity Rank: 323

Jeff Davis Bancshares
Similarity Rank: 495

STANDARD MORTGAGE CORPORATION
Similarity Rank: 603

Red River Bank
Similarity Rank: 1458

Renasant Bank
Similarity Rank: 1740

Sabine State Bank and Trust Company
Similarity Rank: 1863

TIB The Independent Bankersbank
Similarity Rank: 1881

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	650	$159,520,000	$245,415	$4,521	3.39%
USDA	60	$8,050,000	$134,167	$5,876	3.17%
FHA	27	$4,815,000	$178,333	$7,139	3.12%
VA	10	$2,290,000	$229,000	$6,888	3.06%

For 2020, Sabine State Bank And Trust Company's most frequently originated type of loan was Conventional, with 650 originations. Their 2nd most popular type was USDA, with 60 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	332	$54,070,000	$162,861	$5,482	3.65%
Refi	272	$97,470,000	$358,346	$4,435	3.10%
Cash Out Refi	121	$21,065,000	$174,091	$4,284	3.06%
Home Improvement	12	$970,000	$80,833	$3,979	4.00%
Other	10	$1,100,000	$110,000	$3,462	3.46%

For 2020, Sabine State Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 332 originations. The 2nd most popular reason was Refi, with 272 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	376	$119,720,000	$318,404	$5,243	3.27%
15 Year	198	$29,490,000	$148,939	$4,087	2.88%
20 Year	98	$13,140,000	$134,082	$4,198	4.32%
Other	36	$8,400,000	$233,333	$5,247	3.48%
10 Year	28	$3,060,000	$109,286	$3,771	3.32%
5 Year	5	$245,000	$49,000	$0	5.70%
3 Year	4	$300,000	$75,000	$0	6.25%
1 Year	2	$320,000	$160,000	$0	5.00%

For 2020, Sabine State Bank And Trust Company's most frequently cited loan duration was 30 Year, with 376 originations. The 2nd most popular length was 15 Year, with 198 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	178	$17,010,000	$95,562
$<1k	169	$32,255,000	$190,858
$2k-3k	169	$30,015,000	$177,604
$3k-4k	75	$20,875,000	$278,333
$4k-5k	18	$6,510,000	$361,667
$5k+	9	$3,765,000	$418,333

Sabine State Bank And Trust Company's average total fees were $5,243, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 178 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	270	$48,140,000	$178,296
3-4%	213	$59,495,000	$279,319
<2.5%	115	$19,465,000	$169,261
4-5%	89	$41,955,000	$471,404
5-6%	47	$4,875,000	$103,723
6-7%	11	$675,000	$61,364
7-8%	1	$25,000	$25,000
Over 8%	1	$45,000	$45,000

During 2020, Sabine State Bank And Trust Company's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 2.5-3%, with 270 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	325	$47,305,000	$145,554	$4,621	3.24%
$100,000 or less	201	$13,825,000	$68,781	$3,686	3.73%
$200k-400k	196	$52,610,000	$268,418	$5,630	3.14%
$400k-600k	16	$7,520,000	$470,000	$7,761	2.96%
$1MM+	5	$50,175,000	$10,035,000	$11,529	4.30%
$600k-1MM	4	$3,240,000	$810,000	$5,083	4.63%

2020 saw Sabine State Bank And Trust Company place emphasis on $100k-200k loans with 325 originations, totaling $47,305,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	164	$30,150,000	$183,841	$4,855	3.28%
$50k-75k	139	$18,575,000	$133,633	$4,719	3.35%
$50k or less	123	$13,755,000	$111,829	$4,312	3.30%
$75k-100k	122	$20,920,000	$171,475	$5,051	3.22%
$150k-250k	92	$21,030,000	$228,587	$5,282	3.19%
$250k+	29	$8,925,000	$307,759	$6,418	3.70%

Sabine State Bank And Trust Company lent most frequently to those with incomes in the $100k-150k range, with 164 originations. The second most popular income band? $50k-75k, with 139 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	166	$28,210,000	$169,940	$4,438	3.02%
30-36%	146	$25,720,000	$176,164	$4,887	3.10%
<20%	82	$11,470,000	$139,878	$4,237	2.99%
39%	29	$5,175,000	$178,448	$4,935	3.39%
36%	28	$5,190,000	$185,357	$5,402	3.15%
38%	28	$4,930,000	$176,071	$4,632	3.42%
44%	23	$4,025,000	$175,000	$5,088	3.07%
40%	22	$3,690,000	$167,727	$5,567	3.12%
37%	22	$4,040,000	$183,636	$5,410	3.03%
42%	21	$3,915,000	$186,429	$4,868	3.23%
41%	17	$3,105,000	$182,647	$5,595	3.31%
43%	16	$2,490,000	$155,625	$4,726	2.98%
45%	12	$1,540,000	$128,333	$4,788	3.40%
46%	11	$2,295,000	$208,636	$5,973	3.15%
49%	10	$2,260,000	$226,000	$5,368	3.30%
48%	8	$1,400,000	$175,000	$4,463	2.88%
47%	6	$1,250,000	$208,333	$5,378	2.79%
50-60%	5	$515,000	$103,000	$0	5.27%
>60%	2	$870,000	$435,000	$0	5.38%

Sabine State Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 166 originations. The next most common DTI ratio? 30-36%, with 146 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	639	$109,715,000	$171,698	$4,768	3.27%
Not applicable	48	$55,410,000	$1,154,375	$0	4.66%
Black	35	$5,135,000	$146,714	$4,849	3.21%
Not provided	15	$2,405,000	$160,333	$5,303	3.26%
Asian	6	$1,150,000	$191,667	$5,869	3.13%
American Indian	4	$860,000	$215,000	$6,573	2.94%

Approval Rates

Total approvals of all applications
89.88%

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

Pick Rate

Approvals leading to origination
81.12%

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

Points and Fees

Points	Originations	Total Value	Average Loan
NA	747	$174,675,000	$233,835

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	4	$41,810,000	$10,452,500
Multifamily:Site-Built	8	$9,620,000	$1,202,500
Single Family (1-4 Units):Manufactured	126	$13,170,000	$104,524
Single Family (1-4 Units):Site-Built	609	$110,075,000	$180,747

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	32	$45,170,000	$1,411,563	$3,500	3.51%
40-60%	88	$18,870,000	$214,432	$4,263	3.15%
60-80%	289	$53,105,000	$183,754	$4,484	3.31%
80-100%	317	$55,275,000	$174,369	$5,308	3.41%
Over 100%	8	$1,440,000	$180,000	$6,415	3.14%
Under 20%	13	$815,000	$62,692	$3,158	4.04%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
SFMC L.P.	FHA mortgage	Trouble during payment process	3	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Sabine State Bank and Trust Company	12020 Texas Highway Many, LA 71449	Full Service B&M	$14,310
Sabine State Bank and Trust Company	2335 Mill Street Ringgold, LA 71068	Full Service B&M	$4,926
Sabine State Bank and Trust Company	110 East Fifth Street Oberlin, LA 70655	Full Service B&M	$12,883
Sabine State Bank and Trust Company	425 Sabine Street Hemphill, TX 75948	Full Service B&M	$12,752
Sabine State Bank and Trust Company	737 Keyser Avenue Natchitoches, LA 71457	Full Service B&M	$113,953
Sabine State Bank and Trust Company	765 North Shreveport Highway Many, LA 71449	Full Service Retail	$5,697
Sabine State Bank and Trust Company	1125 7th Street Glenmora, LA 71433	Full Service B&M	$17,323
Sabine State Bank and Trust Company	11479 Hwy 190 Merryville, LA 70653	Full Service B&M	$4,224
Sabine State Bank and Trust Company	115 North Front Street Converse, LA 71419	Full Service B&M	$10,525
Sabine State Bank and Trust Company	121 University Parkway Leesville, LA 71446	Full Service B&M	$60,865
Sabine State Bank and Trust Company	1309 E. Carroll Street Coushatta, LA 71019	Full Service B&M	$11,886
Sabine State Bank and Trust Company	1340 Boone St Leesville, LA 71446	Full Service B&M	$216
Sabine State Bank and Trust Company	1377 Fourth Street Saline, LA 71070	Full Service B&M	$5,953
Sabine State Bank and Trust Company	1527 North Pine Street De Ridder, LA 70634	Full Service B&M	$11,362
Sabine State Bank and Trust Company	1717 Hwy 71 Lecompte, LA 71346	Full Service B&M	$7,278
Sabine State Bank and Trust Company	1869 U.S. Highway 71 Montgomery, LA 71454	Full Service B&M	$2,249
Sabine State Bank and Trust Company	1900 Maplewood Drive Sulphur, LA 70663	Full Service B&M	$4,179
Sabine State Bank and Trust Company	1927 Highway 121 Hineston, LA 71438	Full Service B&M	$13,665
Sabine State Bank and Trust Company	1970 West Main Street Pleasant Hills, LA 71065	Full Service B&M	$6,493
Sabine State Bank and Trust Company	203 Ansley Boulevard Alexandria, LA 71303	Full Service B&M	$14,932
Sabine State Bank and Trust Company	205 Hurst Street Center, TX 75935	Full Service B&M	$12,752
Sabine State Bank and Trust Company	2087 Obrie Street Zwolle, LA 71486	Full Service B&M	$24,449
Sabine State Bank and Trust Company	215 Pershing Highway Jonesboro, LA 71251	Full Service B&M	$8,440
Sabine State Bank and Trust Company	2704 Holloway Prairie Pineville, LA 71360	Full Service B&M	$7,700
Sabine State Bank and Trust Company	297 Elizabeth Street Many, LA 71449	Full Service B&M	$270,088
Sabine State Bank and Trust Company	300 Second Street Colfax, LA 71417	Full Service B&M	$2,818
Sabine State Bank and Trust Company	306 Walnut Street Bunkie, LA 71322	Full Service B&M	$32,543
Sabine State Bank and Trust Company	314 Main Street Logansport, LA 71049	Full Service B&M	$1,491
Sabine State Bank and Trust Company	395 East First Street Deridder, LA 70634	Full Service B&M	$7,082
Sabine State Bank and Trust Company	401 East Fifth Avenue Oakdale, LA 71463	Full Service B&M	$25,788
Sabine State Bank and Trust Company	401 West Court Street Winnfield, LA 71483	Full Service B&M	$6,716
Sabine State Bank and Trust Company	4121 Nelson Road Lake Charles, LA 70605	Full Service B&M	$4,695
Sabine State Bank and Trust Company	4716 Jackson Street Alexandria, LA 71303	Full Service B&M	$32,299
Sabine State Bank and Trust Company	4725 Hwy 112 Forest Hill, LA 71430	Full Service B&M	$3,870
Sabine State Bank and Trust Company	483 State Highway 63 East Burkeville, TX 75932	Full Service B&M	$2,570
Sabine State Bank and Trust Company	506 East 4th Street Dequincy, LA 70633	Full Service B&M	$15,801
Sabine State Bank and Trust Company	516 Main Street Mamou, LA 70554	Full Service B&M	$13,539
Sabine State Bank and Trust Company	565 East Gibson Street Jasper, TX 75951	Full Service B&M	$8,915
Sabine State Bank and Trust Company	5769 Highway 1 Bypass Natchitoches, LA 71457	Full Service B&M	$33,078
Sabine State Bank and Trust Company	5917 Highway 167 Winnfield, LA 71483	Full Service B&M	$50,594
Sabine State Bank and Trust Company	601 Polk Street Mansfield, LA 71052	Full Service B&M	$26,930
Sabine State Bank and Trust Company	603 Front Street Cheneyville, LA 71325	Full Service B&M	$5,974
Sabine State Bank and Trust Company	620 Nolan Trace Florien, LA 71429	Full Service B&M	$12,794
Sabine State Bank and Trust Company	6206 Monroe Hwy Ball, LA 71405	Full Service B&M	$1,071
Sabine State Bank and Trust Company	645 West Oak Street Jena, LA 71342	Full Service B&M	$9,420
Sabine State Bank and Trust Company	6669 Tannehill Drive Urania, LA 71480	Full Service B&M	$1,665
Sabine State Bank and Trust Company	780 Front Street, Suite 103 Natchitoches, LA 71457	Full Service B&M	$1,185
Sabine State Bank and Trust Company	806 Main Street Hackberry, LA 70645	Full Service B&M	$6,408
Sabine State Bank and Trust Company	9048 Texas Street Robeline, LA 71469	Full Service B&M	$1,599
Sabine State Bank and Trust Company	9900 Highway 87 South Hemphill, TX 75948	Full Service B&M	$1,373
Sabine State Bank and Trust Company	Corner Of Montana & Colorado Avenues Fort Polk, LA 71459	Full Service B&M	$8,129

For 2020, Sabine State Bank And Trust Company had 51 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$40,257
Net interest income	$37,841
Total noninterest income	$14,058
Gross Fiduciary activities income	$9
Service charges on deposit accounts	$5,310
Trading account gains and fees	$0
Additional Noninterest Income	$8,739
Pre-tax net operating income	$10,998
Securities gains (or losses, -)	$0
Income before extraordinary items	$10,998
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$10,998
Minority interest net income	$0
Net income	$10,998
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$10,998

Sabine State Bank And Trust Company's gross interest income from loans was $40,257,000.
Sabine State Bank And Trust Company's net interest income from loans was $37,841,000.
Sabine State Bank And Trust Company's fee based income from loans was $5,310,000.
Sabine State Bank And Trust Company's net income from loans was $10,998,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$2,416
Provision for credit losses	$4,486
Total noninterest expense	$36,415
Salaries and employee benefits	$20,288
Premises and equipment expense	$4,799
Additional noninterest expense	$11,328
Applicable income taxes	$0
Net charge-offs	$1,104
Cash dividends	$112

Sabine State Bank And Trust Company's interest expense for loans was $2,416,000.
Sabine State Bank And Trust Company's payroll and benefits expense were $20,288,000.
Sabine State Bank And Trust Company's property, plant and equipment expenses $4,799,000.

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	1.0%
HELOC loans	0.0%
All other family	1.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	4.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,033,490
Deposits held in domestic offices	$1,033,490
Deposits by Individuals, partnerships, and corporations	$843,705
Deposits by U.S. Government	$393
Deposits by States and political subdivisions in the U.S.	$189,142
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	$76,102
Demand deposits	$74,291
Nontransaction accounts	$957,388
Money market deposit accounts (MMDAs)	$95,679
Other savings deposits (excluding MMDAs)	$794,388
Total time deposits	$67,321
Total time and savings deposits	$959,199
Noninterest-bearing deposits	$74,291
Interest-bearing deposits	$959,199
Retail deposits	$1,021,060
IRAs and Keogh plan accounts	$9,343
Brokered deposits	$152
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,161,643
Cash & Balances due from depository institutions	$333,804
Interest-bearing balances	$308,897
Total securities	$84,241
Federal funds sold & reverse repurchase	$0
Net loans and leases	$706,543
Loan and leases loss allowance	$9,551
Trading account assets	$0
Bank premises and fixed assets	$23,141
Other real estate owned	$2,325
Goodwill and other intangibles	$3,780
All other assets	$7,809

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,161,643
Total Liabilities	$1,049,661
Total deposits	$1,033,490
Interest-bearing deposits	$959,199
Deposits held in domestic offices	$1,033,490
% insured (estimated)	$62
Federal funds purchased and repurchase agreements	$6,264
Trading liabilities	$0
Other borrowed funds	$7,653
Subordinated debt	$0
All other liabilities	$2,254

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$706,543
Loan and leases loss allowance	$9,551
Total loans and leases (domestic)	$716,094
All real estate loans	$526,507
Real estate loans in domestic offices	$526,507
Construction and development loans	$44,732
Residential 1-4 family construction	$6,448
Other construction, all land development and other land	$38,284
Loans secured by nonfarm nonresidential properties	$301,777
Nonfarm nonresidential secured by owner-occupied properties	$179,481
Commercial real estate & other non-farm, non-residential	$122,296
Multifamily residential real estate	$4,717
1-4 family residential loans	$97,867
Farmland loans	$77,414
Loans held in foreign offices	$0
Farm loans	$50,883
Commercial and industrial loans	$119,614
To non-U.S. addressees	$0
Loans to individuals	$14,951
Credit card loans	$1,069
Related Plans	$704
Consumer Auto Loans	$2,695
Other loans to individuals	$10,483
All other loans & leases	$4,139
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	$555
Non 1-4 family restructured loans & leases	$555
Total loans and leases (foreign)	$0

Sabine State Bank and Trust Company had $706,543,000 of loans outstanding in 2020. $526,507,000 of loans were in real estate loans. $44,732,000 of loans were in development loans. $4,717,000 of loans were in multifamily mortgage loans. $97,867,000 of loans were in 1-4 family mortgage loans. $50,883,000 of loans were in farm loans. $1,069,000 of loans were in credit card loans. $2,695,000 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	393	$77,230	$196,514
Nonfarm, nonresidential loans - <$100k	115	$4,420	$38,435
Nonfarm, nonresidential loans - $100-250k	122	$15,937	$130,631
Nonfarm, nonresidential loans - $250k-1MM	156	$56,873	$364,571
Commercial & Industrial, US addressed loans - <$1MM	1,863	$65,834	$35,338
Commercial & Industrial, US addressed loans - <$100k	1,665	$29,640	$17,802
Commercial & Industrial, US addressed loans - $100-250k	134	$15,749	$117,530
Commercial & Industrial, US addressed loans - $250k-1MM	64	$20,445	$319,453
Farmland loans - <$1MM	168	$19,241	$114,530
Farmland loans - <$100k	68	$3,056	$44,941
Farmland loans - $100-250k	66	$8,285	$125,530
Farmland loans - $250k-1MM	34	$7,900	$232,353
Agriculture operations loans - <$1MM	455	$29,439	$64,701
Agriculture operations loans - <$100k	277	$6,862	$24,773
Agriculture operations loans - $100-250k	121	$12,319	$101,810
Agriculture operations loans - $250k-1MM	57	$10,258	$179,965