SBSI at a glance
SOUTHSIDE BANCSHARES INC (SBSI, SEC CIK 705432) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 24, 2026, an 8-K current report on July 24, 2026 and Form 4 insider filings as recently as September 11, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), SOUTHSIDE BANCSHARES INC (SBSI) reported revenue of $403.1 million (down 2.7% from FY2024) and net income of $69.2 million. Diluted EPS was $2.29.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding SOUTHSIDE BANCSHARES INC (SBSI) shares worth $425.2 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Craddock John Mitchell Jr. on September 11, 2026 of 415 shares at $32.01 per share.
- In the last 90 days, SBSI insiders reported 0 open-market purchases ($0) and 1 open-market sale ($13K) on Form 4, a net sale of $13K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $403.1M
- −2.7% vs prior year
- Insiders · 90 days
- 0 buys · 1 sell
- Net −$13K
- 13F holders
- 28 funds
- $425.2M · +0 vs prior quarter
- Latest 8-K
- Jul 24, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional bank providing deposit, loan, and credit services with emphasis on liquidity and interest rate risk management
- New focus on Federal Reserve Discount Window borrowings at $110 million in 2025, none in 2024, reflecting enhanced liquidity strategy
- Liquidity investments decreased to 8.1% of assets in 2025 from 8.6% in 2024, driven by lower short-term investments and cash balances
- Interest rate risk managed via simulation models by ALCO to stabilize net interest income amid rate fluctuations
- Significant available borrowing capacity from FHLB at $2.45 billion net collateral, supporting liquidity and lending flexibility
Risk Factors
- Regulatory/legal risk: Potential higher FDIC insurance costs, with $3.76 million expense in 2025, slightly down from $3.79 million in 2024
- Geopolitical/macroeconomic threat: Loan loss allowance steady at $45.1 million as of Dec 31, 2025, despite modest $3.1 million credit loss provision reflecting economic forecast uncertainty
- Operational/supply chain vulnerability: $1.2 million one-time charge for demolition of old branch facility completed in Q2 2025 impacts noninterest expenses
- Competitive/market disruption risk: Decrease in low-cost deposits to 79.2% of average deposits in 2025 from 83.7% in 2024, increasing reliance on brokered non-maturity deposits (9.5%) with risks of cost and loyalty
- Financial/structural risk: Net interest income only up 2.3% to $221.1 million in 2025 despite lower interest rates, reflecting margin pressure and asset yield decline to 5.25% from 5.40%
Management Discussion & Analysis
- Total shareholders’ equity $847.6M, up 4.4% YoY from $811.9M; includes net income $69.2M, dividends paid $43.4M, stock repurchases $23.4M
- Capital ratios: Common Equity Tier 1 12.87% (consolidated) vs 13.04% prior year; Tier 1 Capital 13.88% vs 14.07%; Total Capital 18.54% vs 16.49%
- Investment portfolio decreased 4.5% to $2.73B; MBS increased 30.8% to $1.37B; municipal securities decreased 24.4%
- Borrowings decreased 48.1% to $208.7M end 2025; FHLB borrowings down $520.8M to $211.1M; increased FRDW borrowings $110M
- Management sees no capital adequacy issues; dividends will depend on earnings and board discretion; risks include interest rate volatility affecting AFS securities Unrealized losses $145M
AI summary of the SBSI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net interest income impact: rates +100 bps, 2.22% vs 2.69% in 2025
- Net interest income impact: rates −200 bps, (6.11)% vs (1.51)% in 2025
- Rate sensitivity: −100 bps impact (2.79)% vs (1.06)% in 2025
- Outlook: solid, positive Texas market conditions amid tariff and Middle East uncertainty
- Headwinds: inflation, energy and gas prices, and rate fluctuations threatening borrowers
Risk Factors
- No new risk factor triggered in the quarter; management reported no material changes from the 2025 Form 10-K
- Carried-forward regulatory and compliance risks remain unchanged from the 2025 Form 10-K
- Carried-forward operational and competitive risks remain unchanged from the 2025 Form 10-K
- Carried-forward financial risks remain unchanged from the 2025 Form 10-K
AI summary of the SBSI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Second-quarter financial results for period ended June 30, 2026
- Press release issued July 24, 2026 and filed as Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 net income $26.8M, up 23.0% year over year; diluted EPS $0.90, up 25.0%
- Returns strengthened: ROAA 1.23%, ROE 12.33%, and tangible common equity return 16.09%
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Shareholders authorized up to 8,000,000 shares of flexible preferred stock
- Charter Amendment effective May 19, 2026 after Texas Secretary of State filing
Item 5.07: Submission of Matters to a Vote of Security Holders
- 89.99% shareholder participation, with 26,767,647 of 29,743,585 shares represented
- Six director nominees elected, with terms staggered through 2029
Item 2.02: Results of Operations and Financial Condition
- Q1 2026 results for quarter ended March 31, 2026, released April 30, 2026
- Detailed financial results contained in Exhibit 99.1 press release
Item EX-99.1: Item EX-99.1
- Q1 net income $23.3M, up 8.1% YoY, with diluted EPS $0.78 versus $0.71
- Loan growth 2.7% linked quarter and 8.3% YoY to $4.95B, led by construction and commercial real estate
AI summaries of SBSI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SBSI
Don't miss the next SBSI filing
- Alerts as it files. A push when SBSI files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut SBSI, by share count.
- Ask anything. An AI agent that reads every SBSI filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Craddock John Mitchell Jr. | Sell | Sep 11, 2026 | 415 | $32.01 |
| Craddock John Mitchell Jr. | F | Sep 5, 2026 | 133 | $32.83 |
| McKinney Raymond C | A | Sep 3, 2026 | 14 | - |
| Donahoe Keith | A | Sep 3, 2026 | 158 | - |
| Craddock John Mitchell Jr. | A | Sep 3, 2026 | 55 | - |
| Jones Jeb Weldon | A | Sep 3, 2026 | 14 | - |
| Martinez Anne | A | Sep 3, 2026 | 44 | - |
| Calhoun Kirk A. | A | Sep 3, 2026 | 20 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $359.7M | $414.3M | $403.1M |
| Net Income | $86.7M | $88.5M | $69.2M |
| Net Margin | 24.1% | 21.4% | 17.2% |
| Balance Sheet | |||
| Total Assets | $8.3B | $8.5B | $8.5B |
| Equity | $773.3M | $811.9M | $847.6M |
| ROE | 11.2% | 10.9% | 8.2% |
| Per Share | |||
| EPS | - | $2.91 | $2.29 |
| Cash Flow | |||
| Operating CF | $79.9M | $101.8M | $93.8M |
| CapEx | $6.9M | $11.2M | $20.3M |
Source: XBRL data in SOUTHSIDE BANCSHARES INC (SBSI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SBSI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $425.2M |
| Q1 2026 | 28 | $373.8M |
| Q4 2025 | 26 | $371.3M |
| Q3 2025 | 26 | $352.2M |
| Q2 2025 | 29 | $357.1M |
| Q1 2025 | 24 | $227.9M |
| Q4 2024 | 20 | $219.5M |
| Q3 2024 | 17 | $152.3M |
- BlackRock+69.8K (+2%)
- Vanguard Portfolio Management LLC+41.3K (+7%)
- AQR Capital Management+35.4K (+23%)
- State Street Corp+34.6K (+3%)
- Northern Trust+23.5K (+7%)
- Goldman Sachs Group−100.2K (-28%)
- Morgan Stanley−54.9K (-19%)
- Two Sigma Investments−46.4K (-12%)
- Renaissance Technologies LLC−21.0K (-5%)
- JPMorgan Chase & Co−14.7K (-8%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 198 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SBSI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 11, 2026 | - | - | - |
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
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| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 18, 2026 | - | - | - |
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SBSI SEC filings: frequently asked questions
Are SBSI insiders buying or selling?
In the last 90 days, SOUTHSIDE BANCSHARES INC (SBSI) officers, directors and 10% owners reported no open-market purchases and 1 open-market sale worth $13,284 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SBSI stock?
As of June 30, 2026, the largest SOUTHSIDE BANCSHARES INC (SBSI) holders among the 13F filers tracked by SignalX were BlackRock ($150.3 million), Dimensional Fund Advisors ($49.5 million), State Street Corp ($46.7 million), Vanguard Capital Management LLC ($43.9 million), Vanguard Portfolio Management LLC ($22.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SBSI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), SOUTHSIDE BANCSHARES INC (SBSI) reported revenue of $403.1 million (down 2.7% from FY2024) and net income of $69.2 million. Diluted EPS was $2.29. The figures come from the XBRL data in the 10-K.
What are the main risks in SBSI's latest 10-K?
In the 10-K filed February 27, 2026, SOUTHSIDE BANCSHARES INC (SBSI) flagged: Regulatory/legal risk: Potential higher FDIC insurance costs, with $3.76 million expense in 2025, slightly down from $3.79 million in 2024. Geopolitical/macroeconomic threat: Loan loss allowance steady at $45.1 million as of Dec 31, 2025, despite modest $3.1 million credit loss provision reflecting economic forecast uncertainty. (AI summary of the Risk Factors section.)
What did SBSI report in its latest 8-K?
SOUTHSIDE BANCSHARES INC (SBSI) filed an 8-K on July 24, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Second-quarter financial results for period ended June 30, 2026.
What are the latest SBSI SEC filings?
SOUTHSIDE BANCSHARES INC (SBSI) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on July 24, 2026, an 8-K current report on July 24, 2026 and a Form 4 insider filing on September 11, 2026.
What is SBSI's SEC CIK number?
SOUTHSIDE BANCSHARES INC (SBSI)'s SEC Central Index Key (CIK) is 705432. EDGAR lists every SBSI filing under that number.
Ask anything about SBSI
The research agent reads SBSI's filings, financials, insider trades and 13F holders, then answers with sources.