TellerScore

Southside Bank (FDIC certificate #18297) is based in Tyler, Texas. Its Q2 2026 call report shows $8.8B in total assets and $6.2B in deposits and 58 offices.

Southside Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 154th. Problem-loan coverage contributes the most (98/100, 0.9%); funding & liquidity contributes the least (50/100, 79% loans-to-deposits, 43% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.43%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 79.4% · 42.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.86%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

TellerScore
737576Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202573
Q2 202575
Q3 202574
Q4 202574
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%8.34%11.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.42%
Q3 202410.60%
Q4 202410.55%
Q1 202510.46%
Q2 202511.09%
Q3 202511.42%
Q4 202511.67%
Q1 202611.42%
Q2 202611.43%
Noncurrent loans
0.07%0.14%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.16%
Q4 20240.07%
Q1 20250.09%
Q2 20250.11%
Q3 20250.17%
Q4 20250.22%
Q1 20260.19%
Q2 20260.19%
Return on assets
0.89%1.12%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.17%
Q4 20241.16%
Q1 20251.13%
Q2 20251.14%
Q3 20250.89%
Q4 20250.97%
Q1 20261.30%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$8.8B11.43%0.19%1.35%79.4%
Q1 202676$8.8B11.42%0.19%1.30%71.3%
Q4 202574$8.5B11.67%0.22%0.97%68.8%
Q3 202574$8.4B11.42%0.17%0.89%66.8%
Q2 202575$8.3B11.09%0.11%1.14%68.7%
Q1 202573$8.3B10.46%0.09%1.13%68.3%
Q4 202474$8.5B10.55%0.07%1.16%69.2%
Q3 202474$8.4B10.60%0.16%1.17%70.3%
Q2 202474$8.4B10.42%0.13%1.22%69.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.43%
68th
Total risk-based capital17.10%
83rd
Problem loans0.19%
78th
Net charge-offs0.02%
57th
Return on assets1.35%
59th
Net interest margin3.09%
19th
Efficiency ratio51.0%
75th
Loans to deposits79.4%
69th
Uninsured deposits42.8%
21st
Loan-loss reserves0.92%
22nd
Texas ratio0.9%
85th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Woodforest National BankBank The Woodlands, TX60 out of 100, Moderate$9.0B9.3%1.93%vs
Tbk Bank, SSBBank Dallas, TX52 out of 100, Below average$7.4B9.9%1.65%vs
Third Coast BankBank Humble, TX71 out of 100, Strong$6.7B11.4%0.50%vs
The American National Bank of TexasBank Terrell, TX61 out of 100, Moderate$5.5B8.8%0.23%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
City BankBank Lubbock, TX75 out of 100, Strong$5.4B10.8%0.25%vs

Deposit insurance

Is my money safe at Southside Bank?

Yes. Southside Bank is an FDIC-insured institution (FDIC certificate #18297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.8% of deposits ($2.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.10% (benchmark: 10%).

Check how much of your own balance is covered

58 locations

Branches

Southside Bank lists 55 offices in 34 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Southside Bank reported 739 home-loan applications under HMDA (LEI 549300BEM32ZRV7MJ178): 312 originated ($106,440,000 total), 230 denied, and 194 withdrawn or closed by the applicant. Its denial rate on decided applications was 42.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Southside Bank
Former names
Southside State Bank
Type
State-chartered bank
FDIC certificate #
18297
RSSD ID
361167
Primary regulator
FDIC
Holding company
Southside Bancshares Inc
Established
October 3, 1960
Headquarters
1201 S Beckham Ave, Tyler, TX 75701
Employees
802

Quick answers

Southside Bank: common questions

Is Southside Bank FDIC insured?

Yes. Southside Bank is an FDIC-insured institution (FDIC certificate #18297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Southside Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Southside Bank ever failed?

There is no failure record for FDIC certificate #18297 in the FDIC failed bank list.

How many branches does Southside Bank have?

58 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tyler

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Highway Employees Credit UnionCredit union Tyler, TX81 out of 100, Strong$1.8M29.2%0.04%vs