Southside Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 11.22 percentage points lower than in Q1 2026, at 290.27%. Within Texas, Southside Bank is 128th of 346 on loan-to-deposit ratio, 80.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southside Bank sits 8.02 points lower, at 80.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.95B |
| Net loans and leases | $4.90B |
| Loans held for sale | $341K |
| Loans to total assets | 56.51% |
| Loan-to-deposit ratio | 80.18% |
| Net loans to equity capital | 4.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.27% |
| Multifamily (5+ residential) | 12.97% |
| Commercial and industrial | 8.56% |
| Consumer | 0.73% |
| Credit cards | 0.00% |
| Farm | 0.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 7.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.27% |
| Construction concentration (Tier 1 capital + allowance) | 58.55% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $71.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.42B | $6.36B | 39.54% | 7.96% | 1.46% |
| Q4 2023 | $4.54B | $6.55B | 39.70% | 7.31% | 1.33% |
| Q1 2024 | $4.58B | $6.55B | 40.05% | 7.05% | 1.26% |
| Q2 2024 | $4.59B | $6.50B | 40.64% | 7.11% | 1.18% |
| Q3 2024 | $4.58B | $6.45B | 40.34% | 7.09% | 1.13% |
| Q4 2024 | $4.66B | $6.67B | 39.69% | 7.10% | 1.04% |
| Q1 2025 | $4.57B | $6.62B | 39.29% | 7.49% | 1.01% |
| Q2 2025 | $4.60B | $6.64B | 39.88% | 7.69% | 0.95% |
| Q3 2025 | $4.77B | $7.07B | 40.21% | 8.55% | 0.89% |
| Q4 2025 | $4.82B | $6.94B | 40.20% | 8.35% | 0.83% |
| Q1 2026 | $4.95B | $6.88B | 41.04% | 8.38% | 0.78% |
| Q2 2026 | $4.95B | $6.17B | 42.27% | 8.56% | 0.73% |
Southside Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southside Bank, freeSource: Call Report Schedule RC-C, 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)