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Southside Bank
Tyler, TX·FDIC Cert #18297·Charter: STATE·Est. 19601003.0·HC: SOUTHSIDE BANCSHARES INC
Total Assets
$8.5B
Q4 2025
Return on Assets
0.97%
+0.08%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.06%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.97%+0.08
ROE
8.30%+0.55
Efficiency
52.06%-1.31
Equity/Assets
0.00%+0.00
NPL Ratio
0.22%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
68.76%+1.97
Charge-offs
0.06%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 0.9 | 1.0 |
| ROE | 10.3 | 10.9 | 10.5 | 10.4 | 10.2 | 10.2 | 7.8 | 8.3 |
| Efficiency | 54.7 | 52.9 | 52.7 | 53.1 | 54.0 | 54.5 | 53.4 | 52.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 69.2 | 69.9 | 70.3 | 69.2 | 68.3 | 68.7 | 66.8 | 68.8 |
Balance Sheet
Total Assets$8.5B
Total Deposits$6.9B
Total Loans$4.8B
Total Equity$1.1B
Profitability
ROA0.97%
ROE8.30%
Efficiency Ratio52.06%
Net Income$81.6M
Risk & Asset Quality
NPL Ratio0.22%
Charge-off Rate0.06%
Loan/Deposit68.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans