Southside Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southside Bank of Tyler, TX against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.39% | 1.34% | +0.05% | 58th above |
| ROAE | 11.37% | 12.34% | -0.97% | 42nd below |
| Net Interest Margin | 3.12% | 3.83% | -0.71% | 18th bottom |
| Efficiency Ratio | 48.79% | 58.97% | -10.18% | 77th top |
| PPNR / Avg Assets | 1.70% | — | — | 47th below |
| Yield on Earning Assets | 5.24% | 5.71% | -0.47% | 31st below |
| Cost of Funds | 2.03% | 2.02% | +0.01% | 48th below |
| Net Interest Spread | 2.46% | — | — | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.87% | -0.68% | 78th top |
| NPA / Total Assets | 0.11% | — | — | 83rd top |
| NCO / Avg Loans | 0.03% | 0.43% | -0.40% | 51st above |
| ACL / Total Loans | 0.92% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 473.47% | — | — | 77th top |
| Texas Ratio | 1.05% | 5.48% | -4.43% | 82nd top |
| Provision / NCO | 24.13% | — | — | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 16.28% | 14.99% | +1.29% | 79th top |
| Tier 1 Ratio | 16.28% | 15.02% | +1.26% | 78th top |
| Total Capital Ratio | 17.10% | — | — | 77th top |
| Leverage Ratio | 11.43% | 11.11% | +0.32% | 68th above |
| Equity / Assets | 12.37% | 11.02% | +1.35% | 80th top |
| TCE / Tangible Assets | 10.33% | — | — | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.18% | 86.99% | -6.81% | 70th above |
| Core Deposit Ratio | 88.72% | 85.57% | +3.15% | 52nd above |
| Uninsured Deposit Ratio | 42.81% | 33.19% | +9.62% | 21st bottom |
| Wholesale Funding Ratio | 16.16% | — | — | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.09% | — | — | 48th below |
| Loan Growth (Y/Y) | 7.55% | — | — | 61st above |
| Deposit Growth (Y/Y) | -7.00% | — | — | 2nd bottom |
See Southside Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southside Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southside Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Southside Bank peer analysis.