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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • 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 and Refi 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, Austin, Longview, and Houston among others. We have data for 29 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% 12/3/24
    30 Year Conventional Refi 6.72% 12/3/24
    30 Year Cash-out Refi 7.02% 12/3/24
    30 Year FHA Purchase 7.45% 12/3/24
    30 Year VA Purchase 6.59% 12/3/24
    15 Year Conventional Purchase 6.04% 12/3/24
    15 Year Conventional Refi 6.43% 12/3/24
    15 Year Cash-out Refi 6.43% 12/3/24
    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

    1,027

    Origination Dollar Volume (All Markets)

    $264,925,000

    Employee count

    835

    Awards

    Southside Bank 30 Year Conventional Loans silver Southside Bank 30 Year Conventional Loans silver
    Show all (2) 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) 286 $90,570,000 $316,678 $5,264 3.37%
    TYLER, TX (FHA|USDA|VA) 241 $52,675,000 $218,568 $4,358 3.37%
    Outside of Metro Areas 115 $22,675,000 $197,174 $4,637 3.57%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 34 $21,720,000 $638,824 $7,784 3.44%
    LONGVIEW, TX (FHA|USDA|VA) 78 $18,970,000 $243,205 $4,328 3.28%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 45 $12,285,000 $273,000 $5,418 3.75%
    Lufkin, TX (FHA|USDA|VA) 72 $11,520,000 $160,000 $4,115 3.70%
    Nacogdoches, TX (FHA|USDA|VA) 45 $8,045,000 $178,778 $3,475 3.67%
    Athens, TX (FHA|USDA|VA) 23 $4,675,000 $203,261 $4,375 3.42%
    Jacksonville, TX (FHA|USDA|VA) 23 $4,225,000 $183,696 $4,638 3.42%
    Granbury, TX (FHA|USDA|VA) 20 $3,840,000 $192,000 $4,035 3.43%
    Edwards, CO (FHA|USDA|VA) 2 $3,620,000 $1,810,000 $3,291 3.50%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $2,035,000 $678,333 $3,798 3.54%
    WACO, TX (FHA|USDA|VA) 6 $1,320,000 $220,000 $4,156 3.79%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $1,195,000 $239,000 $6,334 3.60%
    Palestine, TX (FHA|USDA|VA) 15 $1,065,000 $71,000 $3,740 4.22%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $9,284 3.63%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $515,000 $515,000 $6,128 3.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $500,000 $250,000 $3,166 2.88%
    Gainesville, TX (FHA|USDA|VA) 1 $495,000 $495,000 $3,739 4.50%
    ODESSA, TX (FHA|USDA|VA) 1 $465,000 $465,000 $3,706 3.25%
    MISSOULA, MT (FHA|USDA|VA) 1 $355,000 $355,000 $4,256 3.13%
    AMARILLO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $3,619 3.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.22%
    Stephenville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,135 3.75%
    Mineral Wells, TX (FHA|USDA|VA) 1 $175,000 $175,000 $6,344 3.50%
    Brownwood, TX (FHA|USDA|VA) 1 $85,000 $85,000 $4,165 3.13%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.38%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 5.00%
    Southside Bank's top markets include Dallas, Tyler, Austin, Longview, and Houston among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Montana (FHA|USDA|VA)
  • Louisiana (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.

    Cooperative Teachers Credit Union
    Similarity Rank: 112
    EAST TEXAS PROFESSIONAL Credit Union
    Similarity Rank: 442
    KELLY COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 567
    United Heritage Credit Union
    Similarity Rank: 657
    RESIDENTIAL BANCORP
    Similarity Rank: 1392
    AAXY L.L.C.
    Similarity Rank: 1449
    CADENCE LENDING GROUP, INC.
    Similarity Rank: 1480
    MEMBERS CHOICE Credit Union
    Similarity Rank: 1824
    SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C
    Similarity Rank: 1832
    Shea Mortgage Inc.
    Similarity Rank: 1848

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,023 $263,975,000 $258,040 $4,741 3.46%
    FHA 3 $655,000 $218,333 $6,821 3.79%
    VA 1 $295,000 $295,000 $3,445 3.63%

    For 2020, Southside Bank's most frequently originated type of loan was Conventional, with 1,023 originations. Their 2nd most popular type was FHA, with 3 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 457 $144,405,000 $315,985 $5,856 3.63%
    Refi 303 $69,295,000 $228,696 $3,746 3.16%
    Cash Out Refi 248 $49,410,000 $199,234 $4,306 3.50%
    Home Improvement 15 $1,545,000 $103,000 $2,787 3.98%
    Other 4 $270,000 $67,500 $2,234 3.59%

    For 2020, Southside Bank's most frequently cited loan purpose was Home Purchase, with 457 originations. The 2nd most popular reason was Refi, with 303 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 534 $143,750,000 $269,195 $4,389 3.43%
    15 Year 170 $34,440,000 $202,588 $4,073 3.24%
    20 Year 152 $28,560,000 $187,895 $3,869 3.42%
    30+ year 68 $38,300,000 $563,235 $12,078 3.70%
    10 Year 53 $8,025,000 $151,415 $2,754 3.26%
    5 Year 29 $4,965,000 $171,207 $0 4.47%
    Other 19 $6,565,000 $345,526 $7,738 4.69%
    1 Year 2 $320,000 $160,000 $0 5.25%

    For 2020, Southside Bank's most frequently cited loan duration was 30 Year, with 534 originations. The 2nd most popular length was 15 Year, with 170 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 580 $133,570,000 $230,293
    $1k-2k 177 $34,485,000 $194,831
    $2k-3k 51 $18,035,000 $353,627
    $3k-4k 47 $15,365,000 $326,915
    $5k+ 31 $27,485,000 $886,613
    $4k-5k 27 $12,175,000 $450,926

    Southside Bank's average total fees were $4,389, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 580 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 591 $176,155,000 $298,063
    2.5-3% 274 $57,350,000 $209,307
    4-5% 118 $23,880,000 $202,373
    <2.5% 23 $5,085,000 $221,087
    5-6% 19 $2,325,000 $122,368
    6-7% 2 $130,000 $65,000

    During 2020, Southside Bank's average interest rate for loans was 3.43%, while their most frequently originated rate bucket for loans was 3-4%, with 591 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 349 $51,335,000 $147,092 $3,822 3.38%
    $200k-400k 332 $92,750,000 $279,367 $4,770 3.43%
    $100,000 or less 181 $12,125,000 $66,989 $2,744 3.66%
    $400k-600k 102 $47,890,000 $469,510 $6,587 3.45%
    $600k-1MM 47 $36,005,000 $766,064 $10,063 3.54%
    $1MM+ 16 $24,820,000 $1,551,250 $17,669 3.62%

    2020 saw Southside Bank place emphasis on $100k-200k loans with 349 originations, totaling $51,335,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 234 $55,970,000 $239,188 $4,519 3.49%
    $150k-250k 176 $56,570,000 $321,420 $5,444 3.44%
    $50k-75k 164 $25,020,000 $152,561 $3,707 3.37%
    $75k-100k 148 $27,930,000 $188,716 $4,245 3.39%
    $250k+ 125 $68,615,000 $548,920 $7,989 3.44%
    $50k or less 106 $11,270,000 $106,321 $3,325 3.34%

    Southside Bank lent most frequently to those with incomes in the $100k-150k range, with 234 originations. The second most popular income band? $150k-250k, with 176 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 252 $59,440,000 $235,873 $4,471 3.37%
    30-36% 214 $54,930,000 $256,682 $4,381 3.42%
    <20% 113 $29,565,000 $261,637 $4,462 3.26%
    38% 59 $15,705,000 $266,186 $4,983 3.42%
    42% 56 $21,270,000 $379,821 $6,796 3.52%
    41% 41 $15,455,000 $376,951 $6,133 3.37%
    36% 40 $8,230,000 $205,750 $4,699 3.36%
    40% 39 $8,885,000 $227,821 $4,704 3.52%
    37% 38 $8,530,000 $224,474 $4,591 3.58%
    39% 38 $9,550,000 $251,316 $5,399 3.43%
    43% 17 $3,825,000 $225,000 $4,270 3.16%
    44% 13 $2,445,000 $188,077 $4,470 3.40%
    48% 13 $2,075,000 $159,615 $4,027 3.82%
    46% 9 $2,225,000 $247,222 $4,047 3.50%
    49% 8 $3,170,000 $396,250 $6,092 3.27%
    45% 6 $1,240,000 $206,667 $3,653 3.04%
    47% 4 $860,000 $215,000 $5,364 3.16%
    >60% 1 $55,000 $55,000 $0 6.25%

    Southside Bank lent most frequently to those with DTI ratios of 20-30%, with 252 originations. The next most common DTI ratio? 30-36%, with 214 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 782 $190,460,000 $243,555 $4,596 3.40%
    Not provided 152 $47,770,000 $314,276 $5,254 3.51%
    Not applicable 50 $14,200,000 $284,000 $0 4.32%
    Black 29 $7,655,000 $263,966 $5,929 3.62%
    Asian 12 $4,460,000 $371,667 $5,655 3.18%
    American Indian 2 $380,000 $190,000 $3,921 3.75%

    Approval Rates

    Total approvals of all applications
    75.89%

    Southside Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    54.72%

    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 1,027 $264,925,000 $257,960

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $335,000 $335,000
    Multifamily:Site-Built 8 $6,550,000 $818,750
    Single Family (1-4 Units):Manufactured 11 $1,175,000 $106,818
    Single Family (1-4 Units):Site-Built 1,007 $256,865,000 $255,079

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 76 $9,630,000 $126,711 $3,169 3.24%
    40-60% 198 $46,600,000 $235,354 $4,170 3.19%
    60-80% 414 $115,430,000 $278,816 $4,955 3.49%
    80-100% 321 $92,585,000 $288,427 $5,431 3.64%
    Under 20% 17 $665,000 $39,118 $1,583 3.70%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    SOUTHSTATE CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 14.3%
    SOUTHSTATE CORPORATION Conventional home mortgage Struggling to pay mortgage 1 14.3%
    SOUTHSTATE CORPORATION Conventional home mortgage Trouble during payment process 5 71.4%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Southside Bank 2510 West Frank Avenue Lufkin, TX 75904 Full Service B&M $238,338
    Southside Bank 100 Rice Road Tyler, TX 75703 Full Service Retail $47,277
    Southside Bank 1000 Pennsylvania Avenue Fort Worth, TX 76104 Full Service B&M $83,976
    Southside Bank 1009 North University Dr Nacogdoches, TX 75961 Full Service B&M $102,628
    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 $56,579
    Southside Bank 102 Timberland Highway Pineland, TX 75968 Full Service B&M $34,801
    Southside Bank 1030 East Highway 377 Granbury, TX 76048 Full Service B&M $34,615
    Southside Bank 104 North Temple Drive Diboll, TX 75941 Full Service B&M $107,356
    Southside Bank 111 Champion Drive Lufkin, TX 75901 Full Service B&M $31,387
    Southside Bank 113 North Nw Loop 323 Tyler, TX 75702 Full Service Retail $25,126
    Southside Bank 113 West Ferguson Street, Suite A Tyler, TX 75702 Full Service B&M $58,191
    Southside Bank 1201 South Beckham Ave Tyler, TX 75701 Full Service Cyber Office $5,977
    Southside Bank 1201 South Beckham Street Tyler, TX 75701 Full Service B&M $1,688,688
    Southside Bank 1204 W. Henderson St Cleburne, TX 76033 Full Service B&M $22,797
    Southside Bank 1217 East Marshall Longview, TX 75601 Full Service Retail $8,133
    Southside Bank 1250 South Capital Of Texas Highway, Bldg 1, Suite 101 West Lake Hills, TX 78746 Full Service B&M $20,864
    Southside Bank 1302 Tom Temple Lufkin, TX 75901 Limited, Mobile/Seasonal Office $560
    Southside Bank 2111 W. Gentry Parkway Tyler, TX 75702 Limited, Drive-thru $0
    Southside Bank 1320 S. University Drive Fort Worth, TX 76107 Full Service B&M $182,470
    Southside Bank 1401 Walnut Hill Irving, TX 75038 Full Service B&M $26,976
    Southside Bank 14500 Old Us Highway 59 Splendora, TX 77372 Full Service B&M $51,569
    Southside Bank 1477 North Beaulah Street Hawkins, TX 75765 Full Service Retail $8,352
    Southside Bank 1616 W. Northwest Highway Grapevine, TX 76051 Full Service B&M $58,788
    Southside Bank 16691 Fm 2493 Tyler, TX 75703 Full Service B&M $36,555
    Southside Bank 19529 Northpark Dr Kingwood, TX 77339 Full Service Retail $14,549
    Southside Bank 200 East Crockett Street Cleveland, TX 77327 Full Service B&M $122,038
    Southside Bank 2001 Judson Road Longview, TX 75605 Full Service B&M $130,587
    Southside Bank 20100 Highway 155 South Flint, TX 75762 Full Service Retail $49,783
    Southside Bank 2020 Roseland Boulevard Tyler, TX 75701 Full Service Retail $13,803
    Southside Bank 204 East Lamar Street Jasper, TX 75951 Full Service B&M $106,697
    Southside Bank 2107 South Loop 256 Palestine, TX 75801 Full Service Retail $6,147
    Southside Bank 2121 West Gentry Parkway Tyler, TX 75702 Full Service B&M $53,886
    Southside Bank 213 N Doctor M Roper Parkway, Bullard, TX 75757 Full Service Retail $17,148
    Southside Bank 2211 Three Lakes Parkway Tyler, TX 75703 Full Service B&M $54,507
    Southside Bank 2301 W Loop 281 Longview, TX 75604 Full Service Retail $7,549
    Southside Bank 2311 West Euless Blvd. Euless, TX 76040 Full Service B&M $57,807
    Southside Bank 2330 East Rosedale St. Fort Worth, TX 76105 Full Service B&M $18,839
    Southside Bank 2341 Justin Road Flower Mound, TX 75028 Full Service B&M $24,039
    Southside Bank 2395 Hg Mosley Pky Longview, TX 75604 Full Service B&M $23,689
    Southside Bank 2510 South Main Lindale, TX 75771 Full Service B&M $110,442
    Southside Bank 2734 East 5th Street Tyler, TX 75701 Full Service Retail $10,314
    Southside Bank 275 West Gibson Jasper, TX 75951 Full Service B&M $9,688
    Southside Bank 2831 West Park Row Arlington, TX 76013 Full Service B&M $40,893
    Southside Bank 318 South Main St. Weatherford, TX 76086 Full Service B&M $54,514
    Southside Bank 321 N. Brentwood Drive Lufkin, TX 75904 Full Service B&M $15,001
    Southside Bank 3310 S. Loop 256 Palestine, TX 75801 Full Service B&M $26,657
    Southside Bank 3815 State Hwy 64 Tyler, TX 75704 Limited, Drive-thru $0
    Southside Bank 3828 Troup Highway Tyler, TX 75703 Full Service Retail $26,715
    Southside Bank 421 South El Camino Crossing San Augustine, TX 75972 Full Service B&M $33,160
    Southside Bank 521 South Main Lindale, TX 75771 Full Service Retail $28,035
    Southside Bank 541 South Timberland Drive Lufkin, TX 75901 Full Service B&M $51,983
    Southside Bank 6001 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $104,386
    Southside Bank 601 Highway 110 North Whitehouse, TX 75791 Full Service Retail $15,800
    Southside Bank 6019 S. Broadway Tyler, TX 75703 Full Service B&M $304,497
    Southside Bank 6801 South Broadway Tyler, TX 75701 Full Service Retail $20,841
    Southside Bank 703 State Highway 31 East Chandler, TX 75758 Full Service Retail $15,095
    Southside Bank 725 Sabine Street Hemphill, TX 75948 Full Service B&M $53,618
    Southside Bank 7800 White Settlement Rd. Fort Worth, TX 76108 Full Service B&M $148,977
    Southside Bank 8024 Denton Highway Watauga, TX 76148 Full Service B&M $97,068
    Southside Bank 8200 North Mo-Pac Expressway Austin, TX 78759 Full Service B&M $57,637
    Southside Bank 901 Hwy 110 N Whitehouse, TX 75791 Full Service B&M $123,332
    Southside Bank 901 West Main Gun Barrel City, TX 75156 Full Service B&M $38,837
    Southside Bank 950 West Arbrook Arlington, TX 76015 Full Service B&M $64,976

    For 2020, Southside Bank had 64 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $231,773
    Net interest income $195,340
    Total noninterest income $40,046
    Gross Fiduciary activities income $5,133
    Service charges on deposit accounts $24,359
    Trading account gains and fees $0
    Additional Noninterest Income $10,554
    Pre-tax net operating income $96,413
    Securities gains (or losses, -) $8,390
    Income before extraordinary items $91,092
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $91,092
    Minority interest net income $0
    Net income $91,092
    Sale, conversion, retirement of capital stock, net $2,823
    Net operating income $83,792

    Southside Bank's gross interest income from loans was $231,773,000.
    Southside Bank's net interest income from loans was $195,340,000.
    Southside Bank's fee based income from loans was $24,359,000.
    Southside Bank's net income from loans was $91,092,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $36,433
    Provision for credit losses $20,110
    Total noninterest expense $118,863
    Salaries and employee benefits $76,364
    Premises and equipment expense $14,026
    Additional noninterest expense $28,473
    Applicable income taxes $13,711
    Net charge-offs $1,204
    Cash dividends $72,000

    Southside Bank's interest expense for loans was $36,433,000.
    Southside Bank's payroll and benefits expense were $76,364,000.
    Southside Bank's property, plant and equipment expenses $14,026,000.

    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 3.0%
    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 $5,032,353
    Deposits held in domestic offices $5,032,353
    Deposits by Individuals, partnerships, and corporations $4,061,800
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $925,133
    Deposits by Commercial banks and other depository institutions in U.S. $45,417
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $624,253
    Demand deposits $595,680
    Nontransaction accounts $4,408,100
    Money market deposit accounts (MMDAs) $1,152,245
    Other savings deposits (excluding MMDAs) $2,464,758
    Total time deposits $791,097
    Total time and savings deposits $4,436,673
    Noninterest-bearing deposits $1,454,846
    Interest-bearing deposits $3,577,507
    Retail deposits $4,600,396
    IRAs and Keogh plan accounts $81,948
    Brokered deposits $137,936
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,003,954
    Cash & Balances due from depository institutions $108,408
    Interest-bearing balances $21,051
    Total securities $2,702,397
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,612,468
    Loan and leases loss allowance $49,006
    Trading account assets $0
    Bank premises and fixed assets $157,656
    Other real estate owned $106
    Goodwill and other intangibles $210,110
    All other assets $212,809

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,003,954
    Total Liabilities $5,975,345
    Total deposits $5,032,353
    Interest-bearing deposits $3,577,507
    Deposits held in domestic offices $5,032,353
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $23,172
    Trading liabilities $0
    Other borrowed funds $832,527
    Subordinated debt $0
    All other liabilities $87,293

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,612,468
    Loan and leases loss allowance $49,006
    Total loans and leases (domestic) $3,661,474
    All real estate loans $2,601,334
    Real estate loans in domestic offices $2,601,334
    Construction and development loans $581,941
    Residential 1-4 family construction $111,405
    Other construction, all land development and other land $470,536
    Loans secured by nonfarm nonresidential properties $1,182,873
    Nonfarm nonresidential secured by owner-occupied properties $307,648
    Commercial real estate & other non-farm, non-residential $875,225
    Multifamily residential real estate $97,853
    1-4 family residential loans $723,647
    Farmland loans $15,020
    Loans held in foreign offices $0
    Farm loans $20,964
    Commercial and industrial loans $504,659
    To non-U.S. addressees $0
    Loans to individuals $93,057
    Credit card loans $0
    Related Plans $3,928
    Consumer Auto Loans $41,209
    Other loans to individuals $47,920
    All other loans & leases $441,460
    Loans to foreign governments and official institutions $0
    Other loans $32,432
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $465
    Loans secured by real estate to non-U.S. addressees $1,269
    Restructured Loans & leases $1,161
    Non 1-4 family restructured loans & leases $707
    Total loans and leases (foreign) $0

    Southside Bank had $3,612,468,000 of loans outstanding in 2020. $2,601,334,000 of loans were in real estate loans. $581,941,000 of loans were in development loans. $97,853,000 of loans were in multifamily mortgage loans. $723,647,000 of loans were in 1-4 family mortgage loans. $20,964,000 of loans were in farm loans. $0 of loans were in credit card loans. $41,209,000 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 616 $135,228 $219,526
    Nonfarm, nonresidential loans - <$100k 134 $5,783 $43,157
    Nonfarm, nonresidential loans - $100-250k 184 $21,913 $119,092
    Nonfarm, nonresidential loans - $250k-1MM 298 $107,532 $360,846
    Commercial & Industrial, US addressed loans - <$1MM 2,908 $199,198 $68,500
    Commercial & Industrial, US addressed loans - <$100k 2,165 $53,269 $24,605
    Commercial & Industrial, US addressed loans - $100-250k 433 $49,342 $113,954
    Commercial & Industrial, US addressed loans - $250k-1MM 310 $96,587 $311,571
    Farmland loans - <$1MM 91 $7,484 $82,242
    Farmland loans - <$100k 50 $1,702 $34,040
    Farmland loans - $100-250k 31 $3,506 $113,097
    Farmland loans - $250k-1MM 10 $2,276 $227,600
    Agriculture operations loans - <$1MM 460 $14,956 $32,513
    Agriculture operations loans - <$100k 409 $8,558 $20,924
    Agriculture operations loans - $100-250k 43 $4,423 $102,860
    Agriculture operations loans - $250k-1MM 8 $1,975 $246,875