Bank Comparison
Southside Bank vs Flushing Savings Bank, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| CET1 Ratio | 16.01% | 13.89% |
| Tier 1 Capital Ratio | 16.01% | 13.89% |
| Total Capital Ratio | 16.84% | 14.59% |
| Tier 1 Leverage Ratio | 11.42% | 10.45% |
| Equity / Assets | 11.96% | 10.41% |
Profitability
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 0.53% |
| Return on Equity (ROE) | 10.66% | 5.14% |
| Net Interest Margin (NIM) | 3.25% | 2.84% |
| Yield on Earning Assets | 5.27% | 5.48% |
| Cost of Funds | 2.15% | 2.87% |
Asset quality
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| Texas Ratio | 1.08% | 8.64% |
| Non-Performing Loan Ratio | 0.19% | 1.27% |
| Non-Performing Asset Ratio | 0.11% | 0.94% |
| Net Charge-Off Ratio | 0.01% | 0.03% |
| ACL / Loans | 0.93% | 0.68% |
Balance sheet
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| Total Assets | $8,797M | $8,860M |
| Total Deposits | $6,879M | $7,596M |
| Total Loans | $4,947M | $6,561M |
| Total Equity | $1,051M | $922,694K |
| Net Income (quarter) | $28,186K | $11,793K |
Liquidity & funding
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 71.92% | 86.37% |
| Core Deposit Ratio | 78.70% | 78.85% |
| Uninsured Deposit Ratio | 38.41% | 36.31% |
Identity
| Metric | Southside Bank | Flushing Savings Bank, FSB |
|---|---|---|
| Headquarters City | TYLER | Flushing |
| Headquarters State | TX | NY |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 711990 |
| Regulator | FDIC | OCC |
| Domestic Branches | 58 | 30 |
| Employees (FTE) | 794 | 574 |
| Established | Oct. 3, 1960, midnight | June 1, 1929, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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