Southside Bank
Southside Bank reported total assets of $8.8 bn at Q2 2026, up 5.1% on a year earlier, the 185th largest of 497 banks in our US coverage. The CET1 capital ratio at Southside Bank was 16.28%, and the uninsured share of Southside Bank was 42.81%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Southside Bank climbed from 204th to 160th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Over the year to , the total deposits of Southside Bank fell by 7.0% to $6.2 bn, a bigger fall than at 98% of covered banks (FDIC Call Reports).
- Since , Southside Bank has taken over one institution; the latest was First Bank & Trust East Texas on (FDIC Call Reports).
What sets Southside Bank apart
How large is Southside Bank?
The balance sheet of Southside Bank at : assets $8.8 bn, deposits $6.2 bn, net loans $4.9 bn (loans equal to 79.45% of deposits). Securities make up 31.8% of total assets at Southside Bank. Since , when Southside Bank held $5.0 bn, its assets grew 74.7%. In the year to , deposits at Southside Bank fell 7.0% while its total assets rose 5.1%. At , Southside Bank employed 802 full-time equivalent staff across 58 offices, about $10.9 mn of assets per employee and $106.4 mn of deposits per office.
How much funding at Southside Bank is uninsured?
At Southside Bank, uninsured deposits (above the FDIC limit) made up 42.81% of domestic deposits at (+4.29 pp on a year earlier); Southside Bank ranks 160th of 500 on this measure. In dollars, Southside Bank estimated $2.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $6.2 bn | -7.0% | 204th of 499 |
| Net loans and leases | $4.9 bn | +7.6% | 216th of 500 |
| Loan-to-deposit ratio | 79.45% | +10.78 pp | 352nd of 500 |
| Tier 1 leverage ratio | 11.43% | +0.34 pp | 137th of 500 |
| Total risk-based capital ratio | 17.10% | +0.32 pp | 88th of 448 |
| Net interest margin | 3.09% | +0.16 pp | 392nd of 500 |
| Return on assets (ROA) | 1.35% | +0.21 pp | 221st of 500 |
| Efficiency ratio | 50.98% | -3.50 pp | 151st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $136.4 mn | Narrowed by $55.2 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.8 mn | Narrowed by $50.7 mn | |
| Noncurrent loans to total loans | 0.19% | +0.09 pp | 64th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | -0.03 pp | 131st of 500 (1 = lowest) |
US rank of Southside Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Southside Bank: assets, deposits and loans
- Total assets $8.8bn
- Deposits $6.2bn
- Net loans $4.9bn
Capital and securities
The CET1 ratio of Southside Bank stood at 16.28% in , +0.36 pp year on year. Low and high at Southside Bank since : 14.04% () to 19.35% (). Equity capital of Southside Bank at : $1.1 bn, or 12.4% of total assets. Southside Bank also reported a total capital ratio of 17.10% for , and a tier 1 leverage ratio of 11.43%.
On held-to-maturity securities, Southside Bank carried an unrealized loss of $136.4 mn at , equal to 12.6% of equity capital. The loss narrowed by $55.2 mn over the year. Its deepest point: $255.5 mn in . The available-for-sale portfolio of Southside Bank showed an unrealized loss of $9.8 mn at ; the loss narrowed by $50.7 mn over the year.
Southside Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 11%
Southside Bank: unrealized securities gains and losses
- Available for sale -$10mn
- Held to maturity -$136mn
Profitability and loan quality
For the year to , Southside Bank earned a return on equity of 10.98%; return on assets: 1.35%. Net interest margin at Southside Bank: 3.09%, +0.16 pp in a year. Southside Bank net income: $58.5 mn, up 22.4% year on year. The efficiency ratio of Southside Bank was 50.98%: about 51 cents cost per revenue dollar, against 55 cents at the median peer.
At , noncurrent loans were 0.19% of total loans at Southside Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Southside Bank: $4.9 bn, up 7.6% in a year.
Southside Bank: profitability
- Return on equity 11%
- Net interest margin 3.1%
- Return on assets 1.3%
Peer group of Southside Bank
The peer group of Southside Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of Southside Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Southside Bank shows CET1 ratio 16.28% against a peer median of 13.77%, return on equity 10.98% against a peer median of 10.84% and uninsured deposit share 42.81% against a peer median of 37.33%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Salem Five Cents Savings Bank | State nonmember bank | MA | $8.8 bn | 13.21% | 8.41% | 18.29% | |
| Tompkins Bank & Trust | State nonmember bank | NY | $8.8 bn | 11.91% | 15.03% | 41.31% | |
| Wells Fargo National Bank West | National bank | NV | $8.8 bn | 64.87% | 5.30% | 1.55% | |
| Southside Bank | State nonmember bank | TX | $8.8 bn | 16.28% | 10.98% | 42.81% | |
| First American Bank | State nonmember bank | IL | $8.6 bn | 13.77% | 18.30% | 44.58% | |
| First Security Bank | State member bank | AR | $8.6 bn | 20.73% | 13.27% | 44.27% | |
| Cross River Bank | State nonmember bank | NJ | $8.5 bn | not reported | 0.99% | 33.35% | |
. FDIC Call Reports.
Last eight quarters
Two years at Southside Bank, to : assets +4.8%, deposits -4.2%, equity +15.0%. Staff 785 to 802.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.4 bn | $8.5 bn | $8.3 bn | $8.3 bn | $8.4 bn | $8.5 bn | $8.8 bn | $8.8 bn |
| Total deposits | $6.4 bn | $6.7 bn | $6.6 bn | $6.6 bn | $7.1 bn | $6.9 bn | $6.9 bn | $6.2 bn |
| Bank equity capital | $942.5 mn | $940.9 mn | $933.6 mn | $948.4 mn | $1.0 bn | $1.1 bn | $1.1 bn | $1.1 bn |
| CET1 ratio | 15.58% | 15.35% | 15.58% | 15.92% | 16.34% | 16.66% | 16.01% | 16.28% |
| Return on equity (ROE) | 10.49% | 10.43% | 10.16% | 10.16% | 7.75% | 8.30% | 10.66% | 10.98% |
| Uninsured share of domestic deposits | 35.98% | 38.21% | 40.23% | 38.52% | 37.87% | 40.40% | 38.41% | 42.81% |
| Full-time equivalent employees | 785 | 778 | 787 | 792 | 784 | 781 | 794 | 802 |
| Number of offices | 58 | 57 | 57 | 57 | 57 | 57 | 58 | 58 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Southside Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed First Bank & Trust East Texas (FDIC certificate 17233).
Questions and identifiers
What were the total assets of Southside Bank?
Southside Bank reported $8.8 bn at in its Call Report. That makes Southside Bank the 185th largest of 497 banks in our US coverage.
Is Southside Bank the same as its holding company?
No. This page covers Southside Bank, FDIC certificate 18297; SOUTHSIDE BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Southside Bank profitable?
Southside Bank reported net income of $58.5 mn for the year to ; annualized return on equity: 10.98%. So yes: Southside Bank made a profit over these months.
When is data for Southside Bank next updated?
Figures from Southside Bank for are due after .
Where can I check the figures for Southside Bank?
In the FDIC BankFind Suite record for certificate 18297, and in the Call Reports of Southside Bank (RSSD ID 361167) at the FFIEC Central Data Repository.