Southside Bank
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Data as of · sourced from FFIEC call reports. How we update
Southside Bank is an FDIC-insured commercial bank headquartered in Tyler, TX, established in 1960 (FDIC certificate 18297), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.76B, up 5.1% from Q2 2025, the 14th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 16.28% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18297
- Headquarters
- Tyler, TX
- Established
- 1960
- Total assets, Q2 2026
- $8.76B
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 16.28%
- Domestic offices
- 58 FDIC institution directory, current count
- Routing number
- 111923607
- Latest call report
- Q2 2026, FFIEC 041 · Southside Bank call report
- Holding company
- SOUTHSIDE BANCSHARES, INC.
- Asset rank in state
- 14th of 346 in Texas
Southside Bank, based in Tyler, Texas, reported $8.8 billion in assets at June 30, 2026, up 5.1% from a year earlier. It lost 7.0% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also carries problem assets equal to 1.0% of the capital and reserves that would absorb them, about a third the median of 3.6% for banks its size.
Net income for the quarter rose 26% from a year earlier, to $30 million. Over the same year, loans grew 7.6% and deposits shrank 7.0%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Southside Bank reported a CET1 capital ratio of 16.28%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.05%. The figures come from its call report filed with the FFIEC.
Southside Bank ranks as the 14th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $8.76B, loans were flat and deposits fell 10.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.9% of total loans, followed by 1-4 family residential loans at 14.5%. The FDIC Summary of Deposits lists 58 offices for it, in 34 cities in TX; its Tyler 15 offices book 43% of its branch deposits. On its Q2 2026 call report, Southside Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1201 S Beckham Ave, Tyler, TX 75701
- County
- Smith
- Metro Area
- Tyler, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 3, 1960
- Former names
- Southside State Bank (1977-1993)
- Domestic offices
- 58 FDIC institution directory, current count
- Employees (FTE)
- 802
- Domestic deposits
- $6.17B
- Allowance for credit losses
- $45.6M
- Net charge-offs (YTD)
- $495K
- Average total assets
- $8.76B
- Average total loans
- $4.96B
- Average interest-bearing deposits
- $5.73B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 3, 1960
- FDIC Cert
- 18297
- Fed RSSD
- 361167
- SEC CIK
- 705432 → filed by SOUTHSIDE BANCSHARES, INC.
- Website
- www.southside.com →
- Parent Holding Company
- SOUTHSIDE BANCSHARES, INC. (RSSD 1245068) · SBSI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Keith Donahoe | CEO | President and CEO |
| Julie Shamburger | CFO | CFO |
| Craddock John Mitchell Jr. | COO | Chief Operating Officer |
| T L Arnold Jr | CCO | CCO |
| Anne Martinez | CRO | CRO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Southside Bank's total assets ranged from $7.97B (Q3 2023) to $8.80B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.76B total assets against $8.33B; $7.68B total liabilities against $7.39B.
$4.90B net loans and leases against $4.56B; $6.17B total deposits against $6.64B.
$2.79B securities against $2.74B; $397.3M cash and balances due against $390.1M.
$103.9M total interest income against $98.5M; $43.0M total interest expense against $42.3M.
$60.9M net interest income against $56.2M.
$14.0M total noninterest income against $10.7M; $37.8M total noninterest expense against $37.0M.
$83K provision for credit losses against $622K.
$30.4M net income against $24.0M.
1.39% return on assets against 1.16%; 3.12% net interest margin against 3.10%.
16.28% CET1 capital ratio against 15.92%; 11.43% tier 1 leverage ratio against 11.09%.
Inside the full Southside Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Southside Bank rankings
Its closest position to the top of a national ranking is 183 of 4,196, for total assets; its furthest is 2,654 of 3,640, for Texas Ratio.
Metric pages for Southside Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q3 2025) to 1.39% (Q2 2026) and its net interest margin ran from 2.99% (Q1 2025) to 3.31% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.28% | 1.39% | 0.19% | 1.05% | 3.12% |
| Q1 2026 | 16.01% | 1.31% | 0.19% | 1.08% | 3.25% |
| Q4 2025 | 16.66% | 1.21% | 0.22% | 1.18% | 3.31% |
| Q3 2025 | 16.34% | 0.39% | 0.17% | 0.92% | 3.20% |
| Q2 2025 | 15.92% | 1.16% | 0.11% | 0.67% | 3.10% |
| Q1 2025 | 15.58% | 1.12% | 0.09% | 0.60% | 2.99% |
| Q4 2024 | 15.35% | 1.14% | 0.07% | 0.46% | 3.01% |
| Q3 2024 | 15.58% | 1.09% | 0.16% | 0.97% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 58 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southside Bank (main office) | Tyler , TX | 75701 | $1.77B |
| Omniamerican Bank Branch | Fort Worth , TX | 76107 | $377.6M |
| South Broadway Branch | Tyler , TX | 75703 | $328.2M |
| West Lufkin Branch | Lufkin , TX | 75904 | $258.1M |
| Tyler Branch | Tyler , TX | 75703 | $210.9M |
| Cleveland Branch | Cleveland , TX | 77327 | $161.6M |
| White Settlement | Fort Worth , TX | 76108 | $154.2M |
| Grapevine | Grapevine , TX | 76051 | $146.1M |
| Lindale Main Branch | Lindale , TX | 75771 | $136.4M |
| Longview Branch | Longview , TX | 75605 | $134.1M |
| Cityview | Fort Worth , TX | 76132 | $128.8M |
| Diboll Branch | Diboll , TX | 75941 | $127.0M |
| Whitehouse Main Branch | Whitehouse , TX | 75791 | $118.6M |
| West Gibson Branch | Jasper , TX | 75951 | $113.3M |
| Watauga | Watauga , TX | 76148 | $108.3M |
| Nacogdoches Branch | Nacogdoches , TX | 75961 | $107.6M |
| Austin Domain 10 Branch | Austin , TX | 78758 | $105.4M |
| Medical District | Fort Worth , TX | 76104 | $81.5M |
| Splendora Branch | Splendora , TX | 77372 | $76.8M |
| South Arlington | Arlington , TX | 76015 | $74.6M |
| Weatherford | Weatherford , TX | 76086 | $73.8M |
| Heb | Euless , TX | 76040 | $73.2M |
| Chestnut Village Branch | Lufkin , TX | 75901 | $70.3M |
| Tyler Branch | Tyler , TX | 75702 | $68.3M |
| Hemphill Branch | Hemphill , TX | 75948 | $67.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2017 | Structure Change | Acquired First Bank & Trust East Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2014 | Structure Change | Acquired OmniAmerican Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 2008 | Structure Change | Acquired Fort Worth National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 26, 1987 | Structure Change | Acquired South Broadway Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in TX, rank 29 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 743 applications, 312 loans originated, $106.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southside Bank
What are Southside Bank's total assets?
As of the Q2 2026 filing, Southside Bank reported total assets of $8.76 billion in its FFIEC call report.
Where is Southside Bank headquartered?
It is headquartered in Tyler, TX, United States.
When was Southside Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Southside Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southside Bank?
Southside Bank's primary federal regulator is the FDIC.
What is Southside Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.28% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Southside Bank operate?
It operates 58 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southside Bank's Texas Ratio?
Its Texas Ratio is 1.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Southside Bank previously called?
The charter now named Southside Bank has also operated as Southside State Bank (1977-1993), per FDIC structure-change records.
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