SOUTHSIDE BANCSHARES INC (SBSI) FY2025 10-K Annual Report
SOUTHSIDE BANCSHARES INC (SBSI) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
SOUTHSIDE BANCSHARES INC FY2025 10-K Analysis
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
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%
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
SOUTHSIDE BANCSHARES INC FY2025 Key Financial MetricsXBRL
Revenue
$403M
▼ -2.7% YoY
Net Income
$69M
▼ -21.8% YoY
Net Margin
17.2%
▼ -419bp YoY
ROE
8.2%
▼ -273bp YoY
Total Assets
$8.5B
▼ -0.0% YoY
EPS (Diluted)
$2.29
▼ -21.3% YoY
Operating Cash Flow
$94M
▼ -7.9% YoY
Source: XBRL data from SOUTHSIDE BANCSHARES INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on SOUTHSIDE BANCSHARES INC
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.