Southside Bank (FDIC #18297): Bank Stress & Real-Estate Credit Exposure
Southside Bank (FDIC Cert #18297): bank stress 55/100, moderate, STABLE over 7 days; parent SOUTHSIDE BANCSHARES INC (SBSI).
Southside Bank (#18297) lends in 21 counties across 1 state; Southside Bank (#18297) reaches 571 ZIP codes: Texas 21 counties, 571 ZIPs.
Southside Bank (#18297) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#18297), Dallas County, TX (95 branches, 95 ZIPs) (#18297), Tarrant County, TX (760 branches, 76 ZIPs) (#18297), Travis County, TX (126 branches, 63 ZIPs) (#18297), Collin County, TX (40 branches, 40 ZIPs) (#18297), Montgomery County, TX (54 branches, 27 ZIPs) (#18297).
Southside Bank (#18297) reports $8.76 billion in total assets; Southside Bank (#18297) equity $1.08 billion (12.4% of Southside Bank (#18297) assets); Southside Bank (#18297) domestic deposits $6.17 billion; Southside Bank (#18297) net income $58.5 million; Southside Bank (#18297) return on assets 1.35%; Southside Bank (#18297) return on equity 10.98%; Southside Bank (#18297) net interest income $123.1 million; Southside Bank (#18297) call report June 30, 2026.
Southside Bank (#18297) noncurrent real-estate loans: none reported; Southside Bank (#18297) net charge-offs on real estate 0.16%; Southside Bank (#18297) commercial charge-offs 29.79%; Southside Bank (#18297) residential charge-offs 0.13%.
Southside Bank (#18297) net interest margin 3.09% against an eight-quarter Southside Bank (#18297) average of 3.00% (Southside Bank (#18297) compression -0.09 points); Southside Bank (#18297) commercial real estate 2979.0% of equity; Southside Bank (#18297) non-residential real estate 13.5% of equity; Southside Bank (#18297) rate-exposure score 90/100, Southside Bank (#18297) fixed-rate trap 90/100; Southside Bank (#18297) risk type cre heavy; Southside Bank (#18297) rate regime rates elevated; Southside Bank (#18297) shares 13.2% below the 52-week high, Southside Bank (#18297) equity trend weakening, Southside Bank (#18297) snapshot October 19, 2026.
Southside Bank (#18297) stress score moved from 56.1 on June 22, 2026 to 55.2 on October 20, 2026; Southside Bank (#18297) ranged 55.2 to 56.1 over 117 snapshots.
Southside Bank (#18297) alerts: 21 counties; top Southside Bank (#18297) alert scores: San Augustine County, TX 32 (low); Nacogdoches County, TX 30 (low); Jasper County, TX 26 (low); Houston County, TX 23 (low); Austin County, TX 18 (low).