{"schema_version":"secwatch.filing_event.v1","accession":"0000705432-25-000003","form_type":"8-K","ticker":"SBSI","cik":"0000705432","company_name":"SOUTHSIDE BANCSHARES INC","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.100323+00:00","generated_at":"2026-05-27T07:34:24.257659+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Southside Bancshares Q4 net income $21.8M ($0.71 EPS), up 25.8% YoY; FY EPS $2.91","bullets":["Q4 net income $21.8M, EPS $0.71 vs $0.57 YoY; FY net income $88.5M, EPS $2.91 vs $2.82.","Net interest margin (tax-equiv) 2.83%, down 16bp YoY; efficiency ratio 56.08% vs 53.30% YoY.","Nonperforming assets 0.04% of total assets; classified loans $48M vs $19.2M at Dec 2023.","Loans grew 3.0% YoY to $4.66B; deposits up 1.6% to $6.65B; Q4 dividend $0.36/share.","No share repurchases in Q4; total contingent liquidity $2.23B net of borrowings."],"urls":{"canonical":"https://secwatch.observer/filing/0000705432-25-000003","json":"https://secwatch.observer/filing/0000705432-25-000003.json","markdown":"https://secwatch.observer/filing/0000705432-25-000003.md","text":"https://secwatch.observer/filing/0000705432-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/705432/000070543225000003/0000705432-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/705432/000070543225000003/sbsi-20250129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:34:24.257659+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}