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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Southside Bancshares
Southside Bancshares (SBSI) investor relations material
Southside Bancshares Conference presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Conference presentation summary10 Nov, 2026
Business profile and priorities
Texas-focused, full-service bank founded in 1960; 55 branches, including 12 grocery-store locations, and 807 employees.
Branch footprint spans East Texas, Dallas/Fort Worth, Southeast Texas, Austin and Houston; Houston presence expanded with a full-service Woodlands branch in 2026.
2026 priorities include organic loan and non-maturity deposit growth, metro-market wealth expansion, asset quality, digital and operational efficiencies, customer experience and acquisition targets.
Financial performance
Q3 2026 net income was $27.976M, up 3.3% QoQ; diluted EPS was $0.93 vs. $0.90 in Q2 and $0.16 in Q3 2025.
9M 2026 net income rose 61.9% YoY to $78.072M; diluted EPS increased 64.2% to $2.61 from $1.59.
9M ROAA was 1.20% vs. 0.77% YoY; FTE efficiency ratio was 53.13% vs. 53.89%.
Q3 FTE net interest margin was 3.02%, up from 2.90% in Q2; Q3 FTE efficiency ratio improved to 51.55% from 52.96%.
Balance sheet and funding
At Q3 2026, total assets were $8.865B, loans excluding HFS were $4.959B, deposits were $6.014B and equity was $843M.
Deposits comprised 45% interest-bearing demand, 23% noninterest-bearing, 13% savings, 16% jumbo time and 3% retail time.
Securities totaled $2.831B; residential securities were 53% of the portfolio and state and political subdivision securities were 43%.
Available liquidity lines totaled $1.86B as of September 30, 2026.
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Latest events from Southside Bancshares
- Q3 margin rose, while CRE payoffs and deposit outflows tempered growth.SBSI
Q3 2026 - Double-digit profit growth, strong asset quality, and expanding Texas presence define 2026.SBSIConference presentation
- Double-digit earnings growth, strong asset quality, and strategic expansion define recent performance.SBSIConference presentation
- Q2 2026 net income up 23% year-over-year, with strong asset quality and improved efficiency.SBSIQ2 2026
- Q1 2026 saw solid earnings growth, strong asset quality, and continued expansion initiatives.SBSIInvestor presentation
- Strong asset quality, robust capital, and strategic growth initiatives define the outlook.SBSIAGM presentation
- Q1 2026 saw strong earnings, asset quality, and capital, with a focus on growth and digital strategy.SBSIInvestor presentation
- Net income up 10.8% to $23.3M, with strong loan growth, NIM, and asset quality.SBSIQ1 2026
- Annual meeting seeks approval for director elections, compensation, new preferred stock, and auditor.SBSIProxy filing
Next Southside Bancshares earnings date
Q4 202629 Jan, 2027
Southside Bancshares
Next Southside Bancshares earnings date
Q4 202629 Jan, 2027
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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.