Compared with Louisiana
6 of 14
compared fees are above the median.
3 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
98th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Louisiana median
of 14 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Sabine State Bank and Trust Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sabine State Bank and Trust Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 8.6% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (98th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $1.6M in Q2 2026, 6.5% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 14 compared published fees sit above the Louisiana median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Louisiana medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $1.6M. Its share of revenue, 8.6%, is above the 2.2% median for banks with $1B to $10B in assets.
$1.6M
Sabine State Bank and Trust CompanyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Sabine State Bank and Trust Company · $1.3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sabine State Bank and Trust Company(this institution) | Many, LA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adams Bank & Trust | Ogallala, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Bank | Sulphur Springs, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central National Bank | Junction City, KS | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Bank | Santa Fe, NM | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Carolina National Bank | Myrtle Beach, SC | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Bank | Benton, KY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| County National Bank | Hillsdale, MI | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmers & Merchants Bank | Timberville, VA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Alabama | Talladega, AL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Eastpointe, MI | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fm Bank And Trust | Blytheville, AR | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Independence Bank | Havre, MT | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Liberty National Bank | Lawton, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Martha's Vineyard Bank | Edgartown, MA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merchants & Marine Bank | Pascagoula, MS | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Piedmont Federal Savings Bank | Winston Salem, NC | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pinnacle Bank - Wyoming | Cody, WY | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Plains Commerce Bank | Sioux Falls, SD | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SULLIVAN BANK | Sullivan, MO | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Security Bank | Dallas, TX | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg, OH | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ulster Savings Bank | Kingston, NY | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 19 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Sabine State Bank and Trust Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Sabine State Bank and Trust Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.6M | +$21K | +1.4% |
| Q1 2026 | $1.6M | −$132K | −7.8% |
| Q4 2025 | $1.7M | +$113K | +7.2% |
| Q3 2025 | $1.6M | +$94K | +6.4% |
| Q2 2025 | $1.5M | −$57K | −3.7% |
| Q1 2025 | $1.5M | −$53K | −3.3% |
| Q4 2024 | $1.6M | −$49K | −3.0% |
| Q3 2024 | $1.6M | +$125K | +8.3% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Sabine State Bank and Trust Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Sabine State Bank and Trust Company by share.
Amounts from Sabine State Bank and Trust Company’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/ Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Balancing of Statement Fee | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Charge | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Account Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM / Debit Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (International) | $75Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $7.50Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Personal Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Duplicate Checkbook Cover | $2Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | per item | None |
| ACH Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Stop Payment Charge | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee (Non-customer) (audience not stated, treated as personal) | 1% | Not stated | None |
| Collection Items (incoming) | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Items (outgoing) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Account Services | |||
| Legal Processes affecting your account (i.e., Garnishments, Citations, or other) | $25Below the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Other Fees | |||
| Document Copies (paper) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Fax Machine | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Sabine State Bank and Trust Company operates, and what regulators and customers have on file.
Branch footprint
51 offices in 2 states, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 33 | $1.0B |
| 11 | $120.7M | |
| 5 | $51.6M | |
| 2 | $30.9M |
Alexandria, LA
3.5% of bank deposits, #9 of 15, down 0.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Red River Bank | 44% |
| JPMorgan Chase Bank, National Association | 13.8% |
| The Evangeline Bank and Trust Company | 7.6% |
| First Federal Bank of Louisiana | 6.4% |
| Capital One, National Association | 5.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Alexandria, LA, Sabine State Bank and Trust Company holds 3.5% of bank deposits, #9 of 15, with 11 offices.
81 offices of 29 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 15 institutions shown. $3.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.5% share, 11 offices, #9 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
28 offices of 15 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.