Southside Bancshares Inc (NYSE: SBSI) is a Texas-based bank holding company that operates Southside Bank, a wholly owned Texas state-chartered bank. The company generates revenue primarily through net interest income on loans and investment securities, funded by customer deposits, and through fee-based noninterest income. Southside Bank serves retail and commercial customers across Texas, with its geographic footprint concentrated in the state. The company acquired OmniAmerican Bancorp and its subsidiary OmniAmerican Bank on December 17, 2014, expanding its Texas presence. Southside Bancshares files as a well-known seasoned issuer under the Securities Exchange Act and its common stock trades on the New York Stock Exchange under the ticker SBSI. The 10-K covering fiscal year ended December 31, 2025 was filed with the SEC on February 27, 2026.

Revenue model

Net interest income earned on loans and investment securities funded by customer deposits, supplemented by noninterest fee income from banking services.

Products and services

Commercial and retail banking services, certificates of deposit, ATM services, bank-owned life insurance (BOLI), and deposit products through Southside Bank.

Customers and end markets

Retail depositors and commercial borrowers in Texas, served through Southside Bank.

Value-chain role

Bank holding company and operator of a Texas state-chartered commercial bank, accepting deposits and originating loans.

Geographic exposure

Texas, United States, based on the Texas state charter of Southside Bank and the acquisition history described in the FY2025 10-K filed February 27, 2026.

Source: SEC 10-K, filed 2026-02-27

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