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™
  • 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 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, Houston, Nashville, Tyler, and Austin among others. We have data for 33 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 an average 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% 12/2/24
    30 Year Conventional Refi 6.72% 12/2/24
    30 Year Cash-out Refi 7.02% 12/2/24
    30 Year FHA Purchase 7.45% 12/2/24
    30 Year VA Purchase 6.59% 12/2/24
    15 Year Conventional Purchase 6.04% 12/2/24
    15 Year Conventional Refi 6.43% 12/2/24
    15 Year Cash-out Refi 6.43% 12/2/24
    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

    759

    Origination Dollar Volume (All Markets)

    $417,555,000

    Employee count

    809

    Awards

    Southside Bank 30 Year Conventional Loans silver
    Show all (1) 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) 270 $145,610,000 $539,296 $7,833 3.26%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 49 $84,545,000 $1,725,408 $7,624 3.66%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $36,670,000 $18,335,000 $0 3.13%
    TYLER, TX (FHA|USDA|VA) 132 $35,920,000 $272,121 $5,304 3.27%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 25 $30,455,000 $1,218,200 $10,463 3.47%
    Outside of Metro Areas 59 $14,335,000 $242,966 $5,729 3.46%
    LONGVIEW, TX (FHA|USDA|VA) 55 $13,285,000 $241,545 $4,786 3.33%
    Athens, TX (FHA|USDA|VA) 15 $8,645,000 $576,333 $11,084 3.42%
    Lufkin, TX (FHA|USDA|VA) 48 $8,530,000 $177,708 $4,033 3.57%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 8 $7,680,000 $960,000 $0 4.08%
    Edwards, CO (FHA|USDA|VA) 2 $7,510,000 $3,755,000 $7,045 3.31%
    Nacogdoches, TX (FHA|USDA|VA) 29 $6,245,000 $215,345 $4,326 3.29%
    Granbury, TX (FHA|USDA|VA) 16 $4,910,000 $306,875 $6,903 3.34%
    Jacksonville, TX (FHA|USDA|VA) 17 $4,145,000 $243,824 $4,729 3.61%
    Palestine, TX (FHA|USDA|VA) 9 $1,655,000 $183,889 $4,063 3.07%
    Corsicana, TX (FHA|USDA|VA) 3 $1,325,000 $441,667 $8,033 3.71%
    Mineral Wells, TX (FHA|USDA|VA) 2 $980,000 $490,000 $10,815 3.44%
    Altus, OK (FHA|USDA|VA) 1 $805,000 $805,000 $0 3.90%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $630,000 $315,000 $7,058 4.19%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $545,000 $545,000 $4,912 3.38%
    Huntsville, TX (FHA|USDA|VA) 1 $535,000 $535,000 $11,665 3.25%
    MIDLAND, TX (FHA|USDA|VA) 1 $455,000 $455,000 $10,353 3.88%
    Stephenville, TX (FHA|USDA|VA) 1 $395,000 $395,000 $12,255 3.50%
    SANTA FE, NM (FHA|USDA|VA) 1 $385,000 $385,000 $2,834 2.75%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $320,000 $160,000 $3,769 3.00%
    Sulphur Springs, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,786 3.13%
    LAKE CHARLES, LA (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.25%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,952 3.38%
    Paris, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,225 3.38%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,519 3.00%
    WACO, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,051 5.00%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.50%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $55,000 $55,000 $4,140 3.25%
    Southside Bank's top markets include Dallas, Houston, Nashville, Tyler, and Austin among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Georgia (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: 369
    AMOCO
    Similarity Rank: 405
    United Heritage Credit Union
    Similarity Rank: 636
    KELLY COMMUNITY FEDERAL CREDIT UNION
    Similarity Rank: 832
    SCHLUMBERGER EMPLOYEES CREDIT UNION
    Similarity Rank: 1320
    U S WIDE FINANCIAL LLC
    Similarity Rank: 1512
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 1968
    TEXAS BAY
    Similarity Rank: 2076
    DATCU
    Similarity Rank: 2220
    UNION SQUARE
    Similarity Rank: 2220

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 757 $417,185,000 $551,103 $6,618 3.36%
    FHA 1 $315,000 $315,000 $8,459 2.63%
    VA 1 $55,000 $55,000 $3,360 4.00%

    For 2021, Southside Bank's most frequently originated type of loan was Conventional, with 757 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 407 $285,385,000 $701,192 $8,730 3.50%
    Refi 161 $76,435,000 $474,752 $4,336 3.10%
    Cash Out Refi 144 $43,730,000 $303,681 $4,727 3.31%
    Home Improvement 36 $4,530,000 $125,833 $3,078 3.10%
    Other 11 $7,475,000 $679,545 $4,909 3.66%

    For 2021, Southside Bank's most frequently cited loan purpose was Home Purchase, with 407 originations. The 2nd most popular reason was Refi, with 161 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 315 $100,755,000 $319,857 $4,917 3.34%
    15 Year 154 $32,040,000 $208,052 $3,944 2.97%
    30+ year 138 $92,970,000 $673,696 $13,815 3.51%
    20 Year 56 $9,270,000 $165,536 $3,693 3.36%
    5 Year 43 $21,895,000 $509,186 $0 4.23%
    10 Year 26 $15,700,000 $603,846 $3,824 3.14%
    Other 20 $74,180,000 $3,709,000 $16,245 3.84%
    3 Year 4 $69,440,000 $17,360,000 $0 4.19%
    1 Year 3 $1,305,000 $435,000 $0 4.33%

    For 2021, Southside Bank's most frequently cited loan duration was 30 Year, with 315 originations. The 2nd most popular length was 15 Year, with 154 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 317 $82,935,000 $261,625
    $1k-2k 122 $26,440,000 $216,721
    $5k+ 83 $78,745,000 $948,735
    $2k-3k 39 $13,195,000 $338,333
    $4k-5k 39 $20,925,000 $536,538
    $3k-4k 36 $12,620,000 $350,556

    Southside Bank's average total fees were $4,917, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 317 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 420 $199,910,000 $475,976
    2.5-3% 236 $119,600,000 $506,780
    4-5% 73 $64,115,000 $878,288
    <2.5% 26 $33,630,000 $1,293,462
    5-6% 3 $225,000 $75,000
    6-7% 1 $75,000 $75,000

    During 2021, Southside Bank's average interest rate for loans was 3.34%, while their most frequently originated rate bucket for loans was 3-4%, with 420 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 201 $56,815,000 $282,662 $5,412 3.42%
    $100k-200k 200 $29,770,000 $148,850 $3,936 3.33%
    $100,000 or less 130 $9,700,000 $74,615 $2,699 3.29%
    $400k-600k 109 $53,165,000 $487,752 $8,303 3.38%
    $600k-1MM 71 $54,085,000 $761,761 $12,404 3.41%
    $1MM+ 48 $214,020,000 $4,458,750 $21,129 3.38%

    2021 saw Southside Bank place emphasis on $200k-400k loans with 201 originations, totaling $56,815,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 160 $60,860,000 $380,375 $7,660 3.39%
    $100k-150k 137 $37,675,000 $275,000 $5,570 3.31%
    $250k+ 133 $108,005,000 $812,068 $12,368 3.31%
    $50k-75k 104 $16,170,000 $155,481 $3,814 3.18%
    $75k-100k 75 $14,655,000 $195,400 $4,556 3.25%
    $50k or less 68 $7,330,000 $107,794 $3,217 3.17%

    Southside Bank lent most frequently to those with incomes in the $150k-250k range, with 160 originations. The second most popular income band? $100k-150k, with 137 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 165 $60,255,000 $365,182 $6,150 3.15%
    30-36% 127 $46,365,000 $365,079 $6,992 3.32%
    <20% 72 $31,260,000 $434,167 $6,173 3.07%
    38% 42 $16,470,000 $392,143 $7,306 3.19%
    42% 39 $13,835,000 $354,744 $6,686 3.42%
    39% 39 $14,975,000 $383,974 $7,973 3.45%
    37% 38 $13,420,000 $353,158 $7,206 3.26%
    36% 32 $13,380,000 $418,125 $8,268 3.29%
    40% 30 $11,730,000 $391,000 $6,630 3.28%
    41% 29 $10,645,000 $367,069 $6,915 3.36%
    49% 11 $2,435,000 $221,364 $4,887 3.25%
    43% 11 $1,945,000 $176,818 $4,401 3.48%
    44% 10 $2,360,000 $236,000 $4,349 3.18%
    45% 6 $1,130,000 $188,333 $4,289 3.44%
    47% 6 $1,460,000 $243,333 $4,613 3.65%
    46% 5 $1,075,000 $215,000 $3,324 3.18%
    48% 1 $315,000 $315,000 $4,546 3.25%
    >60% 1 $105,000 $105,000 $0 4.50%

    Southside Bank lent most frequently to those with DTI ratios of 20-30%, with 165 originations. The next most common DTI ratio? 30-36%, with 127 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 535 $179,655,000 $335,804 $6,187 3.27%
    Not applicable 69 $169,805,000 $2,460,942 $0 4.10%
    Not provided 111 $51,625,000 $465,090 $8,555 3.33%
    Asian 18 $7,870,000 $437,222 $7,071 3.39%
    Black 23 $7,115,000 $309,348 $6,393 3.47%
    American Indian 3 $1,485,000 $495,000 $9,645 3.08%

    Approval Rates

    Total approvals of all applications
    76.25%

    Southside Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    59.16%

    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 759 $417,555,000 $550,138

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    759 $417,555,000 $550,138

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 88 $20,260,000 $230,227 $3,804 3.04%
    40-60% 136 $70,550,000 $518,750 $4,828 3.17%
    60-80% 300 $231,000,000 $770,000 $7,496 3.43%
    80-100% 219 $92,565,000 $422,671 $8,100 3.53%
    Under 20% 15 $3,015,000 $201,000 $3,190 3.13%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    SOUTHSTATE CORPORATION Other type of mortgage Trouble during payment process 2 11.8%
    SOUTHSTATE CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 17.6%
    SOUTHSTATE CORPORATION Conventional home mortgage Closing on a mortgage 3 17.6%
    SOUTHSTATE CORPORATION Conventional home mortgage Incorrect information on your report 1 5.9%
    SOUTHSTATE CORPORATION Conventional home mortgage Struggling to pay mortgage 1 5.9%
    SOUTHSTATE CORPORATION Conventional home mortgage Trouble during payment process 4 23.5%
    SOUTHSTATE CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 2 11.8%
    SOUTHSTATE CORPORATION Other type of mortgage Closing on a mortgage 1 5.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Southside Bank 100 Rice Road Tyler, TX 75703 Full Service Retail $52,237
    Southside Bank 1000 Pennsylvania Avenue Fort Worth, TX 76104 Full Service B&M $83,090
    Southside Bank 1009 North University Dr Nacogdoches, TX 75961 Full Service B&M $114,821
    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 $67,857
    Southside Bank 102 Timberland Highway Pineland, TX 75968 Full Service B&M $38,242
    Southside Bank 1030 East Highway 377 Granbury, TX 76048 Full Service B&M $37,745
    Southside Bank 104 North Temple Drive Diboll, TX 75941 Full Service B&M $125,497
    Southside Bank 111 Champion Drive Lufkin, TX 75901 Full Service B&M $25,464
    Southside Bank 113 North Nw Loop 323 Tyler, TX 75702 Full Service Retail $29,345
    Southside Bank 113 West Ferguson Street, Suite A Tyler, TX 75702 Full Service B&M $70,102
    Southside Bank 11815 Alterra Parkway, Suite 100 Austin, TX 78758 Full Service B&M $71,925
    Southside Bank 1201 South Beckham Ave Tyler, TX 75701 Full Service Cyber Office $9,748
    Southside Bank 1201 South Beckham Street Tyler, TX 75701 Full Service B&M $1,439,969
    Southside Bank 1204 W. Henderson St Cleburne, TX 76033 Full Service B&M $25,289
    Southside Bank 1217 East Marshall Longview, TX 75601 Full Service Retail $9,850
    Southside Bank 1250 South Capital Of Texas Highway, Bldg 1, Suite 101 West Lake Hills, TX 78746 Full Service B&M $22,927
    Southside Bank 1320 S. University Drive Fort Worth, TX 76107 Full Service B&M $203,279
    Southside Bank 1401 Walnut Hill Irving, TX 75038 Full Service B&M $27,236
    Southside Bank 14500 Old Us Highway 59 Splendora, TX 77372 Full Service B&M $56,196
    Southside Bank 1477 North Beaulah Street Hawkins, TX 75765 Full Service Retail $10,269
    Southside Bank 1616 W. Northwest Highway Grapevine, TX 76051 Full Service B&M $89,632
    Southside Bank 16691 Fm 2493 Tyler, TX 75703 Full Service B&M $39,573
    Southside Bank 1800 Post Oak Boulevard, Ste300 Houston, TX 77056 Full Service B&M $27,013
    Southside Bank 19529 Northpark Dr Kingwood, TX 77339 Full Service Retail $3,005
    Southside Bank 200 East Crockett Street Cleveland, TX 77327 Full Service B&M $127,279
    Southside Bank 2001 Judson Road Longview, TX 75605 Full Service B&M $156,586
    Southside Bank 20100 Highway 155 South Flint, TX 75762 Full Service Retail $56,887
    Southside Bank 2020 Roseland Boulevard Tyler, TX 75701 Full Service Retail $16,429
    Southside Bank 204 East Lamar Street Jasper, TX 75951 Full Service B&M $91,885
    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 $64,672
    Southside Bank 213 N Doctor M Roper Parkway, Bullard, TX 75757 Full Service Retail $38,919
    Southside Bank 2211 Three Lakes Parkway Tyler, TX 75703 Full Service B&M $70,540
    Southside Bank 2311 West Euless Blvd. Euless, TX 76040 Full Service B&M $72,115
    Southside Bank 2330 East Rosedale St. Fort Worth, TX 76105 Full Service B&M $21,065
    Southside Bank 2510 South Main Lindale, TX 75771 Full Service B&M $129,979
    Southside Bank 2510 West Frank Avenue Lufkin, TX 75904 Full Service B&M $296,089
    Southside Bank 2734 East 5th Street Tyler, TX 75701 Full Service Retail $13,876
    Southside Bank 275 West Gibson Jasper, TX 75951 Full Service B&M $10,613
    Southside Bank 2831 West Park Row Arlington, TX 76013 Full Service B&M $40,222
    Southside Bank 318 South Main St. Weatherford, TX 76086 Full Service B&M $60,491
    Southside Bank 321 N. Brentwood Drive Lufkin, TX 75904 Full Service B&M $16,871
    Southside Bank 3310 S. Loop 256 Palestine, TX 75801 Full Service B&M $35,683
    Southside Bank 3815 State Hwy 64 Tyler, TX 75704 Limited, Drive-thru $0
    Southside Bank 3828 Troup Highway Tyler, TX 75703 Full Service Retail $32,579
    Southside Bank 421 South El Camino Crossing San Augustine, TX 75972 Full Service B&M $29,943
    Southside Bank 521 South Main Lindale, TX 75771 Full Service Retail $31,640
    Southside Bank 541 South Timberland Drive Lufkin, TX 75901 Full Service B&M $54,639
    Southside Bank 6001 Bryant Irvin Road Fort Worth, TX 76132 Full Service B&M $116,880
    Southside Bank 601 Highway 110 North Whitehouse, TX 75791 Full Service Retail $17,362
    Southside Bank 6019 S. Broadway Tyler, TX 75703 Full Service B&M $355,641
    Southside Bank 703 State Highway 31 East Chandler, TX 75758 Full Service Retail $20,182
    Southside Bank 725 Sabine Street Hemphill, TX 75948 Full Service B&M $59,052
    Southside Bank 7800 White Settlement Rd. Fort Worth, TX 76108 Full Service B&M $173,697
    Southside Bank 8024 Denton Highway Watauga, TX 76148 Full Service B&M $105,174
    Southside Bank 901 Hwy 110 N Whitehouse, TX 75791 Full Service B&M $122,426
    Southside Bank 901 West Main Gun Barrel City, TX 75156 Full Service B&M $46,419
    Southside Bank 950 West Arbrook Arlington, TX 76015 Full Service B&M $71,149

    For 2021, Southside Bank had 59 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $215,945
    Net interest income $199,151
    Total noninterest income $45,708
    Gross Fiduciary activities income $5,959
    Service charges on deposit accounts $26,368
    Trading account gains and fees $0
    Additional Noninterest Income $13,381
    Pre-tax net operating income $140,895
    Securities gains (or losses, -) $3,688
    Income before extraordinary items $124,268
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $124,268
    Minority interest net income $0
    Net income $124,268
    Sale, conversion, retirement of capital stock, net $2,713
    Net operating income $121,096

    Southside Bank's gross interest income from loans was $215,945,000.
    Southside Bank's net interest income from loans was $199,151,000.
    Southside Bank's fee based income from loans was $26,368,000.
    Southside Bank's net income from loans was $124,268,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $16,794
    Provision for credit losses $-16,964
    Total noninterest expense $120,928
    Salaries and employee benefits $79,057
    Premises and equipment expense $13,717
    Additional noninterest expense $28,154
    Applicable income taxes $20,315
    Net charge-offs $771
    Cash dividends $100,000

    Southside Bank's interest expense for loans was $16,794,000.
    Southside Bank's payroll and benefits expense were $79,057,000.
    Southside Bank's property, plant and equipment expenses $13,717,000.

    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 $5,741,531
    Deposits held in domestic offices $5,741,531
    Deposits by Individuals, partnerships, and corporations $4,670,895
    Deposits by U.S. Government $5
    Deposits by States and political subdivisions in the U.S. $1,057,049
    Deposits by Commercial banks and other depository institutions in U.S. $13,582
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $930,994
    Demand deposits $892,966
    Nontransaction accounts $4,810,537
    Money market deposit accounts (MMDAs) $1,292,277
    Other savings deposits (excluding MMDAs) $2,953,235
    Total time deposits $565,025
    Total time and savings deposits $4,848,565
    Noninterest-bearing deposits $1,663,979
    Interest-bearing deposits $4,077,552
    Retail deposits $5,208,600
    IRAs and Keogh plan accounts $74,617
    Brokered deposits $294,791
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,254,717
    Cash & Balances due from depository institutions $201,753
    Interest-bearing balances $110,633
    Total securities $2,861,025
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,611,573
    Loan and leases loss allowance $35,273
    Trading account assets $0
    Bank premises and fixed assets $154,596
    Other real estate owned $0
    Goodwill and other intangibles $207,513
    All other assets $218,257

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,254,717
    Total Liabilities $6,208,502
    Total deposits $5,741,531
    Interest-bearing deposits $4,077,552
    Deposits held in domestic offices $5,741,531
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $23,219
    Trading liabilities $0
    Other borrowed funds $344,038
    Subordinated debt $0
    All other liabilities $99,714

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,611,573
    Loan and leases loss allowance $35,273
    Total loans and leases (domestic) $3,646,846
    All real estate loans $2,698,856
    Real estate loans in domestic offices $2,698,856
    Construction and development loans $447,860
    Residential 1-4 family construction $184,603
    Other construction, all land development and other land $263,257
    Loans secured by nonfarm nonresidential properties $1,366,668
    Nonfarm nonresidential secured by owner-occupied properties $343,203
    Commercial real estate & other non-farm, non-residential $1,023,465
    Multifamily residential real estate $209,660
    1-4 family residential loans $652,824
    Farmland loans $21,844
    Loans held in foreign offices $0
    Farm loans $26,363
    Commercial and industrial loans $367,500
    To non-U.S. addressees $0
    Loans to individuals $84,774
    Credit card loans $0
    Related Plans $2,989
    Consumer Auto Loans $39,721
    Other loans to individuals $42,064
    All other loans & leases $469,353
    Loans to foreign governments and official institutions $0
    Other loans $26,275
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $33
    Loans secured by real estate to non-U.S. addressees $317
    Restructured Loans & leases $1,340
    Non 1-4 family restructured loans & leases $487
    Total loans and leases (foreign) $0

    Southside Bank had $3,611,573,000 of loans outstanding in 2021. $2,698,856,000 of loans were in real estate loans. $447,860,000 of loans were in development loans. $209,660,000 of loans were in multifamily mortgage loans. $652,824,000 of loans were in 1-4 family mortgage loans. $26,363,000 of loans were in farm loans. $0 of loans were in credit card loans. $39,721,000 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 586 $135,148 $230,628
    Nonfarm, nonresidential loans - <$100k 112 $4,924 $43,964
    Nonfarm, nonresidential loans - $100-250k 187 $22,465 $120,134
    Nonfarm, nonresidential loans - $250k-1MM 287 $107,759 $375,467
    Commercial & Industrial, US addressed loans - <$1MM 1,800 $113,179 $62,877
    Commercial & Industrial, US addressed loans - <$100k 1,259 $29,281 $23,257
    Commercial & Industrial, US addressed loans - $100-250k 317 $30,735 $96,956
    Commercial & Industrial, US addressed loans - $250k-1MM 224 $53,163 $237,335
    Farmland loans - <$1MM 85 $7,722 $90,847
    Farmland loans - <$100k 45 $1,631 $36,244
    Farmland loans - $100-250k 32 $4,127 $128,969
    Farmland loans - $250k-1MM 8 $1,964 $245,500
    Agriculture operations loans - <$1MM 467 $16,168 $34,621
    Agriculture operations loans - <$100k 411 $8,911 $21,681
    Agriculture operations loans - $100-250k 46 $4,749 $103,239
    Agriculture operations loans - $250k-1MM 10 $2,508 $250,800