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Peer Analysis

Performance Ratios (%) SBSI Peer Median Peer Average
ROAA 0.92 1.03 1.18
ROAE 7.72 8.02 8.32
Net Interest Margin 3.02 3.77 3.80
Efficiency Ratio 51.09 58.24 52.21
Loans / Deposits 75.98 87.12 83.10
Asset Quality Ratios (%)
NPAs / Assets 0.24 0.61 0.63
NCOs / Avg Loans 0.11 0.10 0.16
Reserves / Loans 1.55 1.39 1.44
Reserves / NPAs 340.16 173.97 210.40
Capital Ratios (%)
Tier 1 Capital 15.06 12.29 13.29
Tangible Equity / Tangible Assets 8.50 8.89 9.74
Total Equity / Total Assets 11.15 13.55 13.31
Market Ratios
Price / Earnings (x) 13.04 11.56 12.64
Price / Book (%) 98.01 78.56 104.15
Dividend Yield (%) 5.11 3.32 3.14
Data for trailing four quarters

Southside Bancshares, Inc.'s peer group consists of the following: Allegiance Bancshares, Inc. (ABTX), CBTX, Inc. (CBTX), Cullen/Frost Bankers, Inc. (CFR), First Financial Bankshares, Inc. (FFIN), Guaranty Bancshares, Inc. (GNTY), Prosperity Bancshares, Inc. (PB), Veritex Holdings, Inc. (VBTX)

Southside Bancshares, Inc.'s financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020
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