SOUTHSIDE BANCSHARES INC
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
SBSI$35.09+0.0%Stored close · as of Nov 10, 2026
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Glossary of Acronyms, Abbreviations and Terms
The acronyms, abbreviations and terms listed below are used in various sections of this Form 10-K, including "Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations" and "Item 8. Financial Statements and Supplementary Data."
| Entities: | |
|---|---|
| Southside Bancshares, Inc. | Bank holding company for Southside Bank |
| Southside Bank | Texas state bank and wholly owned subsidiary of Southside Bancshares, Inc. |
| Company | Combined entities of Southside Bancshares, Inc. and its subsidiaries, including Southside Bank |
| Bank | Southside Bank |
| Omni | OmniAmerican Bancorp, Inc., a bank holding company, and its wholly-owned subsidiary, OmniAmerican Bank, acquired by Southside on December 17, 2014 |
| Southside | Southside Bancshares, Inc. |
| Other Acronyms, Abbreviations and Terms: | |
| 2024 Form 10-K | Southside Bancshares, Inc. Annual Report on Form 10-K for the year ended December 31, 2024, filed with the SEC on February 27, 2025 |
| 2025 Incentive Plan | Southside Bancshares, Inc. 2025 Incentive Plan |
| 401(k) Plan | 401(k) Defined Contribution Plan |
| Acquired Retirement Plan | OmniAmerican Bank defined benefit pension plan |
| AFS | Available for sale |
| AI | Artificial intelligence |
| ALCO | Asset/Liability Committee |
| AML | Anti-money laundering |
| AOCI | Accumulated other comprehensive income or loss |
| ASC | Accounting Standards Codification |
| ASU | Accounting Standards Update issued by the FASB |
| ATM | Automated teller machines |
| BTFP | The Federal Reserve’s Bank Term Funding Program |
| Basel Committee | Basel Committee on Banking Supervision |
| BHCA | Bank Holding Company Act of 1956 |
| Board | Board of directors |
| BOLI | Bank owned life insurance |
| CBCA | Change in Bank Control Act |
| CBLR | Community Bank Leverage Ratio framework |
| CDs | Certificates of deposit |
| CECL | ASC 326, Financial Instruments- Credit Losses, also known as Current Expected Credit Losses |
| CET1 | Common Equity Tier 1 |
| CFPB | Consumer Financial Protection Bureau |
| CISO | Chief Information Security Officer |
| CMOs | Collateralized mortgage obligations |
| CRE | Commercial real estate |
| CRE Guidance | Collectively, the Final Interagency Policy Statement on Prudent Commercial Real Estate Loan Accommodations and Workouts and the Interagency Statement on Prudent Risk Management for Commercial Real Estate Lending released in December 2015. |
| COVID-19 | Novel strain of coronavirus |
| CRA | Community Reinvestment Act |
| DEI | Diversity, equity and inclusion |
| DIF | FDIC’s Deposit Insurance Fund |
|---|---|
| Dodd-Frank Act | Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 |
| DRIP | Dividend Reinvestment Plan |
| ESG | Environmental, social and governance |
| ESOP | Employee Stock Ownership Plan |
| ETR | Effective tax rate |
| Exchange Act | Securities Exchange Act of 1934 |
| Fannie Mae | Federal National Mortgage Association |
| FFIEC | Federal Financial Institutions Examination Council |
| FASB | Financial Accounting Standards Board |
| FDIA | Federal Deposit Insurance Act |
| FDIC | Federal Deposit Insurance Corporation |
| FDICIA | Federal Deposit Insurance Corporation Improvement Act of 1991 |
| Federal Reserve | The Board of Governors of the Federal Reserve System |
| FHLB | Federal Home Loan Bank |
| FinCEN | Financial Crimes Enforcement Network |
| Fintech | Financial technology |
| FRA | Federal Reserve Act |
| FRBNY | Federal Reserve Bank of New York |
| FRDW | Federal Reserve Discount Window |
| Freddie Mac | Federal Home Loan Mortgage Corporation |
| FTE | Fully-taxable equivalents measurements |
| GAAP | United States generally accepted accounting principles |
| GLBA | Gramm-Leach-Bliley Act |
| GNMA | Government National Mortgage Association |
| GSEs | U.S. government-sponsored enterprises |
| HTM | Held to maturity |
| ITM | Interactive teller machines |
| LIBOR | London Interbank Offered Rate |
| LPO | Loan production office |
| MBS | Mortgage-backed securities |
| MVPE | Market value of portfolio equity |
| NPI | Nonpublic personal information |
| NQSO | Nonqualified stock options |
| NYSE | New York Stock Exchange |
| OFAC | The U.S. Department of the Treasury’s Office of Foreign Assets Control |
| OREO | Other real estate owned |
| PCAOB | Public Company Accounting Oversight Board |
| Plan | Stock Repurchase Plan |
| PSU | Performance-based restrictive stock units |
| REIT | Real estate investment trust |
| Repurchase agreements | Securities sold under agreements to repurchase |
| RESPA | Real Estate Settlement Procedures Act |
| Restoration Plan | Nonfunded supplemental retirement plan |
| Retirement Plan | Defined benefit pension plan |
| ROATCE | Return on Average Tangible Common Equity |
| ROU | Right-of-use |
| RSU | Restricted stock units |
| SEC | Securities and Exchange Commission |
|---|---|
| SOFR | Secured Overnight Financing Rate provided by the Federal Reserve Bank of New York |
| TDB | Texas Department of Banking |
| TILA | Truth in Lending Act |
| U.S. | United States |
| USA PATRIOT Act | Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 |
| VIE | Variable interest entity |
| Volcker Rule | Section 619 of the Dodd-Frank Act |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.