SBSI SOUTHSIDE BANCSHARES INC
Q3 2025 10-Q
SOUTHSIDE BANCSHARES INC (SBSI) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 28, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ3 2025 10-Q
Management Discussion & Analysis
- • Revenue net interest income $55.7M Q3 2025 vs $55.5M Q3 2024, increase $0.25M; net interest margin 2.81% Q3 2025 vs 2.82% Q3 2024
- • Net income $4.9M Q3 2025, down 76.1% YoY from $20.5M Q3 2024; earnings per share $0.16 vs $0.68 YoY
Risk Factors
- • New risk: Potential negative impact on net interest income from Federal Reserve's 25 bps rate cut to 4.00%-4.25% in Q3 2025
- • Updated risk: Net loss on sale of AFS securities increased to $24.4M in Q3 2025 vs. $1.9M in Q3 2024, severely reducing noninterest income
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