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AI brief of an SEC Form 8-K · Southside Bancshares (SBSI)

Southside Bancshares Q4 net income falls 3.7% to $21.0 million on securities loss

Mixed Impact 3 of 5 earnings Written later

Southside Bancshares reported fourth-quarter 2025 net income of $21.0 million, down 3.7% from $21.8 million a year earlier, with diluted EPS of $0.70 versus $0.71. The decline came from a $7.3 million loss on the sale of available-for-sale securities, which offset higher net interest income of $57.2 million. For the full year, net income fell 21.8% to $69.2 million and diluted EPS fell to $2.29 from $2.91.

Key points

  • Q4 2025 net income $21.0 million vs. $21.8 million in Q4 2024; diluted EPS $0.70 vs. $0.71
  • Q4 2025 included a $7.3 million net loss on sale of AFS securities, after roughly $82 million of municipal securities were sold at the end of October
  • Full-year 2025 net income $69.2 million, down 21.8%; diluted EPS $2.29 vs. $2.91 in 2024
  • Net interest margin rose four basis points linked quarter to 2.98% (tax-equivalent); $93 million of subordinated notes to be redeemed February 15, 2026

The filing

CompanySouthside Bancshares (SBSI)
Form8-K, current report
Filed with the SECJan 28, 2026, 6:05 PM ET
Accession number0000705432-26-000006

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:59 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 28, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.