---
schema_version: "secwatch.filing_event.v1"
accession: "0000705432-25-000141"
form_type: "8-K"
ticker: "SBSI"
cik: "0000705432"
company_name: "SOUTHSIDE BANCSHARES INC"
filed_at: "2025-07-25T23:59:59+00:00"
generated_at: "2026-05-18T01:40:32.742623+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000705432-25-000141
- form_type: 8-K
- ticker: SBSI
- cik: 0000705432
- company_name: SOUTHSIDE BANCSHARES INC
- filed_at: 2025-07-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/705432/000070543225000141/0000705432-25-000141-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/705432/000070543225000141/sbsi-20250725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000705432-25-000141
- JSON: https://secwatch.observer/filing/0000705432-25-000141.json
- Plain text: https://secwatch.observer/filing/0000705432-25-000141.txt

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