Side-by-side · Q2 2026 data
Sabine State Bank and Trust Company vs Southside Bank
Metric by metric
| Measure | Sabine State Bank and Trust Company | Southside Bank |
|---|---|---|
| TellerScore | 52 | 75 (stronger) |
| Capital cushion | 33 | 64 (stronger) |
| Loan quality | 45 | 94 (stronger) |
| Earnings | 90 (stronger) | 74 |
| Funding & liquidity | 47 | 50 (stronger) |
| Problem-loan coverage | 60 | 98 (stronger) |
| Peer percentile | 9th | 77th |
| Total assets | $1.3B | $8.8B |
| Deposits / shares | $1.2B | $6.2B |
| Capital ratio | 8.28% | 11.43% (stronger) |
| Problem loans | 1.66% | 0.19% (stronger) |
| Net charge-offs | 0.08% | 0.02% (stronger) |
| Return on assets | 1.74% (stronger) | 1.35% |
| Loans ÷ deposits | 88.7% | 79.4% (stronger) |
| Uninsured deposits | 36.9% (stronger) | 42.8% |
| Offices | 51 | 55 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.2% |
Southside Bank has the higher TellerScore (75 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sabine State Bank and Trust Company leads on 2 and Southside Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hemphill, TX
- Jasper, TX