Southside Bank
Total assets
$8.76B
▲ +5.1% YoY
Deposits
$6.17B
▼ -7.0% YoY
Loans
$4.90B
▲ +7.6% YoY
Offices
58
SOUTHSIDE BANCSHARES INC
ROA (annualized)
1.35%
peers 1.26%
ROE (annualized)
10.98%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Southside Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +5.5% | -0.4 pts |
| Deposit growth (YoY) | -7.0% | +5.1% | -12.1 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.7 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 11.0% | 12.2% | -1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 1960
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SOUTHSIDE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 1201 S Beckham Ave, Tyler, TX, 75701
- County
- Smith
- Metro area
- Tyler, TX
- Offices
- 58
- FDIC cert #
- 18297
- RSSD ID
- 361167
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.76B | $6.17B | $4.90B | $1.08B | $58.5M | 1.35% | 3.09% | 0.11% |
| Q1 2026 | $8.80B | $6.88B | $4.90B | $1.05B | $28.2M | 1.30% | 3.13% | 0.11% |
| Q4 2025 | $8.51B | $6.94B | $4.77B | $1.06B | $81.6M | 0.97% | 3.04% | 0.13% |
| Q3 2025 | $8.38B | $7.07B | $4.72B | $1.03B | $56.0M | 0.89% | 2.98% | 0.10% |
| Q2 2025 | $8.33B | $6.64B | $4.56B | $948.4M | $47.8M | 1.14% | 2.93% | 0.06% |
| Q1 2025 | $8.34B | $6.62B | $4.52B | $933.6M | $23.8M | 1.13% | 2.90% | 0.06% |
| Q4 2024 | $8.51B | $6.67B | $4.62B | $940.9M | $97.4M | 1.16% | 2.94% | 0.04% |
| Q3 2024 | $8.36B | $6.45B | $4.53B | $942.5M | $73.4M | 1.17% | 2.96% | 0.09% |
Loan mix (Q2 2026): real estate $4.09B · commercial $423.7M · consumer $36.2M · securities $2.79B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Southside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 59.0% | 25th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Southside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Southside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Southside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Southside Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Woodforest National BankThe Woodlands, TX · $8.98B
- TBK BANK, SSBDallas, TX · $7.40B
- Third Coast BankHumble, TX · $6.73B
- The American National Bank of TexasTerrell, TX · $5.51B
- Broadway National BankSan Antonio, TX · $5.42B
- City BankLubbock, TX · $5.39B
Selling to Southside Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.