---
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"
generated_at: "2026-05-27T07:34:24.257659+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Southside Bancshares Q4 net income $21.8M ($0.71 EPS), up 25.8% YoY; FY EPS $2.91

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000705432-25-000003
- JSON: https://secwatch.observer/filing/0000705432-25-000003.json
- Plain text: https://secwatch.observer/filing/0000705432-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.