SOUTHSIDE BANCSHARES INC

Listed Company

SBSICIK 0000705432NYSELarge AcceleratedState Commercial BanksTexasFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$69.22M

Total Assets

$8.51B

Equity

$847.62M

Shares Out

29.75M

Op. Cash Flow

$93.82M

SBSI$34.81+11.57% · past yearDBEQ Basic

Daily closing prices

Business

Southside Bancshares, Inc. is a bank holding company for Southside Bank, a Texas state bank offering consumer and commercial loans, deposit accounts, wealth management, trust and brokerage services. The company operates 53 branches across East Texas, Southeast Texas, Dallas-Fort Worth, Austin and Houston areas, with specialized services including residential and commercial lending, trust administration and investment management. Services are provided to individuals, businesses, municipal entities and nonprofit organizations through traditional branches, online platforms and automated banking services.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans	276	279	245	170	145
Taxable investment securities	23	28	31	19	13
Tax-exempt investment securities	32	40	55	45	38
MBS	57	45	19	17	20
FHLB stock and equity investments	2	2	1	503,000	530,000
Other interest earning assets	14	19	8	1	78,000
Total interest and dividend income	403	414	360	253	216
Deposits	151	154	108	29	9
FHLB borrowings	14	24	7	3	7
Subordinated notes	8	4	4	4	8
Trust preferred subordinated debentures	4	5	5	2	1
Other borrowings	5	12	21	2	42,000
Total interest expense	182	198	145	41	—
Net interest income	221	216	215	212	190
Provision for (reversal of) credit losses	3	3	9	3	−17
Net interest income after provision for credit losses	218	213	206	209	207
Deposit services	24	24	25	26	26
Net gain (loss) on sale of securities available for sale	−32	−3	−16	−4	4
Net gain on sale of equity securities	0	0	5	0	0
Gain (loss) on sale of loans	440,000	37,000	563,000	531,000	2
Trust fees	8	6	6	6	6
BOLI	4	4	6	3	3
Brokerage services	5	4	3	3	3
Other noninterest income	7	5	6	6	6
Total noninterest income	16	42	36	41	49
Salaries and employee benefits	90	90	86	83	80
Net occupancy	15	14	15	15	14
Advertising, travel & entertainment	4	3	4	3	2
ATM expense	2	1	1	1	1
Professional fees	6	5	5	5	4
Software and data processing	11	12	9	7	6
Communications	1	2	1	2	2
FDIC insurance	4	4	4	2	2
Amortization of intangibles	742,000	1	2	2	3
Other	18	14	13	10	10
Total noninterest expense	151	147	141	130	125
Income before income tax expense	83	107	101	120	131
Income tax expense	13	19	14	15	17
Net income	69	88	87	105	113
Earnings per common share - basic (in dollars per share)	2.3	2.92	2.82	3.27	3.48
Earnings per common share - diluted (in dollars per share)	2.29	2.91	2.82	3.26	3.47
Cash dividends paid per common share	1.44	1.44	1.42	1.4	1.37

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	81	91	122	106	91
Interest earning deposits	303	282	392	9	111
Federal funds sold	6	53	47	84	0
Total cash and cash equivalents	390	426	561	199	202
Securities AFS, at estimated fair value (amortized cost of $1,456,986 and $1,587,416, respectively)	1,456	1,534	—	—	—
Securities HTM (estimated fair value of $1,103,304 and $1,113,482, respectively)	1,247	1,279	1,307	1,327	91
FHLB stock, at cost	14	34	12	9	14
Equity investments	10	10	10	11	12
Loans held for sale	1	2	11	667,000	2
Loans	4,818	4,662	4,525	4,148	3,645
Less: Allowance for loan losses	−45	−45	−43	−37	−35
Net loans	4,773	4,617	4,482	4,111	3,610
Premises and equipment, net	152	142	139	141	143
Operating lease ROU assets	12	14	15	15	15
Goodwill	201	201	201	201	201
Other intangible assets, net	1	2	3	5	7
Interest receivable	42	47	50	49	39
Deferred tax asset, net	27	34	30	35	0
BOLI	145	138	136	134	131
Other assets	42	38	32	21	29
Total assets	8,515	8,517	8,285	7,559	7,260
Noninterest bearing	1,433	1,357	1,390	1,672	1,645
Interest bearing	5,432	5,297	5,159	4,526	4,078
Total deposits	6,865	6,654	6,550	6,198	5,722
Other borrowings	209	76	510	221	23
FHLB borrowings	211	732	213	153	344
Subordinated notes, net of unamortized debt issuance costs	240	92	94	99	99
Trust preferred subordinated debentures, net of unamortized debt issuance costs	60	60	60	60	60
Operating lease liabilities	14	16	17	17	17
Other liabilities	68	75	69	64	46
Total liabilities	7,667	7,706	7,512	6,813	6,347
Off-balance-sheet arrangements, commitments and contingencies (Note 17)	—	—	—	—	—
Common stock: ($1.25 par value, 80,000,000 shares authorized, 38,110,078 shares issued at December 31, 2025 and 38,077,992 shares issued at December 31, 2024)	48	48	48	48	47
Paid-in capital	796	794	789	785	781
Retained earnings	352	327	282	240	180
Treasury stock: (shares at cost, 8,387,077 at December 31, 2025 and 7,699,182 at December 31, 2024)	−252	−231	−232	−188	−155
AOCI	−96	−125	−113	−137	60
Total shareholders equity	848	812	773	746	912
Total liabilities and shareholders equity	8,515	8,517	8,285	7,559	7,260

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and net amortization	11	10	11	11	11
Securities premium amortization (discount accretion), net	8	7	5	18	23
Loan (discount accretion) premium amortization, net	949,000	916,000	400,000	−52,000	−829,000
Stock compensation expense	3	4	4	3	3
Deferred tax expense (benefit)	−351,000	−1	−2	−89,000	5
Loss on impairment of investments	0	868,000	0	38,000	0
Net loss on premises and equipment	2	160,000	342,000	576,000	324,000
Gross proceeds from sales of loans held for sale	17	19	17	24	46
Gross originations of loans held for sale	−17	−18	−19	−23	−44
Net (gain) loss on consumer receivables	0	412,000	0	0	1
Net (gain) loss on OREO	109,000	95,000	−61,000	−40,000	−174,000
(Gain on purchase) loss on redemption of subordinated notes	0	−178,000	−587,000	0	1
Interest receivable	5	4	−1	−10	−437,000
Other assets	8	−71	38	−5	−3
Interest payable	3	−437,000	7	1	−2
Other liabilities	−52	51	−86	95	24
Net cash provided by (used in) operating activities	94	102	80	227	156
Purchases	−968	−1,188	−2,046	−708	−693
Sales	544	136	1,125	461	160
Maturities, calls and principal repayments	516	797	961	108	315
Maturities, calls and principal repayments	35	31	23	12	18
Proceeds from sales of equity securities	0	0	7	0	0
Proceeds from redemption of FHLB stock and equity investments	40	78	37	47	32
Purchases of FHLB stock and equity investments	−20	−100	−40	−41	−21
Net loan paydowns (originations)	−159	−138	−388	−504	12
Proceeds from sales of customer receivables	0	8	0	0	—
Purchases of premises and equipment	−20	−11	−7	−9	−8
Proceeds from (purchases of) BOLI	−3	4	951,000	0	−13
Proceeds from sales of premises and equipment	322,000	20,000	430,000	1	—
Net proceeds from sales of OREO	273,000	278,000	203,000	220,000	816,000
Proceeds from sales of repossessed assets	230,000	160,000	168,000	124,000	254,000
Net cash provided by (used in) investing activities	−34	−383	−327	−635	−194
Net change in deposits	211	105	352	476	790
Net change in other borrowings	132	−433	289	198	47,000
Proceeds from FHLB borrowings	3,756	8,144	2,019	3,321	14,998
Repayment of FHLB borrowings	−4,277	−7,625	−1,960	−3,512	−15,487
Net proceeds from issuance of subordinated notes	147	0	0	—	—
Purchase/redemption of subordinated notes	0	−2	−4	0	−100
Proceeds from stock option exercises	693,000	3	1	790,000	8
Cash paid to tax authority related to tax withholding on share-based awards	−784,000	−576,000	−597,000	−501,000	−479,000
Purchase of common stock	−23	−2	−45	−34	−34
Proceeds from the issuance of common stock for dividend reinvestment plan	954,000	1	1	1	1
Cash dividends paid	−43	−44	−44	−45	−45
Net cash provided by (used in) financing activities	−96	147	608	406	131
Net increase (decrease) in cash and cash equivalents	−36	−134	361	−3	93
Interest paid	179	199	137	39	29
Income taxes paid	13	16	16	12	11
Loans transferred to other repossessed assets and real estate through foreclosure	441,000	850,000	226,000	465,000	740,000
Loans transferred from held for investment to held for sale	0	0	8	0	0

Filings

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Frequently asked questions

What is SOUTHSIDE BANCSHARES INC's CIK number?

SOUTHSIDE BANCSHARES INC's SEC CIK number is 0000705432 (705432). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find SOUTHSIDE BANCSHARES INC's SEC filings?

All of SOUTHSIDE BANCSHARES INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did SOUTHSIDE BANCSHARES INC last report earnings?

SOUTHSIDE BANCSHARES INC (SBSI) most recently filed an earnings 8-K with the SEC on Apr 30, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000705432-26-000076). This is SOUTHSIDE BANCSHARES INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is SOUTHSIDE BANCSHARES INC's most recent earnings 8-K?

SOUTHSIDE BANCSHARES INC's latest earnings 8-K (Item 2.02) was filed Apr 30, 2026 under accession 0000705432-26-000076. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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