Southside Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 11.30 percentage points lower than in Q1 2026, at 0.08%. Southside Bank ranks 193rd of 345 Texas banks on return on assets, in the lower half at 1.39% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Southside Bank sits 0.11 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.28% |
| Tier 1 risk-based capital ratio | 16.28% |
| Total risk-based capital ratio | 17.10% |
| Tier 1 leverage ratio | 11.43% |
| Equity capital to assets | 12.37% |
| Tangible equity to tangible assets | 10.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 1.05% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 471.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 11.37% |
| Net interest margin | 3.12% |
| Efficiency ratio | 48.79% |
| Yield on earning assets | 5.24% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.18% |
| Core deposits to total deposits | 88.72% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 70.48% |
| Securities to assets | 31.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.75% | 14.75% | 15.47% | 10.64% | 1.04% |
| Q4 2023 | 14.88% | 14.88% | 15.62% | 10.49% | 0.96% |
| Q1 2024 | 14.98% | 14.98% | 15.76% | 10.25% | 1.13% |
| Q2 2024 | 15.26% | 15.26% | 16.03% | 10.42% | 1.27% |
| Q3 2024 | 15.58% | 15.58% | 16.39% | 10.60% | 1.09% |
| Q4 2024 | 15.35% | 15.35% | 16.15% | 10.55% | 1.14% |
| Q1 2025 | 15.58% | 15.58% | 16.45% | 10.46% | 1.12% |
| Q2 2025 | 15.92% | 15.92% | 16.78% | 11.09% | 1.16% |
| Q3 2025 | 16.34% | 16.34% | 17.19% | 11.42% | 0.39% |
| Q4 2025 | 16.66% | 16.66% | 17.50% | 11.67% | 1.21% |
| Q1 2026 | 16.01% | 16.01% | 16.84% | 11.42% | 1.31% |
| Q2 2026 | 16.28% | 16.28% | 17.10% | 11.43% | 1.39% |
Southside Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southside Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)