Southside Bancshares Q2 net income $21.8M ($0.72 EPS) down 11% YoY; NIM expands to 2.82%

SOUTHSIDE BANCSHARES INC

2025-Q2 EPS reported $1.42

Net income $21.8M, down 11.6% from $24.7M; diluted EPS $0.72 vs $0.81 YoY.
Tax-equivalent NIM increased 9 bps QoQ to 2.95%; net interest income $54.3M, up 1.2% YoY.
Nonperforming assets rose to $32.9M (0.39% of assets) from $6.9M (0.08%) YoY, primarily due to $27.4M restructured loan.
Deposits up $41.1M QoQ to $6.63B; loans up $34.7M QoQ; management expects 3-4% loan growth for full-year 2025.
Repurchased 424,435 shares at avg $28.13 in Q2; Q2 dividend $0.36 per share paid June 5.

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