Southside Bancshares (SBSI) Conference presentation summary

Executive leadership and management

• Leadership team averages over 20 years of banking experience, with recent executive transitions.

• President and CEO Keith Donahoe appointed in 2024, bringing extensive industry background.

• CFO Julie Shamburger has over 40 years with the institution, ensuring continuity.

Company overview and market presence

• Founded in 1960, headquartered in Tyler, TX, with 55 branches across Texas, including 12 in grocery stores.

• Holds leading deposit market share in Smith and Angelina counties, with significant presence in major Texas MSAs.

• Serves a diverse customer base with consumer, commercial, mortgage, wealth management, and trust services.

• Recognized as one of the "Best Banks to Work For" for four consecutive years.

Financial performance and profitability

• Net income for the first half of 2026 was $50.1 million, up 15.6% year-over-year.

• Diluted EPS for the same period rose to $1.68, an 18.3% increase.

• ROAA improved to 1.16% and ROATCE to 15.26% for the six months ended June 2026.

• Efficiency ratio remained stable at 53.97%, reflecting operational discipline.