Southside Bancshares announced its financial results for the fourth quarter and full year ended December 31, 2025, with extensive coverage by multiple news outlets. The company also scheduled and conducted earnings calls to discuss these results.

• Southside Bancshares, Inc. announced financial results for the fourth quarter and year ended December 31, 2025 [N1].
• Multiple news sources reported on Southside Bancshares' Q4 earnings snapshot and full year 2025 financial results [N2][N3][N4][N5].
• The company scheduled a fourth quarter and year-end earnings call on January 29, 2026 [N6][N8].
• Southside Bancshares is identified as a Texas community bank with $8.38 billion in assets as of late 2025 [N7].

The company has demonstrated profitability with positive net income and earnings per share in recent quarters. Its asset quality is supported by government-backed mortgage securities and individually evaluated loans with allowances for credit losses. The bank's liquidity position with nearly $467 million in cash and equivalents supports operational stability. Continued focus on its Texas market and prudent credit management could sustain its financial performance.

Southside Bancshares faces risks typical of regional banks including exposure to commercial real estate and commercial loan credit risks. Changes in interest rates and economic conditions in its regional market could impact loan performance and deposit levels. The company’s net change in deposits has shown declines in recent periods, which may pressure liquidity. Competition and regulatory changes also pose challenges to its business model.

Southside Bancshares benefits from its regional focus in Texas, leveraging local market knowledge and customer relationships typical of community banks. Its asset base of approximately $8.38 billion provides scale within its market segment. The use of government-backed mortgage securities reduces credit risk exposure. However, as a regional bank, it faces competition from larger national banks and other community banks.

• Credit Risk: Exposure to commercial real estate and commercial loans may result in credit losses if economic conditions deteriorate.
• Liquidity Risk: Declines in deposits and borrowings could pressure liquidity and funding stability.
• Market Risk: Interest rate fluctuations may affect net interest margins and investment portfolio values.
• Competitive Risk: Competition from larger banks and other regional banks may impact market share and profitability.
• Regulatory Risk: Changes in banking regulations could increase compliance costs or restrict business activities.

• Southside Bancshares Inc is a regional bank operating in the financial services sector, specifically in the regional banks industry.
• As of September 30, 2025, the company reported cash and cash equivalents of $466.9 million USD according to its 10-Q filing [S2].
• Net income for the quarter ended September 30, 2025 was $4.913 million USD, with basic and diluted earnings per share of $0.16 [S2].
• The company operates as a Texas community bank with total assets reported at approximately $8.38 billion as of late 2025 [N7].
• Southside Bancshares announced its financial results for the fourth quarter and full year ended December 31, 2025, with multiple news outlets covering the earnings release and related earnings call [N1][N2][N3][N4][N5][N6][N7][N8].
• The company holds mortgage-backed securities (MBS) issued or guaranteed by U.S. government agencies or government-sponsored enterprises [S2].
• Loans include commercial real estate and commercial loans, with some loans individually evaluated for credit losses [S2].
• The company has disclosed details on its liquidity and capital resources, including borrowings and debt maturities [S2].
• Stock-based compensation expenses and deferred tax expenses are reported in the financial filings [S2].