Southside Bancshares, Inc. - Asset Resilience Ratio

Latest as of March 2026: 16.55%

Southside Bancshares, Inc. (SBSI) has an Asset Resilience Ratio of 16.55% as of March 2026. 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. Also explore balance sheet size of Southside Bancshares, Inc. for the complete picture of this company's asset base.

Liquid Assets

$1.46 Billion

Cash + Short-term Investments

Total Assets

$8.80 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2004–2025)

This chart shows how Southside Bancshares, Inc.'s Asset Resilience Ratio has changed over time. See SBSI equity financing ratio to measure how much of total assets are equity-financed.

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 SBSI market cap.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.46 Billion	16.55%
Total Liquid Assets	$1.46 Billion	16.55%

Asset Resilience Insights

Good Liquidity Position: Southside Bancshares, Inc. maintains a healthy 16.55% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
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%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
The Federal Bank Limited NSE:FEDERALBNK	Banks - Regional	-12.08%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Sparebanken Vest OL:SVEG	Banks - Regional	0.05%
Beacon Financial Corporation NYSE:BBT	Banks - Regional	1.92%
The Karnataka Bank Limited NSE:KTKBANK	Banks - Regional	-4.57%
Bank Artos Indonesia Tbk PT JK:ARTO	Banks - Regional	61.91%

Annual Asset Resilience Ratio for Southside Bancshares, Inc. (2004–2025)

The table below shows the annual Asset Resilience Ratio data for Southside Bancshares, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	14.82%	$1.26 Billion	$8.51 Billion	+1.77pp
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.

NYSE:SBSI USA Banks - Regional

Market Cap

$978.24 Million

Market Cap Rank

#9251 Global

#2491 in USA

Share Price

$32.88

Change (1 day)

-0.27%

52-Week Range

$29.64 - $34.35

All Time High

$34.35