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Peer Analysis

Performance Ratios (%) SBSI Peer Median Peer Average
ROAA 1.19 1.45 1.41
ROAE 9.77 10.36 10.06
Net Interest Margin 3.12 3.98 3.91
Efficiency Ratio 52.15 55.81 52.62
Loans / Deposits 77.94 92.39 83.60
Asset Quality Ratios (%)
NPAs / Assets 0.45 0.31 0.47
NCOs / Avg Loans 0.18 0.04 0.07
Reserves / Loans 0.72 0.93 0.87
Reserves / NPAs 84.48 170.74 154.04
Capital Ratios (%)
Tier 1 Capital 15.61 13.99 14.58
Tangible Equity / Tangible Assets 9.40 10.11 10.98
Total Equity / Total Assets 12.39 14.85 14.48
Market Ratios
Price / Earnings (x) 16.80 15.13 17.13
Price / Book (%) 153.41 141.28 167.98
Dividend Yield (%) 3.37 1.73 1.76
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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

First Financial Bankshares, Inc.'s financial data is as of 12/31/2019.
Guaranty Bancshares, Inc.'s financial data is as of 12/31/2019.
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