Southside Bank Mortgage Rates, Fees & Info

Tyler, TX

LEI: 549300BEM32ZRV7MJ178

Tax ID: 75-1046251

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Southside Bank is a smaller bank specializing in Home Purchase loans. Southside Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Tyler, Longview, Houston, and Austin among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Southside Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Southside Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.74% 11/17/24
    30 Year Conventional Refi 6.72% 11/17/24
    30 Year Cash-out Refi 7.02% 11/17/24
    30 Year FHA Purchase 7.45% 11/17/24
    30 Year VA Purchase 6.59% 11/17/24
    15 Year Conventional Purchase 6.04% 11/17/24
    15 Year Conventional Refi 6.43% 11/17/24
    15 Year Cash-out Refi 6.43% 11/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Southside Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Southside Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    790

    Origination Dollar Volume (All Markets)

    $181,630,000

    Employee count

    845 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 189 $56,635,000 $299,656 $4,648 4.18%
    TYLER, TX (FHA|USDA|VA) 219 $48,085,000 $219,566 $4,446 4.21%
    Outside of Metro Areas 99 $17,585,000 $177,626 $4,251 4.26%
    LONGVIEW, TX (FHA|USDA|VA) 73 $13,895,000 $190,342 $4,217 4.16%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 38 $10,420,000 $274,211 $4,928 4.37%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $8,350,000 $521,875 $6,849 4.52%
    Lufkin, TX (FHA|USDA|VA) 42 $6,250,000 $148,810 $3,968 4.54%
    Nacogdoches, TX (FHA|USDA|VA) 34 $5,030,000 $147,941 $3,755 4.62%
    WACO, TX (FHA|USDA|VA) 15 $3,595,000 $239,667 $3,514 4.66%
    Athens, TX (FHA|USDA|VA) 15 $2,945,000 $196,333 $4,821 4.18%
    Jacksonville, TX (FHA|USDA|VA) 12 $2,220,000 $185,000 $4,222 4.26%
    Granbury, TX (FHA|USDA|VA) 6 $1,430,000 $238,333 $3,730 3.96%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $755,000 $151,000 $3,446 4.02%
    Palestine, TX (FHA|USDA|VA) 7 $755,000 $107,857 $3,677 4.44%
    Mineral Wells, TX (FHA|USDA|VA) 2 $580,000 $290,000 $9,248 4.13%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $550,000 $137,500 $3,324 4.47%
    Altus, OK (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.75%
    ODESSA, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,941 3.13%
    Bay City, TX (FHA|USDA|VA) 1 $315,000 $315,000 $7,645 4.13%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,903 4.00%
    Rockport, TX (FHA|USDA|VA) 1 $235,000 $235,000 $4,001 4.13%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $205,000 $205,000 $6,020 4.88%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.88%
    Stephenville, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,293 4.75%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $125,000 $125,000 $0 5.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.75%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,538 3.50%
    Brownwood, TX (FHA|USDA|VA) 1 $75,000 $75,000 $3,912 6.00%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $35,000 $35,000 $2,182 3.88%
    Southside Bank's top markets include Dallas, Tyler, Longview, Houston, and Austin among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Southside Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    EAST TEXAS PROFESSIONAL Credit Union
    Similarity Rank: 48
    Gilmer National Bank Gilmer Texas
    Similarity Rank: 81
    KELLY COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 235
    Cooperative Teachers Credit Union
    Similarity Rank: 360
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 459
    MEMBERS CHOICE Credit Union
    Similarity Rank: 549
    SMART FINANCIAL CREDIT UNION
    Similarity Rank: 707
    TEXAS BAY
    Similarity Rank: 888
    AMERANT BANK, NATIONAL ASSOCIATION
    Similarity Rank: 1060
    SOUTHERN LENDING SERVICES, LTD.
    Similarity Rank: 1120

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 772 $178,550,000 $231,282 $4,429 4.28%
    FHA 11 $1,965,000 $178,636 $5,973 3.83%
    VA 7 $1,115,000 $159,286 $4,831 4.09%

    For 2019, Southside Bank's most frequently originated type of loan was Conventional, with 772 originations. Their 2nd most popular type was FHA, with 11 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 509 $126,405,000 $248,340 $4,709 4.29%
    Cash Out Refi 114 $22,210,000 $194,825 $4,413 4.34%
    Refi 92 $26,190,000 $284,674 $4,404 3.71%
    Home Improvement 52 $4,070,000 $78,269 $2,664 4.86%
    Other 23 $2,755,000 $119,783 $3,161 4.43%

    For 2019, Southside Bank's most frequently cited loan purpose was Home Purchase, with 509 originations. The 2nd most popular reason was Cash Out Refi, with 114 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 434 $107,360,000 $247,373 $4,504 4.25%
    15 Year 172 $34,330,000 $199,593 $4,120 3.90%
    20 Year 82 $13,090,000 $159,634 $3,767 4.47%
    10 Year 37 $7,845,000 $212,027 $2,446 4.07%
    Other 26 $6,070,000 $233,462 $10,835 5.53%
    30+ year 17 $8,285,000 $487,353 $10,679 4.28%
    5 Year 15 $2,805,000 $187,000 $0 5.62%
    1 Year 7 $1,845,000 $263,571 $0 5.93%

    For 2019, Southside Bank's most frequently cited loan duration was 30 Year, with 434 originations. The 2nd most popular length was 15 Year, with 172 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 341 $73,145,000 $214,501
    $1k-2k 235 $47,175,000 $200,745
    $2k-3k 54 $15,640,000 $289,630
    $3k-4k 23 $7,135,000 $310,217
    $5k+ 14 $10,970,000 $783,571
    $4k-5k 10 $4,950,000 $495,000

    Southside Bank's average total fees were $4,504, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 341 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 349 $84,395,000 $241,819
    4-5% 309 $75,965,000 $245,841
    5-6% 93 $15,905,000 $171,022
    6-7% 20 $1,800,000 $90,000
    2.5-3% 19 $3,565,000 $187,632

    During 2019, Southside Bank's average interest rate for loans was 4.25%, while their most frequently originated rate bucket for loans was 3-4%, with 349 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 264 $39,150,000 $148,295 $4,047 4.24%
    $200k-400k 234 $64,650,000 $276,282 $4,892 4.17%
    $100,000 or less 187 $12,835,000 $68,636 $2,588 4.54%
    $400k-600k 69 $32,335,000 $468,623 $6,240 4.03%
    $600k-1MM 29 $22,165,000 $764,310 $8,278 4.27%
    $1MM+ 7 $10,495,000 $1,499,286 $15,558 4.25%

    2019 saw Southside Bank place emphasis on $100k-200k loans with 264 originations, totaling $39,150,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 165 $36,735,000 $222,636 $4,543 4.19%
    $50k-75k 130 $17,380,000 $133,692 $3,684 4.16%
    $150k-250k 121 $36,885,000 $304,835 $5,091 4.23%
    $75k-100k 117 $19,905,000 $170,128 $4,198 4.22%
    $250k+ 89 $40,615,000 $456,348 $6,323 4.21%
    $50k or less 87 $7,505,000 $86,264 $2,989 4.21%

    Southside Bank lent most frequently to those with incomes in the $100k-150k range, with 165 originations. The second most popular income band? $50k-75k, with 130 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 196 $43,080,000 $219,796 $4,120 3.95%
    30-36% 147 $34,955,000 $237,789 $4,310 4.26%
    <20% 69 $17,705,000 $256,594 $4,920 3.94%
    41% 43 $11,235,000 $261,279 $5,519 4.57%
    42% 42 $9,860,000 $234,762 $4,409 4.23%
    38% 37 $7,315,000 $197,703 $4,522 4.06%
    40% 36 $7,450,000 $206,944 $3,948 4.29%
    36% 33 $7,135,000 $216,212 $4,723 4.17%
    39% 30 $8,140,000 $271,333 $4,874 4.25%
    37% 29 $8,695,000 $299,828 $4,759 4.33%
    43% 11 $1,155,000 $105,000 $3,657 4.10%
    44% 9 $1,475,000 $163,889 $4,814 3.92%
    46% 6 $1,240,000 $206,667 $4,713 4.19%
    47% 6 $1,180,000 $196,667 $3,340 4.44%
    49% 5 $1,375,000 $275,000 $6,138 4.23%
    45% 3 $495,000 $165,000 $2,894 4.17%
    48% 3 $545,000 $181,667 $6,128 4.50%
    50-60% 2 $390,000 $195,000 $7,093 3.75%

    Southside Bank lent most frequently to those with DTI ratios of 20-30%, with 196 originations. The next most common DTI ratio? 30-36%, with 147 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 616 $136,050,000 $220,860 $4,434 4.20%
    Not provided 81 $21,855,000 $269,815 $4,732 4.11%
    Not applicable 57 $16,475,000 $289,035 $5,472 5.08%
    Black 20 $4,320,000 $216,000 $4,127 4.75%
    Asian 10 $1,850,000 $185,000 $3,619 4.40%
    American Indian 5 $695,000 $139,000 $3,520 4.20%
    Korean 1 $385,000 $385,000 $7,702 3.88%

    Approval Rates

    Total approvals of all applications
    80.40%

    Southside Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    66.08%

    Southside Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 790 $181,630,000 $229,911

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $6,985,000 $635,000
    Single Family (1-4 Units):Manufactured 11 $1,095,000 $99,545
    Single Family (1-4 Units):Site-Built 768 $173,550,000 $225,977

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $7,510,000 $107,286 $2,879 3.98%
    40-60% 129 $27,865,000 $216,008 $4,258 3.99%
    60-80% 234 $61,310,000 $262,009 $4,816 4.30%
    80-100% 334 $82,930,000 $248,293 $4,768 4.34%
    Over 100% 2 $630,000 $315,000 $9,511 4.44%
    Under 20% 18 $1,290,000 $71,667 $1,722 5.53%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH Conventional home mortgage Trouble during payment process 1 25.0%
    SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH Home equity loan or line of credit (HELOC) Trouble during payment process 1 25.0%
    SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH Other type of mortgage Struggling to pay mortgage 1 25.0%
    SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Southside Bank 100 Rice Road Tyler, TX 75703 Full Service Retail $39,991
    Southside Bank 1000 Pennsylvania Avenue Fort Worth, TX 76104 Full Service B&M $77,105
    Southside Bank 1009 North University Dr Nacogdoches, TX 75961 Full Service B&M $96,623
    Southside Bank 1010 East First Street Tyler, TX 75701 Limited, Drive-thru $0
    Southside Bank 1015 S. Jackson Street Jacksonville, TX 75766 Full Service B&M $38,392
    Southside Bank 102 Timberland Highway Pineland, TX 75968 Full Service B&M $34,361
    Southside Bank 1030 East Highway 377 Granbury, TX 76048 Full Service B&M $30,542
    Southside Bank 104 North Temple Drive Diboll, TX 75941 Full Service B&M $86,044
    Southside Bank 111 Champion Drive Lufkin, TX 75901 Full Service B&M $24,992
    Southside Bank 113 North Nw Loop 323 Tyler, TX 75702 Full Service Retail $21,540
    Southside Bank 113 West Ferguson Street, Suite A Tyler, TX 75702 Full Service B&M $67,297
    Southside Bank 1201 South Beckham Ave Tyler, TX 75701 Full Service Cyber Office $2,576
    Southside Bank 1201 South Beckham Street Tyler, TX 75701 Full Service B&M $1,565,348
    Southside Bank 1204 W. Henderson St Cleburne, TX 76033 Full Service B&M $22,515
    Southside Bank 1217 East Marshall Longview, TX 75601 Full Service Retail $6,792
    Southside Bank 1250 South Capital Of Texas Highway, Bldg 1, Suite 101 West Lake Hills, TX 78746 Full Service B&M $15,136
    Southside Bank 1302 Tom Temple Lufkin, TX 75901 Limited, Mobile/Seasonal Office $753
    Southside Bank 1320 S. University Drive Fort Worth, TX 76107 Full Service B&M $117,671
    Southside Bank 1401 Walnut Hill Irving, TX 75038 Full Service B&M $24,778
    Southside Bank 14500 Old Us Highway 59 Splendora, TX 77372 Full Service B&M $41,288
    Southside Bank 1477 North Beaulah Street Hawkins, TX 75765 Full Service Retail $7,273
    Southside Bank 1616 W. Northwest Highway Grapevine, TX 76051 Full Service B&M $52,543
    Southside Bank 16691 Fm 2493 Tyler, TX 75703 Full Service B&M $28,017
    Southside Bank 200 East Crockett Street Cleveland, TX 77327 Full Service B&M $107,098
    Southside Bank 2001 Judson Road Longview, TX 75605 Full Service B&M $96,695
    Southside Bank 20100 Highway 155 South Flint, TX 75762 Full Service Retail $47,475
    Southside Bank 2020 Roseland Boulevard Tyler, TX 75701 Full Service Retail $11,190
    Southside Bank 204 East Lamar Street Jasper, TX 75951 Full Service B&M $92,603
    Southside Bank 2107 South Loop 256 Palestine, TX 75801 Full Service Retail $5,980
    Southside Bank 2111 W. Gentry Parkway Tyler, TX 75702 Limited, Drive-thru $0
    Southside Bank 2121 West Gentry Parkway Tyler, TX 75702 Full Service B&M $45,194
    Southside Bank 213 N Doctor M Roper Parkway, Bullard, TX 75757 Full Service Retail $16,760
    Southside Bank 2211 Three Lakes Parkway Tyler, TX 75703 Full Service B&M $40,373
    Southside Bank 2301 W Loop 281 Longview, TX 75604 Full Service Retail $7,075
    Southside Bank 2311 West Euless Blvd. Euless, TX 76040 Full Service B&M $52,447
    Southside Bank 2330 East Rosedale St. Fort Worth, TX 76105 Full Service B&M $16,798
    Southside Bank 2341 Justin Road Flower Mound, TX 75028 Full Service B&M $22,540
    Southside Bank 2395 Hg Mosley Pky Longview, TX 75604 Full Service B&M $14,862
    Southside Bank 2510 South Main Lindale, TX 75771 Full Service B&M $130,248
    Southside Bank 2510 West Frank Avenue Lufkin, TX 75904 Full Service B&M $193,335
    Southside Bank 2734 East 5th Street Tyler, TX 75701 Full Service Retail $7,243
    Southside Bank 275 West Gibson Jasper, TX 75951 Full Service B&M $7,225
    Southside Bank 2831 West Park Row Arlington, TX 76013 Full Service B&M $38,196
    Southside Bank 318 South Main St. Weatherford, TX 76086 Full Service B&M $46,851
    Southside Bank 321 N. Brentwood Drive Lufkin, TX 75904 Full Service B&M $12,738
    Southside Bank 3310 S. Loop 256 Palestine, TX 75801 Full Service B&M $25,150
    Southside Bank 3815 State Hwy 64 Tyler, TX 75704 Limited, Drive-thru $0
    Southside Bank 3828 Troup Highway Tyler, TX 75703 Full Service Retail $24,089
    Southside Bank 421 South El Camino Crossing San Augustine, TX 75972 Full Service B&M $28,642
    Southside Bank 521 South Main Lindale, TX 75771 Full Service Retail $21,850
    Southside Bank 541 South Timberland Drive Lufkin, TX 75901 Full Service B&M $36,908
    Southside Bank 6001 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $101,365
    Southside Bank 601 Highway 110 North Whitehouse, TX 75791 Full Service Retail $15,064
    Southside Bank 6019 S. Broadway Tyler, TX 75703 Full Service B&M $276,090
    Southside Bank 6801 South Broadway Tyler, TX 75701 Full Service Retail $17,440
    Southside Bank 703 State Highway 31 East Chandler, TX 75758 Full Service Retail $13,764
    Southside Bank 725 Sabine Street Hemphill, TX 75948 Full Service B&M $48,854
    Southside Bank 7800 White Settlement Rd. Fort Worth, TX 76108 Full Service B&M $137,031
    Southside Bank 8024 Denton Highway Watauga, TX 76148 Full Service B&M $80,263
    Southside Bank 8200 North Mo-Pac Expressway Austin, TX 78759 Full Service B&M $38,627
    Southside Bank 901 Hwy 110 N Whitehouse, TX 75791 Full Service B&M $114,858
    Southside Bank 901 West Main Gun Barrel City, TX 75156 Full Service B&M $33,580
    Southside Bank 950 West Arbrook Arlington, TX 76015 Full Service B&M $60,744

    For 2019, Southside Bank had 63 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $240,704
    Net interest income $178,158
    Total noninterest income $40,567
    Gross Fiduciary activities income $6,269
    Service charges on deposit accounts $26,038
    Trading account gains and fees $0
    Additional Noninterest Income $8,260
    Pre-tax net operating income $98,113
    Securities gains (or losses, -) $942
    Income before extraordinary items $83,466
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $83,466
    Minority interest net income $0
    Net income $83,466
    Sale, conversion, retirement of capital stock, net $2,388
    Net operating income $82,674

    Southside Bank's gross interest income from loans was $240,704,000.
    Southside Bank's net interest income from loans was $178,158,000.
    Southside Bank's fee based income from loans was $26,038,000.
    Southside Bank's net income from loans was $83,466,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $62,546
    Provision for credit losses $5,101
    Total noninterest expense $115,511
    Salaries and employee benefits $72,927
    Premises and equipment expense $13,398
    Additional noninterest expense $29,186
    Applicable income taxes $15,589
    Net charge-offs $7,323
    Cash dividends $50,000

    Southside Bank's interest expense for loans was $62,546,000.
    Southside Bank's payroll and benefits expense were $72,927,000.
    Southside Bank's property, plant and equipment expenses $13,398,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,712,936
    Deposits held in domestic offices $4,712,936
    Deposits by Individuals, partnerships, and corporations $3,713,908
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $950,870
    Deposits by Commercial banks and other depository institutions in U.S. $48,153
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $467,720
    Demand deposits $439,968
    Nontransaction accounts $4,245,216
    Money market deposit accounts (MMDAs) $1,046,169
    Other savings deposits (excluding MMDAs) $1,905,379
    Total time deposits $1,293,668
    Total time and savings deposits $4,272,968
    Noninterest-bearing deposits $1,050,279
    Interest-bearing deposits $3,662,657
    Retail deposits $3,891,716
    IRAs and Keogh plan accounts $85,985
    Brokered deposits $370,783
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,743,520
    Cash & Balances due from depository institutions $110,697
    Interest-bearing balances $43,748
    Total securities $2,499,425
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,543,790
    Loan and leases loss allowance $24,797
    Trading account assets $0
    Bank premises and fixed assets $151,676
    Other real estate owned $472
    Goodwill and other intangibles $214,278
    All other assets $223,182

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,743,520
    Total Liabilities $5,793,840
    Total deposits $4,712,936
    Interest-bearing deposits $3,662,657
    Deposits held in domestic offices $4,712,936
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $28,358
    Trading liabilities $0
    Other borrowed funds $982,918
    Subordinated debt $0
    All other liabilities $69,628

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,543,790
    Loan and leases loss allowance $24,797
    Total loans and leases (domestic) $3,568,587
    All real estate loans $2,683,101
    Real estate loans in domestic offices $2,683,101
    Construction and development loans $644,948
    Residential 1-4 family construction $135,767
    Other construction, all land development and other land $509,181
    Loans secured by nonfarm nonresidential properties $1,131,418
    Nonfarm nonresidential secured by owner-occupied properties $293,053
    Commercial real estate & other non-farm, non-residential $838,365
    Multifamily residential real estate $99,832
    1-4 family residential loans $787,945
    Farmland loans $18,958
    Loans held in foreign offices $0
    Farm loans $32,228
    Commercial and industrial loans $351,222
    To non-U.S. addressees $0
    Loans to individuals $98,310
    Credit card loans $0
    Related Plans $5,254
    Consumer Auto Loans $39,706
    Other loans to individuals $53,350
    All other loans & leases $403,726
    Loans to foreign governments and official institutions $0
    Other loans $19,766
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $2,953
    Loans secured by real estate to non-U.S. addressees $1,617
    Restructured Loans & leases $9,843
    Non 1-4 family restructured loans & leases $9,316
    Total loans and leases (foreign) $0

    Southside Bank had $3,543,790,000 of loans outstanding in 2019. $2,683,101,000 of loans were in real estate loans. $644,948,000 of loans were in development loans. $99,832,000 of loans were in multifamily mortgage loans. $787,945,000 of loans were in 1-4 family mortgage loans. $32,228,000 of loans were in farm loans. $0 of loans were in credit card loans. $39,706,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 653 $137,105 $209,962
    Nonfarm, nonresidential loans - <$100k 150 $6,638 $44,253
    Nonfarm, nonresidential loans - $100-250k 202 $23,876 $118,198
    Nonfarm, nonresidential loans - $250k-1MM 301 $106,591 $354,123
    Commercial & Industrial, US addressed loans - <$1MM 1,864 $120,207 $64,489
    Commercial & Industrial, US addressed loans - <$100k 1,322 $29,043 $21,969
    Commercial & Industrial, US addressed loans - $100-250k 306 $28,766 $94,007
    Commercial & Industrial, US addressed loans - $250k-1MM 236 $62,398 $264,398
    Farmland loans - <$1MM 99 $8,610 $86,970
    Farmland loans - <$100k 56 $1,831 $32,696
    Farmland loans - $100-250k 29 $3,293 $113,552
    Farmland loans - $250k-1MM 14 $3,486 $249,000
    Agriculture operations loans - <$1MM 472 $15,737 $33,341
    Agriculture operations loans - <$100k 421 $9,080 $21,568
    Agriculture operations loans - $100-250k 42 $4,687 $111,595
    Agriculture operations loans - $250k-1MM 9 $1,970 $218,889