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Jun 30, 2025
Southside Bancshares Q2 2025 Earnings Report
Southside Bancshares reported solid Q2 2025 results with stable profitability and improved net interest margin.
Key Takeaways
Southside Bancshares posted $68.8M in revenue and $21.8M in net income for Q2 2025, with EPS at $0.72. The company maintained strong asset quality and capital ratios, while efficiency improved slightly compared to the prior quarter.
Net income was $21.8M, down 11.6% YoY due to higher noninterest expenses.
Net interest margin (FTE) improved to 2.95%, up 9 bps from Q1 2025.
Nonperforming assets remained low at 0.39% of total assets.
Return on average tangible common equity reached 14.38%.
Forward Guidance
Southside expects moderate loan growth for 2025 and stable net interest margin, with continued monitoring of credit quality.
Positive Outlook
- Loan pipeline supports 3-4% expected loan growth for 2025.
- Improved net interest margin sequentially.
- Strong capital and liquidity positions maintained.
- Nonperforming assets remain relatively low at 0.39%.
- Share repurchases continue to support shareholder returns.
Challenges Ahead
- Net income declined YoY due to higher noninterest expenses.
- Provision for credit losses increased compared to prior year.
- Higher noninterest expense impacted efficiency ratio.
- Loan growth slowed in certain categories.
- Increased economic uncertainty factored into credit models.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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