---
schema_version: "secwatch.filing_event.v1"
accession: "0000705432-26-000006"
form_type: "8-K"
ticker: "SBSI"
cik: "0000705432"
company_name: "SOUTHSIDE BANCSHARES INC"
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:41:33.205753+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000705432-26-000006
- form_type: 8-K
- ticker: SBSI
- cik: 0000705432
- company_name: SOUTHSIDE BANCSHARES INC
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/705432/000070543226000006/0000705432-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/705432/000070543226000006/sbsi-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000705432-26-000006
- JSON: https://secwatch.observer/filing/0000705432-26-000006.json
- Plain text: https://secwatch.observer/filing/0000705432-26-000006.txt

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