Southside Bancshares, Inc. - Asset Resilience Ratio

Latest as of September 2025: 12.26%

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

$1.03 Billion

Cash + Short-term Investments

Total Assets

$8.38 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2004–2024)

This chart shows how Southside Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Check asset allocation strategy of Southside Bancshares, Inc. to assess the company's strategic physical and investment asset allocation.

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. For market capitalisation and broader financial context, see Southside Bancshares, Inc. stock valuation.

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
Commerzbank AG F:ZZMS	Banks - Regional	12.20%
Bank of Shanghai Co Ltd SHG:601229	Banks - Regional	-17.10%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Banco de Chile F:G4RA	Banks - Regional	6.38%
Industrial Bank Co Ltd SHG:601166	Banks - Regional	8.39%
Arion banki hf ST:ARION-SDB	Banks - Regional	0.52%
Dime Community Bancshares, Inc. NYSE:DCOM	Banks - Regional	4.29%
Banco del Bajío S.A. Institución de Banca Múltiple MX:BBAJIOO	Banks - Regional	2.94%

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	--

pp = percentage points

About Southside Bancshares, Inc.

NASDAQ:SBSI USA Banks - Regional

Market Cap

$918.22 Million

Market Cap Rank

#9342 Global

#2619 in USA

Share Price

$30.54

Change (1 day)

+0.30%

52-Week Range

$26.44 - $31.39

All Time High

$39.75