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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.
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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