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Southside Bank

$1B-$10B Specialty: Commercial TX FDIC cert 18297

Tyler, TX

58 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits -7.0% year over year ($6.2B on the books).
  • Delinquency rate 0.20%.
  • Return on assets 1.35%.
  • Efficiency ratio 50.98% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.45% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Southside Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 6.8% in tier
  • + Efficiency Ratio 8.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 16.3% in tier
  • - Credit Risk Growth: Bottom 35.3% in tier
  • - Deposit Outflow: Bottom 39.7% in tier
  • - Net Interest Margin 0.78% below tier average
Get updates when Southside Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $8.8B
+5.1% YoY -0.4% QoQ
+$6.0B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 2.9% in tier
Total Loans ? $4.9B
+7.6% YoY +0.1% QoQ
+$2.9B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 7.1% in tier
Total Deposits ? $6.2B
-7.0% YoY -10.3% QoQ
+$3.9B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 5.2% in tier
Return on Assets ? 1.35%
+18.3% YoY +3.4% QoQ
-0.04% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 3.09%
+5.5% YoY -1.3% QoQ
-0.78% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 50.98%
-6.4% YoY -1.4% QoQ
-8.75% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.20%
+79.1% YoY +0.7% QoQ
-0.67% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 79.45%
+15.7% YoY +11.5% QoQ
-5.59% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 22.85%
+10.3% YoY +14.0% QoQ
+1.57% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
64%
Nonperforming Asset Ratio ? 0.11%
+72.4% YoY +1.1% QoQ
-0.56% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
83%
Tier 1 Capital Ratio ? 16.28%
+2.3% YoY +1.7% QoQ
+1.44% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.30%
+18.2% YoY +111.9% QoQ
-0.22% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 22.8%
+2.1pp YoY
+2.8pp QoQ
 +1.5pp 21.4% 29.2% 22.2% 64%
Brokered Deposits 0.1%
-9.1pp YoY
-11.3pp QoQ
 -9.4pp 9.5% 8.0% 8.5% 6%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.6%
+0.9pp YoY
+0.2pp QoQ
 -5.4pp 14.0% 14.8% 12.5% 38%
CRE 68.0%
+1.2pp YoY
-0.6pp QoQ
 +18.0pp 50.0% 48.4% 41.4% 86%
1-4 Family 14.6%
-1.6pp YoY
-0.1pp QoQ
 -11.8pp 26.4% 25.8% 31.3% 29%
Consumer 0.7%
-0.2pp YoY
0.0pp QoQ
 -4.0pp 4.7% 4.7% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 16.3%
+0.4pp YoY
+0.3pp QoQ
 +0.7pp 15.6% 22.7% 19.7% 79%
Leverage Ratio 11.4%
+0.3pp YoY
0.0pp QoQ
 +0.1pp 11.3% 12.6% 12.6% 68%
Total Capital Ratio 17.1%
+0.3pp YoY
+0.3pp QoQ
 +0.4pp 16.7% 23.8% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 802
+10 (+1.3%) YoY
+8 (+1.0%) QoQ
 +488 313 186 482 95%
Assets per Employee ($) $10.9M
+3.8% YoY
-1.4% QoQ
 +$440K $10.5M $10.1M $8.8M 72%
Branch Count 58
+1 (+1.8%) YoY
0 QoQ
 +38 20 12 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 1.0% 1.0% 21%
Allowance Coverage 4.73x
-46.7% YoY
-1.5% QoQ
 -13.98x 18.71x 18.82x 20.23x 76%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.0%
+0.8pp YoY
+0.3pp QoQ
 -1.6pp 12.6% 13.2% 11.6% 41%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
+0.1pp QoQ
 +0.2pp 1.9% 1.6% 1.7% 64%
Net Income ($, YTD) $58.5M
+22.4% YoY
— QoQ
 +$39.3M $19.2M $15.9M $40.4M 95%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#16 of 221 • Top 6.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#81 of 492 • Bottom 16.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#143 of 402 • Bottom 35.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#53 of 131 • Bottom 39.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

27
Total Assets
size
Value: $8.76B
Peer Median: $2.79B
#27 of 885 Top 2.9% in $1B-$10B
47
Total Deposits
size
Value: $6.17B
Peer Median: $2.32B
#47 of 885 Top 5.2% in $1B-$10B
64
Total Loans
size
Value: $4.90B
Peer Median: $1.96B
#64 of 885 Top 7.1% in $1B-$10B
149
Nonperforming Asset Ratio
credit_quality
Value: 0.11%
Peer Median: 0.67%
#149 of 885 Top 16.7% in $1B-$10B
161
Tier 1 Capital Ratio
capital
Value: 16.28%
Peer Median: 14.84%
#161 of 885 Top 18.1% in $1B-$10B
191
Delinquency Rate
credit_quality
Value: 0.20%
Peer Median: 0.87%
#191 of 882 Top 21.5% in $1B-$10B
220
Efficiency Ratio
profitability
Value: 50.98%
Peer Median: 59.73%
#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (1 metrics)

724
Net Interest Margin
profitability
Value: 3.09%
Peer Median: 3.87%
#724 of 885 Bottom 18.3% in $1B-$10B
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