Southside Bancshares, Inc.
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company offers consumer loan services, including 1… Read more
Southside Bancshares, Inc. - Asset Resilience Ratio
Southside Bancshares, Inc. (SBSI) has an Asset Resilience Ratio of 12.26% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2024)
This chart shows how Southside Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Southside Bancshares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.03 Billion | 12.26% |
| Total Liquid Assets | $1.03 Billion | 12.26% |
Asset Resilience Insights
- Moderate Liquidity: Southside Bancshares, Inc. has 12.26% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Southside Bancshares, Inc. Industry Peers by Asset Resilience Ratio
Compare Southside Bancshares, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Southside Bancshares, Inc. (2004–2024)
The table below shows the annual Asset Resilience Ratio data for Southside Bancshares, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 13.05% | $1.11 Billion | $8.52 Billion | -2.60pp |
| 2023-12-31 | 15.65% | $1.30 Billion | $8.28 Billion | -1.54pp |
| 2022-12-31 | 17.19% | $1.30 Billion | $7.56 Billion | -20.89pp |
| 2021-12-31 | 38.08% | $2.76 Billion | $7.26 Billion | +1.16pp |
| 2020-12-31 | 36.92% | $2.59 Billion | $7.01 Billion | +1.97pp |
| 2019-12-31 | 34.95% | $2.36 Billion | $6.75 Billion | +2.46pp |
| 2018-12-31 | 32.49% | $1.99 Billion | $6.12 Billion | +8.81pp |
| 2017-12-31 | 23.68% | $1.54 Billion | $6.50 Billion | -2.91pp |
| 2016-12-31 | 26.59% | $1.48 Billion | $5.56 Billion | -1.70pp |
| 2015-12-31 | 28.29% | $1.46 Billion | $5.16 Billion | +21.91pp |
| 2014-12-31 | 6.38% | $306.71 Million | $4.81 Billion | -3.41pp |
| 2013-12-31 | 9.79% | $337.43 Million | $3.45 Billion | -9.29pp |
| 2012-12-31 | 19.08% | $617.71 Million | $3.24 Billion | +10.52pp |
| 2011-12-31 | 8.56% | $282.96 Million | $3.30 Billion | +7.80pp |
| 2010-12-31 | 0.76% | $22.89 Million | $3.00 Billion | +0.70pp |
| 2009-12-31 | 0.06% | $1.82 Million | $3.02 Billion | -0.04pp |
| 2008-12-31 | 0.10% | $2.71 Million | $2.70 Billion | +0.01pp |
| 2007-12-31 | 0.09% | $1.96 Million | $2.20 Billion | -0.04pp |
| 2006-12-31 | 0.13% | $2.48 Million | $1.89 Billion | +0.10pp |
| 2005-12-31 | 0.03% | $550.00K | $1.78 Billion | 0.00pp |
| 2004-12-31 | 0.03% | $550.00K | $1.62 Billion | -- |