Southside Bancshares (SBSI) Investor presentation summary

Management and leadership

• Executive team has extensive experience, with most leaders having over 20 years in banking and financial services.

• Recent executive transition noted, with Keith Donahoe as President and CEO since 2024.

Company overview and market presence

• Founded in 1960, headquartered in Tyler, TX, with a community-focused approach.

• Operates 55 branches across Texas, including 12 in grocery stores, and employs 794 full-time equivalents.

• Holds leading deposit market share in Smith and Angelina counties and has expanded into major Texas MSAs.

Financial performance and profitability

• Total assets reached $8.8 billion as of Q1 2026, with total loans at $4.95 billion and deposits at $6.87 billion.

• Q1 2026 net income was $23.3 million, up 8.15% year-over-year; diluted EPS was $0.78.

• ROAA at 1.10% and ROATCE at 14.39% for Q1 2026, with a net interest margin of 3.01%.

• Efficiency ratio (FTE) stood at 54.98% in Q1 2026.