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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Southside Bank

Tyler, Texas · $8.76B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

60.0%
CRE / loans
12th of 12
51.1%
Efficiency
2nd of 12
288.9%
CRE / capital
11th of 12

Southside Bank is the second largest of the 12 Texas banks nearest its size between $3B and $10B, with $8.76B in assets at 30 June 2026. Loans are 80.2% of deposits, 9th of 12 against a median of 73.1%, and equity is 12.4% of assets, 3rd of 12. Loans grew +7.6% in the year, 5th of 12, and deposits fell 7.0%; the cohort's median loan growth is +5.8%.

Noncurrent loans are 0.19% of the book, 3rd of 12 against a median of 0.69%; 0.22% is 30 to 89 days past due, and the allowance covers them 4.7 times. Commercial real estate is 60.0% of loans, the highest in the cohort against a median of 37.4%, and 289% of capital, below the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.34%, 7th of 12 against a median of 1.35%, on an efficiency ratio of 51.1%, 2nd of 12. Five years ago it was 1.75%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.3% of loans).

Commercial real estate, share of loansTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 37.4% TB TBK Bank SSB 12.4% TE Texas Exchange Bank 13.3% VN Verabank National Association 31.6% TC Third Coast Bank 34.6% WN Woodforest National Bank 35.4% BN Broadway National Bank 36.2% VB Vantage Bank Texas 38.7% CB City Bank 39.0% AN American National Bank of Texas 41.1% FN First National Bank Texas 41.6% IB International Bank of Com 56.9% SB Southside Bank 60.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +5.8% TC Third Coast Bank +33.3% CB City Bank +21.4% VB Vantage Bank Texas +14.7% TB TBK Bank SSB +10.5% SB Southside Bank +7.6% FN First National Bank Texas +6.9% AN American National Bank of Texas +4.8% IB International Bank of Com +2.7% VN Verabank National Association -1.5% WN Woodforest National Bank -7.2% BN Broadway National Bank -10.7% TE Texas Exchange Bank -23.7%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Southside BankRankCohort median
Total CRE against capital, the 300% screen289%11th of 12214%
Construction against capital, the 100% screen58%8th of 1253%
Construction and land development, share of loans12.1%7th of 1211.3%
Non-owner-occupied nonfarm nonresidential, share of loans34.9%12th of 1222.2%
Total CRE, the guidance definition, share of loans60.0%12th of 1237.4%
CRE growth over 36 months, the third prong+25.2%7th of 12+23.2%
Commercial real estate against capital, the 300% screenTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 214% TE Texas Exchange Bank 23% TB TBK Bank SSB 94% IB International Bank of Com 128% VN Verabank National Association 166% BN Broadway National Bank 176% FN First National Bank Texas 206% WN Woodforest National Bank 222% TC Third Coast Bank 236% CB City Bank 239% AN American National Bank of Texas 251% SB Southside Bank 289% VB Vantage Bank Texas 314%
CRE growth over 36 months, the guidance's third prongTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +23.2% BN Broadway National Bank -8.2% TB TBK Bank SSB -1.1% VN Verabank National Association +0.1% WN Woodforest National Bank +9.8% VB Vantage Bank Texas +11.3% IB International Bank of Com +21.3% SB Southside Bank +25.2% CB City Bank +28.3% AN American National Bank of Texas +34.3% FN First National Bank Texas +45.8% TC Third Coast Bank +58.7% TE Texas Exchange Bank +63.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Woodforest National Bank$8.98B2.1%73.2%1.93%0.27%1.5%72.3%8.8%
Southside Bank$8.76B1.3%51.1%0.19%0.02%0.9%80.2%12.4%
TBK Bank SSB$7.40B0.6%86.4%1.65%0.13%0.6%87.9%14.3%
Third Coast Bank$6.73B1.3%57.9%0.50%-0.01%1.0%92.8%12.0%
American National Bank of Texas$5.51B0.7%74.8%0.23%0.03%1.3%73.9%6.0%
Broadway National Bank$5.42B1.8%57.9%0.19%0.13%1.1%65.3%9.1%
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Southside BankCohort median
20212026Change20212026Change
Loans$3.64B$4.95B+36%$2.18B$3.59B+65%
Deposits$5.24B$6.17B+18%$3.27B$4.68B+43%
NPA / loans0.14%0.19%+0.05 pts0.41%0.69%+0.28 pts
Efficiency50.2%51.1%+1.0 pts66.7%59.3%-7.4 pts
ROA1.75%1.34%-0.41 pts1.51%1.35%-0.16 pts

This read was prepared for Southside Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Southside Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.southside.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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