Southside Bancshares (SBSI) Conference presentation summary

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.