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Southside Bancshares (SBSI) investor relations material

Southside Bancshares Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary24 Oct, 2025

Executive summary

  • Net income for Q3 was $4.9 million, down over 76% year-over-year, mainly due to a $24.4 million net loss on sale of AFS securities and higher noninterest expenses, with proceeds funding loan growth and reinvestment in higher-yielding assets.

  • For the nine months ended September 30, 2025, net income was $48.2 million, a 27.7% decrease from the prior year, driven by lower noninterest income and higher expenses.

  • Loan growth was robust, with a $163 million increase linked quarter and $500 million in new loan production, much of it closing late in the quarter.

  • Deposits increased $329.6 million sequentially, driven by brokered and commercial/retail deposits.

  • Announced CEO retirement at year-end, with succession plan in place.

Financial highlights

  • Net interest income for Q3 was $55.7 million, up 0.5% year-over-year and 2.7% linked quarter; net interest margin was 2.94%, down 1 basis point year-over-year.

  • Diluted EPS was $0.16 for Q3, down from $0.68 year-over-year and $0.56 linked quarter.

  • Noninterest income (excluding securities loss) rose 22.8% year-over-year in Q3 to $12.4 million, mainly from trust fees.

  • Noninterest expense increased 3.3% year-over-year in Q3 to $37.5 million, but fell 4.4% linked quarter due to lower branch and software costs.

  • Allowance for credit losses was $48.5 million, or 0.95% of total loans, at September 30, 2025.

Outlook and guidance

  • Management expects net interest margin and net interest income to improve in Q4, benefiting from securities restructuring and loan growth.

  • Noninterest expense projected around $38 million for Q4.

  • Anticipate double-digit trust fee growth in 2026 and expansion of wealth management into metro markets.

  • Management expects at least two Fed rate cuts in 2026, with potential for more depending on economic conditions.

  • Plans to open a new branch in Tyler, Texas in 2026.

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Frequently asked questions

Southside Bancshares Inc. is a bank holding company providing personal and commercial banking services. Its offerings include loans, deposits, wealth management, and online banking solutions to individuals and businesses. The company is headquartered in Tyler, Texas, and its shares are listed on the NASDAQ.

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