Southside Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 6.8% from Q1 2026 to Q2 2026, ending at $321.3M against $300.9M. It was the largest change among the key lines on this page. Southside Bank ranks 101st of 184 Texas banks on CET1 ratio, in the lower half at 16.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Southside Bank sits 2.79 points higher, at 16.28% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.28% |
| Tier 1 risk-based capital ratio | 16.28% |
| Total risk-based capital ratio | 17.10% |
| Tier 1 leverage ratio | 11.43% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $979.3M |
| Tier 1 capital | $979.3M |
| Total risk-based capital | $1.03B |
| Total equity capital | $1.08B |
| Risk-weighted assets | $6.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.37% |
| Tangible equity to tangible assets | 10.33% |
| Equity capital to average assets | 12.37% |
| Internal capital growth rate | 7.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $15.0M |
| Common stock surplus | $839.5M |
| Retained earnings | $321.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$92.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.75% | 14.75% | 15.47% | 10.64% | $5.60B |
| Q4 2023 | 14.88% | 14.88% | 15.62% | 10.49% | $5.62B |
| Q1 2024 | 14.98% | 14.98% | 15.76% | 10.25% | $5.63B |
| Q2 2024 | 15.26% | 15.26% | 16.03% | 10.42% | $5.61B |
| Q3 2024 | 15.58% | 15.58% | 16.39% | 10.60% | $5.55B |
| Q4 2024 | 15.35% | 15.35% | 16.15% | 10.55% | $5.67B |
| Q1 2025 | 15.58% | 15.58% | 16.45% | 10.46% | $5.57B |
| Q2 2025 | 15.92% | 15.92% | 16.78% | 11.09% | $5.61B |
| Q3 2025 | 16.34% | 16.34% | 17.19% | 11.42% | $5.73B |
| Q4 2025 | 16.66% | 16.66% | 17.50% | 11.67% | $5.78B |
| Q1 2026 | 16.01% | 16.01% | 16.84% | 11.42% | $5.98B |
| Q2 2026 | 16.28% | 16.28% | 17.10% | 11.43% | $6.01B |
Southside Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southside Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18297) · FFIEC NIC profile (RSSD 361167)