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 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% 4/18/24
    30 Year Conventional Refi 6.53% 4/18/24
    30 Year Cash-out Refi 7.23% 4/18/24
    30 Year FHA Purchase 7.19% 4/18/24
    30 Year FHA Refi 7.74% 4/18/24
    30 Year VA Purchase 6.10% 4/18/24
    30 Year VA Refi 6.27% 4/18/24
    30 Year USDA Purchase 6.80% 4/18/24
    15 Year Conventional Purchase 6.49% 4/18/24
    15 Year Conventional Refi 6.01% 4/18/24
    15 Year Cash-out Refi 6.01% 4/18/24
    15 Year VA Purchase 5.68% 4/18/24
    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

    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