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Dec 31, 2025
Southside Bancshares Q4 2025 Earnings Report
Southside Bancshares reported lower earnings due to a $7.3 million loss on securities, despite growth in net interest income.
Key Takeaways
Southside Bancshares posted Q4 2025 net income of $21.0 million and EPS of $0.70, down slightly from the prior year due to losses on AFS securities. Core banking metrics remained stable with improvements in net interest margin and efficiency ratio.
Net income was $21.0 million, down from $21.8 million a year ago due to $7.3 million in losses on securities.
EPS was $0.70, a slight decline from $0.71 in Q4 2024.
Net interest margin (FTE) rose to 2.98%, up 15 bps YoY.
Nonperforming assets remained low at 0.45% of total assets.
Forward Guidance
Management expects a positive impact to net interest margin in Q1 2026 following the planned redemption of high-cost subordinated notes.
Positive Outlook
- Planned redemption of $93 million subordinated notes expected to boost NIM.
- Linked-quarter deposit growth of $40.8 million (excluding public and brokered deposits).
- Net interest income increased $1.5 million QoQ.
- Lower cost of deposits supported margin expansion.
- Stable asset quality with low NPAs at 0.45%.
Challenges Ahead
- $7.3 million loss on sale of AFS securities hurt earnings.
- Noninterest income impacted by securities loss.
- Efficiency ratio remains above 50%.
- NPA ratio increased slightly from prior quarter (0.42% to 0.45%).
Historical Earnings Impact
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Avg. Return Before/After Earnings
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