Southside Bancshares, Inc. Asset Resilience Ratio
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. See operational self-sufficiency of Southside Bancshares, Inc. to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Southside Bancshares, Inc. (2004–2024)
Asset resilience ratio of Southside Bancshares, Inc. from 2004 to 2024. This chart shows how Southside Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Read Southside Bancshares, Inc. total liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see SBSI total asset value.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Southside Bancshares, Inc. Asset Resilience Ratio by Year (2004–2024)
Southside Bancshares, Inc. asset resilience ratio by year from 2004 to 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 | -- |
About 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