Side-by-side · Q2 2026 data
Sabine State Bank and Trust Company vs Merchants & Farmers Bank & Trust Company
Metric by metric
| Measure | Sabine State Bank and Trust Company | Merchants & Farmers Bank & Trust Company |
|---|---|---|
| TellerScore | 52 | 70 (stronger) |
| Capital cushion | 33 | 62 (stronger) |
| Loan quality | 45 | 77 (stronger) |
| Earnings | 90 (stronger) | 57 |
| Funding & liquidity | 47 | 77 (stronger) |
| Problem-loan coverage | 60 | 93 (stronger) |
| Peer percentile | 9th | 43rd |
| Total assets | $1.3B | $541.4M |
| Deposits / shares | $1.2B | $486.0M |
| Capital ratio | 8.28% | 11.17% (stronger) |
| Problem loans | 1.66% | 0.70% (stronger) |
| Net charge-offs | 0.08% | 0.05% (stronger) |
| Return on assets | 1.74% (stronger) | 0.92% |
| Loans ÷ deposits | 88.7% | 55.1% (stronger) |
| Uninsured deposits | 36.9% | 36.0% (stronger) |
| Offices | 51 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
Merchants & Farmers Bank & Trust Company has the higher TellerScore (70 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sabine State Bank and Trust Company leads on 1 and Merchants & Farmers Bank & Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Leesville, LA
- Lake Charles, LA
- Sulphur, LA