Southside Bancshares Q4 net income falls 3.7% to $21M; AFS restructuring yields $7.3M loss

SOUTHSIDE BANCSHARES INC

2025-FY EPS reported $2.29

Net income $21.0M ($0.70 diluted EPS) for Q4 2025, down 3.7% YoY; full year $69.2M ($2.29), down 21.8%.
Tax-equivalent net interest margin improved 4 bps linked quarter to 2.98%; net interest income +$1.5M QoQ.
Sold $82M of lower-yielding municipals at $7.3M loss in Q4; full year AFS securities losses $32.3M vs $2.5M in 2024.
Nonperforming assets rose to 0.45% of total assets from 0.04% a year ago, driven by $27.5M restructured CRE loan.
Plans to redeem $93M subordinated notes due 2030 (7.51% rate) on Feb 15, 2026.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.