---
schema_version: "secwatch.filing_event.v1"
accession: "0000705432-25-000203"
form_type: "8-K"
ticker: "SBSI"
cik: "0000705432"
company_name: "SOUTHSIDE BANCSHARES INC"
filed_at: "2025-10-24T23:59:59+00:00"
generated_at: "2026-05-17T02:23:40.622411+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Southside Bancshares Q3 net income down 76% to $4.9M on $24.4M securities loss

## Summary
- Net income $4.9M ($0.16 diluted EPS) vs $20.5M ($0.68) in Q3 2024; net interest income $55.7M.
- Sold $325M of low-yield AFS securities at $24.4M loss; issued $150M subordinated debt at 7.00%.
- Loans grew $163.4M QoQ; deposits +$329.6M; NIM (tax-equiv) flat at 2.94%.
- Nonperforming assets rose to $35.6M (0.42% of assets) vs $7.7M a year ago, largely a $27.5M restructured CRE loan.
- Board authorized additional 1M share buyback; Q3 repurchased 26,692 shares at avg $30.24.

## SEC filing metadata
- accession: 0000705432-25-000203
- form_type: 8-K
- ticker: SBSI
- cik: 0000705432
- company_name: SOUTHSIDE BANCSHARES INC
- filed_at: 2025-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/705432/000070543225000203/0000705432-25-000203-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/705432/000070543225000203/sbsi-20251024.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000705432-25-000203
- JSON: https://secwatch.observer/filing/0000705432-25-000203.json
- Plain text: https://secwatch.observer/filing/0000705432-25-000203.txt

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