Side-by-side · Q2 2026 data
Sabine State Bank and Trust Company vs First American Bank and Trust
Metric by metric
| Measure | Sabine State Bank and Trust Company | First American Bank and Trust |
|---|---|---|
| TellerScore | 52 | 73 (stronger) |
| Capital cushion | 33 | 88 (stronger) |
| Loan quality | 45 | 57 (stronger) |
| Earnings | 90 (stronger) | 65 |
| Funding & liquidity | 47 | 72 (stronger) |
| Problem-loan coverage | 60 | 87 (stronger) |
| Peer percentile | 9th | 70th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 8.28% | 13.81% (stronger) |
| Problem loans | 1.66% | 1.28% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.32% |
| Return on assets | 1.74% (stronger) | 1.11% |
| Loans ÷ deposits | 88.7% | 69.5% (stronger) |
| Uninsured deposits | 36.9% | 32.1% (stronger) |
| Offices | 51 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.0% |
First American Bank and Trust has the higher TellerScore (73 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sabine State Bank and Trust Company leads on 2 and First American Bank and Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.