Southside Bancshares, Inc. (SBSI) Balance Sheet
SBSI balance sheet, 2025
December 31, 2025 · U.S. dollars$8.51B assets = $7.67B liabilities + $847.6M equity
Both columns are drawn to the same scale: what SBSI owns equals what it owes plus shareholders’ equity. Hover a block for its value.
SBSI financial health
Descriptive bands, not a rating. Fiscal 2025.
SBSI balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $5.56B2016 | $8.51B2025 | +4.8%/yr | |
| Total liabilities | $5.05B2016 | $7.67B2025 | +4.8%/yr | |
| Shareholders’ equity | $518.3M2016 | $847.6M2025 | +5.6%/yr | |
| Cash & short-term investments | $1.64B2016 | $1.65B2025 | +0.0%/yr | |
| Total debt | $2.34B2016 | $734.1M2025 | −12.1%/yr | |
| Net cash (debt) | −$700.4M2016 | $912.0M2025 | +$1.6B | |
| Working capital | −$2.74B2016 | −$5.60B2025 | −$2.9B | |
| Book value per share | $19.022016 | $28.042025 | +4.4%/yr | |
| Debt / equity | 4.522016 | 0.872025 | −3.65 | |
| Shares outstanding | 27.2M2016 | 30.2M2025 | +1.2%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
SBSI assets
SBSI liabilities and equity
SBSI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
SBSI balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $1.65B | $1.48B | $1.81B | $1.41B | $2.97B | $2.70B | $2.49B | $2.12B | $1.73B | $1.64B |
| Cash & equivalents | $384.0M | $373.4M | $513.7M | $115.4M | $201.8M | $108.4M | $130.7M | $126.5M | $190.7M | $161.6M |
| Short-term investments | $1.26B | $1.11B | $1.30B | $1.30B | $2.76B | $2.59B | $2.36B | $1.99B | $1.54B | $1.48B |
| Receivables | $41.8M | $46.7M | $50.5M | $49.4M | $39.1M | $38.7M | $28.5M | $27.3M | $28.5M | $25.2M |
| Inventory | $0 | $0 | $71.5M | $167,000 | −$240.9M | −$147.2M | −$139.6M | $1.2M | $1.8M | $388,000 |
| Other current assets | $0 | $0 | $0 | $0 | $240.9M | $147.2M | $139.6M | $0 | $0 | $0 |
| Total current assets | $1.69B | $1.53B | $1.86B | $166.7M | $3.01B | $2.73B | $2.52B | $2.14B | $1.76B | $1.67B |
| Property, plant & equipment (net) | $164.7M | $155.5M | $153.8M | $141.3M | $157.6M | $159.6M | $153.7M | $136.0M | $133.6M | $106.0M |
| Goodwill & intangible assets | $202.1M | $202.9M | $204.0M | $205.7M | $208.0M | $210.9M | $214.5M | $218.9M | $224.2M | $96.1M |
| Long-term investments | $2.71B | $2.82B | $2.61B | $2.63B | $2.86B | $6.20B | $6.04B | $5.44B | $4.19B | $3.49B |
| Other non-current assets | $3.75B | $3.80B | $3.45B | $4.42B | $1.03B | $0 | $0 | $0 | $191.4M | $206.0M |
| Total assets | $8.51B | $8.52B | $8.28B | $7.56B | $7.26B | $7.01B | $6.75B | $6.12B | $6.50B | $5.56B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $6.20B | $5.72B | $4.93B | $4.70B | $4.43B | $4.52B | $3.53B |
| Short-term debt | $419.1M | $76.4M | $715.7M | $440.9M | $365.4M | $853.5M | $986.7M | $36.8M | $9.5M | $873.6M |
| Total current liabilities | $7.28B | $6.73B | $6.55B | $2.11B | $5.72B | $4.93B | $2.03B | $4.46B | $4.52B | $4.41B |
| Long-term debt | $300.6M | $884.2M | $876.6M | $158.9M | $158.8M | $257.5M | $158.8M | $158.7M | $158.5M | $601.5M |
| Lease obligations | $14.3M | $15.8M | $16.7M | $17.1M | $16.7M | $16.7M | $10.2M | — | — | — |
| Other long-term liabilities | $82.1M | $90.6M | $85.3M | $6.65B | $466.3M | $943.1M | $987.7M | $771.7M | $1.06B | $37.3M |
| Total liabilities | $7.67B | $7.71B | $7.51B | $6.81B | $6.35B | $6.13B | $1.15B | $5.39B | $5.74B | $5.05B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $47.6M | $47.6M | $47.5M | $47.5M | $47.5M | $47.4M | $47.4M | $47.3M | $47.3M | $39.3M |
| Retained earnings (deficit) | $352.2M | $326.8M | $282.4M | $239.6M | $179.8M | $111.2M | $80.3M | $64.8M | $32.9M | $30.1M |
| Treasury stock | — | — | — | −$188.2M | −$155.3M | −$123.9M | −$94.0M | −$93.1M | −$47.1M | −$47.9M |
| Accumulated other comprehensive income | −$95.6M | −$124.9M | −$113.5M | −$137.5M | $59.7M | $69.1M | $4.2M | −$50.2M | −$36.3M | −$38.5M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $847.6M | $811.9M | $773.3M | $746.0M | $912.2M | $875.3M | $5.60B | $731.3M | $754.1M | $518.3M |
| Key figures | ||||||||||
| Total debt | $734.1M | $976.4M | $893.3M | $599.9M | $542.7M | $1.13B | $1.15B | $914.5M | $1.18B | $2.34B |
| Net cash (debt) | $912.0M | $508.4M | $916.7M | $814.6M | $2.42B | $1.57B | $1.34B | $1.20B | $553.6M | −$700.4M |
| Working capital | −$5.60B | −$5.20B | −$4.69B | −$1.95B | −$2.72B | −$2.20B | $490.9M | −$2.32B | −$2.77B | −$2.74B |
| Tangible book value | $645.5M | $609.1M | $569.2M | $540.3M | $704.2M | $664.4M | $5.39B | $512.4M | $529.9M | $422.1M |
| Book value per share | $28.04 | $26.74 | $25.14 | $23.13 | $27.90 | $26.30 | $165.29 | $20.83 | $25.10 | $19.02 |
| Shares outstanding | 30.2M | 30.4M | 30.8M | 32.3M | 32.7M | 33.3M | 33.9M | 35.1M | 30.0M | 27.2M |
| Current ratio | 0.23 | 0.23 | 0.28 | 0.08 | 0.53 | 0.55 | 1.24 | 0.48 | 0.39 | 0.38 |
| Quick ratio | 0.23 | 0.23 | 0.28 | 0.69 | 0.53 | 0.55 | 1.24 | 0.48 | 0.39 | 0.38 |
| Debt / equity | 0.87 | 1.20 | 1.16 | 0.80 | 0.59 | 1.29 | 0.20 | 1.25 | 1.56 | 4.52 |
| Equity / assets | 10.0% | 9.5% | 9.3% | 9.9% | 12.6% | 12.5% | 83.0% | 11.9% | 11.6% | 9.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.97B | $73.0M | $1.65B | $1.48B | $504.9M | $1.85B | $1.48B | $1.87B | $1.79B | $1.81B | $1.81B | $1.55B |
| Cash & equivalents | $397.3M | $73.0M | $384.0M | $455.8M | $370.0M | $396.7M | $373.4M | $464.0M | $386.8M | $404.0M | $513.7M | $211.7M |
| Short-term investments | $1.57B | $1.46B | $1.26B | $1.03B | $134.9M | $1.46B | $1.11B | $1.41B | $1.41B | $1.41B | $1.30B | $1.34B |
| Receivables | $43.4M | $36.0M | $41.8M | $35.4M | $45.5M | $36.2M | $46.7M | $37.9M | $50.4M | $39.7M | $50.5M | $39.6M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$168.0M | −$164.7M | −$136.5M | $71.5M | −$365.5M |
| Other current assets | $341,000 | $0 | $0 | $0 | $0 | $0 | $0 | $168.0M | $164.7M | $136.5M | $0 | $365.5M |
| Total current assets | $2.01B | $109.0M | $1.69B | $1.52B | $550.4M | $1.89B | $1.53B | $1.91B | $1.84B | $1.85B | $1.86B | $1.59B |
| Property, plant & equipment (net) | $156.9M | $168.8M | $164.7M | $159.9M | $162.4M | $155.8M | $155.5M | $152.8M | $152.8M | $154.4M | $153.8M | $154.4M |
| Goodwill & intangible assets | $201.9M | $202.0M | $202.1M | $202.3M | $202.4M | $202.6M | $202.9M | $203.1M | $203.4M | $203.7M | $204.0M | $204.4M |
| Long-term investments | $2.79B | $2.88B | $2.71B | $2.57B | $2.74B | $2.75B | $2.82B | $2.71B | $2.72B | $2.72B | $2.61B | $2.64B |
| Other non-current assets | $3.60B | $5.44B | $3.75B | $3.94B | $4.69B | $3.35B | $3.80B | $3.39B | $3.44B | $3.43B | $3.45B | $3.38B |
| Total assets | $8.76B | $8.80B | $8.51B | $8.38B | $8.34B | $8.34B | $8.52B | $8.36B | $8.36B | $8.35B | $8.28B | $7.97B |
| Liabilities | ||||||||||||
| Short-term debt | $1.42B | $670.9M | $419.1M | $199.7M | $610.3M | $79.4M | $76.4M | $105.8M | $759.5M | $764.4M | $715.7M | $599.6M |
| Total current liabilities | $7.59B | $670.9M | $7.28B | $7.16B | $7.24B | $6.67B | $6.73B | $6.54B | $7.26B | $6.55B | $6.55B | $6.35B |
| Long-term debt | $208.3M | $208.4M | $300.6M | $300.9M | $153.5M | $764.3M | $884.2M | $912.3M | $156.5M | $924.3M | $876.6M | $762.1M |
| Lease obligations | $14.1M | $14.5M | $14.3M | $14.7M | $15.1M | $15.5M | $15.8M | $15.9M | $16.2M | $16.7M | $16.7M | $16.8M |
| Other long-term liabilities | $87.9M | $7.07B | $82.1M | $86.1M | $137.0M | $92.1M | $90.6M | $103.2M | $144.9M | $95.8M | $85.3M | $132.2M |
| Total liabilities | $7.88B | $7.95B | $7.67B | $7.55B | $7.53B | $7.53B | $7.71B | $7.56B | $7.56B | $7.57B | $7.51B | $7.24B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $47.7M | $47.6M | $47.6M | $47.6M | $47.6M | $47.6M | $47.6M | $47.6M | $47.6M | $47.6M | $47.5M | $47.5M |
| Retained earnings (deficit) | $380.8M | $364.8M | $352.2M | $342.0M | $348.0M | $337.2M | $326.8M | $316.1M | $306.6M | $292.9M | $282.4M | $276.3M |
| Accumulated other comprehensive income | −$92.1M | −$102.6M | −$95.6M | −$108.1M | −$141.5M | −$131.8M | −$124.9M | −$118.5M | −$111.0M | −$110.9M | −$113.5M | −$155.0M |
| Total shareholders' equity | $882.5M | $854.9M | $847.6M | $834.9M | $807.2M | $816.6M | $811.9M | $805.3M | $801.0M | $787.9M | $773.3M | $728.6M |
| Key figures | ||||||||||||
| Total debt | $1.64B | $893.8M | $734.1M | $515.3M | $778.9M | $859.2M | $976.4M | $1.03B | $932.2M | $941.1M | $893.3M | $778.9M |
| Net cash (debt) | $329.5M | −$820.8M | $912.0M | $968.4M | −$274.0M | $995.4M | $508.4M | $838.4M | $860.5M | $868.1M | $916.7M | $768.3M |
| Working capital | −$5.57B | −$561.9M | −$5.60B | −$5.64B | −$6.69B | −$4.78B | −$5.20B | −$4.63B | −$5.41B | −$4.70B | −$4.69B | −$4.76B |
| Tangible book value | $680.6M | $652.9M | $645.5M | $632.6M | $604.8M | $614.0M | $609.1M | $602.1M | $597.6M | $584.2M | $569.2M | $524.2M |
| Book value per share | $29.54 | $28.66 | $28.31 | $27.54 | $26.63 | $26.79 | $26.74 | $26.51 | $26.42 | $26.00 | $25.54 | $23.85 |
| Shares outstanding | 29.9M | 29.8M | 29.9M | 30.3M | 30.3M | 30.5M | 30.4M | 30.4M | 30.3M | 30.3M | 30.3M | 30.5M |
| Current ratio | 0.27 | 0.16 | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 |
| Quick ratio | 0.27 | 0.16 | 0.23 | 0.21 | 0.08 | 0.28 | 0.23 | 0.29 | 0.25 | 0.28 | 0.28 | 0.25 |
| Debt / equity | 1.86 | 1.05 | 0.87 | 0.62 | 0.96 | 1.05 | 1.20 | 1.28 | 1.16 | 1.19 | 1.16 | 1.07 |
| Equity / assets | 10.1% | 9.7% | 10.0% | 10.0% | 9.7% | 9.8% | 9.5% | 9.6% | 9.6% | 9.4% | 9.3% | 9.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
SBSI financial position
At the end of fiscal 2025 (December 31, 2025), Southside Bancshares had total assets of $8.5 billion (down 0.0% from a year earlier), total liabilities of $7.7 billion and shareholders' equity of $847.6 million. It held $1.6 billion in cash and short-term investments against $734.1 million of debt, a net cash position of $912.0 million. Its current ratio was 0.23. In the latest quarter (ended June 30, 2026) total assets were $8.8 billion and equity $882.5 million.
Related: SBSI income statement, SBSI cash flow statement, SBSI key metrics. See the SBSI stock overview for the latest quote and news.
SBSI balance sheet FAQ
What are Southside Bancshares's total assets?
Southside Bancshares reported total assets of $8.5 billion at the end of fiscal 2025 (December 31, 2025), compared with $8.5 billion a year earlier.
How much debt does Southside Bancshares have?
Southside Bancshares had $734.1 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.87.
How much cash does Southside Bancshares have?
Southside Bancshares held $1.6 billion in cash and short-term investments at the end of fiscal 2025; with $734.1 million of debt that is net cash of $912.0 million.
What is Southside Bancshares's book value?
Southside Bancshares's shareholders' equity (book value) was $847.6 million at the end of fiscal 2025, or $28.04 per share.
What is Southside Bancshares's current ratio?
Southside Bancshares had current assets of $1.7 billion and current liabilities of $7.3 billion, a current ratio of 0.23 (current liabilities exceed current assets).
How much goodwill does Southside Bancshares have?
Southside Bancshares carried $202.1 million of goodwill and intangible assets, 2.4% of total assets, at the end of fiscal 2025.