Southside Bank
Tyler, Texas, Smith County
$8.8B in total assets, the 192nd largest of 4,309 US banks and 15th of 352 headquartered in Texas.
- FDIC certificate
- 18297
- Established
- 1960
- Owned by
- Southside Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.southside.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $8.8B | 98% | $2.2B | |
| Loans | $4.9B | 96% | $1.3B | |
| Deposits | $6.2B | 97% | $1.7B | |
| Return on assets | 1.08% | 25% | 1.54% | |
| Net interest margin | 3.09% | 14% | 3.96% | |
| Efficiency ratio | 51.0% | 29% | 57.5% | |
| Equity to assets | 12.37% | 74% | 10.59% | |
| Loans to deposits | 80% | 51% | 80% |
Growth
Total assets grew 4.1% a year over the last 5 years and 5.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2017 | First Bank & Trust East Texas Diboll, TX | $1.0B |
| Dec 2014 | OmniAmerican Bank Fort Worth, TX | $1.3B |
| Sep 2008 | Fort Worth National Bank Fort Worth, TX, an affiliate under the same holding company | $166M |
| Sep 1987 | South Broadway Bank Tyler, TX, an affiliate under the same holding company | $26M |
Where they operate
58 branches in 21 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Smith County, TX | $3.1B | 34.5% | 1 of 28 |
| Tarrant County, TX | $1.2B | 1.9% | 8 of 74 |
| Angelina County, TX | $506M | 23.5% | 2 of 11 |
| Liberty County, TX | $162M | 10.6% | 3 of 10 |
| Gregg County, TX | $146M | 3.2% | 10 of 23 |
| Travis County, TX | $138M | 0.3% | 34 of 56 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (50 to 58, +16.0%). 8 opened, 17 acquired, 17 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 50 | |||
| 2016 | Opened TylerClosed Longview | 1 | 1 | 0 | 50 |
| 2017 | Acquired First Bank & Trust East TexasClosed Athens and Fort Worth | 17 | 2 | +15 | 65 |
| 2018 | Closed Tyler | 0 | 2 | −2 | 63 |
| 2019 | Opened Kingwood | 1 | 0 | +1 | 64 |
| 2020 | Opened AustinClosed 4 in Texas | 1 | 4 | −3 | 61 |
| 2021 | Opened Frisco and HoustonClosed 3 in Texas | 2 | 3 | −1 | 60 |
| 2023 | Closed Lufkin | 0 | 1 | −1 | 59 |
| 2024 | Closed Jasper and Kingwood | 0 | 2 | −2 | 57 |
| 2026 through Q2 | Opened 3 in TexasClosed Granbury and Tyler | 3 | 2 | +1 | 58 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 38% | |
| 1-4 family residential | 14% | 20% | |
| Multifamily | 13% | 3% | |
| Construction and land | 12% | 13% | |
| Business (C&I) | 9% | 15% | |
| Farmland | 1% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 8% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 48% | |
| Noninterest-bearing | 23% | 26% | |
| Time deposits | 21% | 26% |
Brokered deposits are 0.1% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.19% | 0.46% |
| Net charge-offs, annualized | 0.02% | 0.04% |
| Reserves to loans | 0.92% | 1.20% |
| Leverage ratio | 11.43% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Smith County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/southside