BlastPoint's Banking Scorecard

Southside Bank

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

Tyler, TX

58 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in 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 6.4% in tier
+ Efficiency Ratio 9.36% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.9% in tier
- Credit Risk Growth: Bottom 39.5% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.69% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$8.8B +5.5% YoY +3.4% QoQ	+$6.0B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 2.8% in tier
Total Loans ?	$4.9B +8.4% YoY +2.7% QoQ	+$2.9B	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 7.0% in tier
Total Deposits ?	$6.9B +3.9% YoY -0.9% QoQ	+$4.5B	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 3.8% in tier
Return on Assets ?	1.30% +15.3% YoY +34.4% QoQ	-0.06%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	3.13% +7.8% YoY +3.1% QoQ	-0.69%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	51.70% -4.2% YoY -0.7% QoQ	-9.36%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	0.20% +107.4% YoY -11.2% QoQ	-0.69%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	71.25% +4.3% YoY +3.6% QoQ	-12.95%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	20.04% -5.9% YoY -7.9% QoQ	-1.24%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.11% +97.8% YoY -12.7% QoQ	-0.56%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	16.01% +2.8% YoY -3.9% QoQ	+0.85%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.14% +11.5% YoY -73.8% QoQ	-0.11%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	51%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#15 of 220 • Top 6.4% 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: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#93 of 513 • Bottom 17.9% 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: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#167 of 420 • Bottom 39.5% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Total Assets

size

Value: $8.80B

Peer Median: $2.82B

#26 of 884 Top 2.8% in $1B-$10B

Total Deposits

size

Value: $6.88B

Peer Median: $2.34B

#35 of 884 Top 3.8% in $1B-$10B

Total Loans

size

Value: $4.90B

Peer Median: $1.96B

#63 of 884 Top 7.0% in $1B-$10B

143

Nonperforming Asset Ratio

credit_quality

Value: 0.11%

Peer Median: 0.67%

#143 of 884 Top 16.1% in $1B-$10B

168

Loan-to-Deposit Ratio

liquidity

Value: 71.25%

Peer Median: 84.20%

#168 of 884 Top 18.9% in $1B-$10B

174

Tier 1 Capital Ratio

capital

Value: 16.01%

Peer Median: 15.16%

#174 of 884 Top 19.6% in $1B-$10B

182

Delinquency Rate

credit_quality

Value: 0.20%

Peer Median: 0.89%

#182 of 880 Top 20.6% in $1B-$10B

Top Weaknesses (1 metrics)

691

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.82%

#691 of 884 Bottom 21.9% in $1B-$10B