# SOUTHSIDE BANK
TYLER, TX · FDIC certificate 18297 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.76B | |
| Deposits | $6.17B | |
| Loans and leases | $4.95B | |
| Total equity | $1.08B | |
| Loans / deposits | 79.45% (p31 of band) | 87.10% |
| Liquid assets / assets | 36.36% (p85 of band) | |
| Uninsured deposits / deposits | 42.81% (p79 of band) | 30.76% |
| Brokered deposits | 0.06% | |
| Wholesale funding | 16.22% (p83 of band) | |
| FHLB advances / assets | 11.37% | |
| Tier 1 leverage | 11.43% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -13.98% (p31 of band) | -7.75% |
| AOCI / equity | 0.33% (p90 of band) | |
| ROA (annualized) | 1.35% (p59 of band) | 1.26% |
| Net interest margin | 3.09% (p19 of band) | 3.70% |
| Efficiency ratio | 50.98% (p25 of band) | |
| Noncurrent loans | 0.19% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p40 of band) | |
| Reserve coverage of noncurrent | 473.47% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 55.37% (p58 of band) | |
| Auto loans | $9.0M (0.18% of loans; DQ 0.27%, NCO 0.00%) | |
| Loans to nondepository financials | $19.7M (2% of equity) (p77 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 802 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits >50% |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 3 | charge-offs p90 |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 2 |  | uninsured deposits >50% |
| 2015-03 | 2 | reserve under noncurrent | charge-offs p90 |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 | charge-offs p90 | reserve under noncurrent, capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | wholesale funding >15%, assets shrinking |  |
| 2019-03 | 3 | capital falling | assets shrinking |
| 2019-06 | 1 |  | reserve under noncurrent, capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 0 |  | wholesale funding >15% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-09 | 4 | brokered >10%, securities losses >30% of equity |  |
| 2022-12 | 3 |  | brokered >10% |
| 2023-03 | 2 | wholesale funding >15% | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 3 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 3 | brokered >10% | securities losses >30% of equity |
| 2024-03 | 2 |  | brokered >10% |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | capital falling | wholesale funding >15% |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | brokered >10% |  |
| 2025-12 | 0 |  | brokered >10% |
| 2026-03 | 1 | wholesale funding >15% |  |
| 2026-06 | 2 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-04 [Southside Bank deepens Community Commitment following Grand Opening in The Woodlands - Hello Woodlands](https://news.google.com/rss/articles/CBMisgFBVV95cUxQVUw4eVhvV01yUlJQQTZCM2ZjWXNiRnhaeHV4VFpDWDlpd1VibVBfdXJfaEs3TGR1NXd1MVJXQUsxUjg3M0NGR3F0NndiUDBRQXBDVVBiZm1TWjM1MnNOUVRwaktFMWZxVldjWGtid3VaTkcwWHhWOGpXbXZOUFJSRzRIYVhHQWd1LW5GMlVubzBHdk1zcnpqMnpCMFJGSi1fSG16WmlXa2JPRlc1cnRoYkln?oc=5) · Hello Woodlands
- 2026-08-05 [Southside Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBzR3R2VzRMeTY3Mkw1TWQ5cTUzTmZIcmpuSXJVYXhzUVE3MVBkZ0dQelN0UG92WUFrbVpOLWxPLXhWVkNFTDUzS2dLOFhWR3F1b1FuR1VJUXltNVZCOTlHR01VRk1SUjBnUl9oWEtTZw?oc=5) · reveliolabs.com
- 2026-04-03 [Southside Bank Expands Wealth Management and Trust into North Texas, Names Amy Sutton as Regional President - The Business Press](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPa0RUWmRDZThkWlJyVWVHZ04ta0pkcS16VmNUOFZtQVhqVHJ4NFhiTTBVN2R0TDA5UlFSaXg0ajdmRzZCMWdHZ1M0emxiOVZIQm1GWVVRcmdZemo2SVJVd0lGdHZjNTFuS19Qb25SQUZOdlZuT01yd1hwTFhybWI2cFJHODdUMEs5djFQSWZxNHZQcW50OTJrU1pKVUNFVkRYU29SRER5MXlVSndQYldaYi1GRDNmUVBrWlZfQUVBWEZLbzc2YWE1anQ0RUZJc2hNbkNpNTF5ckhuN0NJbUE?oc=5) · The Business Press
- 2026-04-08 [Southside Bank opens first standalone branch in The Woodlands Area, expanding Greater Houston presence - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPbEVnNWxLMTdjd3hjOHl5VDVaVVkzd1BxTHRCOXdIOUMyeXBFeWpSSmh1ODVzYkhUZlBiUG0ybjVWZXphNWxkel9OdXZXNmJlVjRnZTNnbjNIbjBtREJiRGRKYWc3anFTZUN4azJ1ckVjbFFaa2tEZG1VajZzTlAwSVZuTnhEUTEtbDJiTGtPWkpsbXVPSm1MNnpHOXRlUjRCY1ZKTGs3THppS1k?oc=5) · The Business Journals
- 2025-11-13 [Southside Bank names Justin Holt as Fort Worth market president - Fort Worth Report](https://news.google.com/rss/articles/CBMipgFBVV95cUxORFFrelhzcGNSZG5XbEtmUVpCNmVLVGV6UGlpMjZ6RUJiVGFNTkR1Uzc0eXZTc0ROSG5NWWxnX3dOYUVMbTczdFdnbVp5U1h1WjZ1RXUzY0xJY05WUEtnMXI2ZmN1RWlWZFVuNm9pc3dVUHhWeHF4ZGpCSjYyM3pFQWFEdjJKbUVhdEhYYTZnWm8yMVM3Slc3SWlIcVhIVHlQT1l2TndR?oc=5) · Fort Worth Report
- 2026-04-02 [Southside Bank Taps Veteran Adviser Amy Sutton To Lead North Texas Growth - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxPcUlQTDl3VGRPOXZ0TDYzOTh0SUNLMlpBZ3kyYjFMWk1wVG9ZQ3dMaU9QanU1NlBuYXJKMFBWVWNPTUtVYXhNc3B1N2NxUHRuWlVGUktSOXFCSVRPZENDT0kxMHZVVGFOODdOLUd1enE5eUZiMV84emZoUmVNbi1LYUxGdnE0MFB2bndMZFVuRG1IMjF0RGc?oc=5) · Fort Worth Inc.
- 2026-05-06 [Southside Bancshares, Inc. Declares Cash Dividend - Business Wire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNVXhXWWVZNnFQSzYzYy1jcnBYbkt5eHVTR01Xckx3aXFDa1dNakZtRGxxMkRzNFhwTTRXWk1jUWtLclA1TFU1N3lGbHdSMTB0N1Q5ZlhsdmdqRXhSbU9UWVVBSWJHNXVBOGxxa0EtWmhBMF8yWXpmcW12azJKUVByUGRnR0lVU285eU14cExETWdrY0FodVhocE53N0pjRExBUUpjLW1sRHI?oc=5) · Business Wire
- 2026-04-20 [Southside Bank celebrates completion of new Cleveland branch, honoring 100 years of local service - bluebonnetnews.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPa1UwUG9aRlozbHB3cVlxZXM2aUstVzZETS0wdmVhSUFueThVdWFRME1WLU5yVnhPOFR6UFQ1XzJ3MzhyNmdNN2ZUajhMMXQxTV91Z1FNOFZrLWhCSUJlUVJkUmR1YTBpcHk0cU5FbDFVNU1JZzczVExRMTRzMUNVSnRtUllwVUJKbmFzNUItajNLYnYzRTN5OWdKdVpJNEZNYzc4aFFNNTNybjZ4dGpFdHg2dGo1UEZIZlBIUVdWd2RzM0M1VllrNXR6Z1FOUEhL?oc=5) · bluebonnetnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18297 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "18297", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide