BlastPoint's Banking Scorecard
Sabine State Bank and Trust Company
Community
Specialty: Commercial
LA
FDIC cert 8141
Many, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Sabine State Bank and Trust Company has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 27% in Community
- + Return on Assets 1.25% above tier
- + Net Interest Margin 1.52% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11% in Community
- - Deposit Outflow: Bottom 18% in Community
- - Capital Constraint: Bottom 37% in Community
- - Margin Compression: Bottom 56% in Community
- - Non-Interest-Bearing Deposit Share 20.06% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-4.5% YoY
-0.9% QoQ
|
-$78.0M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$1.1B
+0.7% YoY
+0.6% QoQ
|
+$121.6M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.2B
-5.5% YoY
-0.8% QoQ
|
+$2.4M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
2.41%
-12.3% YoY
-3.4% QoQ
|
+1.25% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.18%
-1.8% YoY
-0.2% QoQ
|
+1.52% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
57.66%
+6.7% YoY
+1.4% QoQ
|
-4.97% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.70%
-27.3% YoY
-23.7% QoQ
|
+0.08% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
94.00%
+6.6% YoY
+1.3% QoQ
|
+10.94% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
0.98%
+4.7% YoY
-37.5% QoQ
|
-20.06% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.83%
-7.2% YoY
-14.2% QoQ
|
+0.33% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
12.56%
+0.5% YoY
-3.5% QoQ
|
+2.32% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
1.02%
-0.5% YoY
+34.2% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#100 of 371 · Top 27% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.02%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.41%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 4%
in Community
Why this stands out
Current:
2.41%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Community
Why this stands out
Current:
5.18%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (5)
Liquidity Strain
risk
#58 of 513 · Bottom 11% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.00%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#46 of 248 · Bottom 18% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Constraint
risk
#18 of 47 · Bottom 37% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
94.00%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.56%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Margin Compression
decline
#68 of 120 · Bottom 56% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.41%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.98%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Efficiency Ratio
Current: 57.66% · Tier avg: 62.63%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.00% · Tier avg: 83.06%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.98% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.98% · Tier avg: 21.05%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.50%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.00% · Tier avg: 83.06%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.56% · Tier avg: 10.24%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Efficiency Ratio
Current: 57.66% · Tier avg: 62.63%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.16%