BlastPoint's Banking Scorecard
Southside Bank
Mid-Market
Specialty: Commercial
TX
FDIC cert 18297
Tyler, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Southside Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Mid-Market
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 6% in Mid-Market
- - Credit Risk Growth: Bottom 15% in Mid-Market
- - Flatlined Growth: Bottom 33% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.5B
-0.0% YoY
+1.6% QoQ
|
-$1.9B |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$4.8B
+3.4% YoY
+1.1% QoQ
|
-$2.4B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$6.9B
+4.1% YoY
-1.8% QoQ
|
-$1.6B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.97%
-16.7% YoY
+9.0% QoQ
|
-0.19% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.04%
+3.2% YoY
+1.9% QoQ
|
-0.36% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
52.06%
-1.9% YoY
-2.5% QoQ
|
-4.54% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.22%
+218.5% YoY
+30.3% QoQ
|
-0.46% |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
68.76%
-0.7% YoY
+2.9% QoQ
|
-16.71% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.76%
+5.6% YoY
+1.4% QoQ
|
+1.12% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.13%
+200.6% YoY
+30.7% QoQ
|
-0.37% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
16.66%
+8.5% YoY
+2.0% QoQ
|
+3.11% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.55%
+7.1% YoY
+35.6% QoQ
|
-0.41% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#4 of 50 · Top 6% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.22%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Margin Compression
decline
#2 of 19 · Bottom 6% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.97%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
Credit Risk Growth
risk
#14 of 87 · Bottom 15% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#15 of 44 · Bottom 33% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.97%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Tier 1 Capital Ratio
Current: 16.66% · Tier avg: 13.55%
87
87th pctile
Loan-to-Deposit Ratio
Current: 68.76% · Tier avg: 85.47%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%
68
68th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 56.60%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 20.64%
51
51th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
50
50th pctile
Total Deposits
Current: $6.9B · Tier avg: $8.5B
35
35th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.96%
34
34th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
33
33th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
30
30th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.40%
Top Weaknesses
30
30th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.40%
33
33th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
34
34th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
35
35th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.96%
50
50th pctile
Total Deposits
Current: $6.9B · Tier avg: $8.5B
51
51th pctile
Total Assets
Current: $8.5B · Tier avg: $10.5B
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 20.64%
68
68th pctile
Efficiency Ratio
Current: 52.06% · Tier avg: 56.60%
83
83th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.68%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
87
87th pctile
Loan-to-Deposit Ratio
Current: 68.76% · Tier avg: 85.47%
89
89th pctile
Tier 1 Capital Ratio
Current: 16.66% · Tier avg: 13.55%