SOUTHSIDE BANCSHARES INC

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

About this filing

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$35.08+2.9%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 16. Form 10-K Summary

Not applicable.

INDEX TO EXHIBITS

Incorporated by Reference
Exhibit Number · Exhibit Description · Filed Herewith · Exhibit · Form · Filing Date · File No.
(3) · Articles of Incorporation and Bylaws
3.1	Restated Certificate of Formation of Southside Bancshares, Inc.	3.1	8-K	05/14/2018	0-12247
3.2	Amended and Restated Bylaws of Southside Bancshares, Inc., as amended	3.2	10-Q	04/30/2025	001-42396
(4)	Instruments defining the rights of security holders, including indentures
4.1	Description of Securities of the Registrant Registered Under Section 12.	4.1	10-K	02/28/2020	0-12247
4.2	Indenture, dated as of November 6, 2020, by and between the Company and UMB Bank, National Association, as Trustee, including the form of the Notes attached as Exhibit A-2 thereto.	4.1	8-K	11/9/2020	0-12247
4.3	Indenture, dated August 14, 2025, between Southside Bancshares, Inc. and Wilmington Trust, National Association, as trustee.	4.1	8-K	08/14/2025	001-42396
4.4	First Supplemental Indenture, dated August 14, 2025, between Southside Bancshares, Inc. and Wilmington Trust, National Association, as trustee, including the form of the Notes attached as Exhibit A thereto.	4.2	8-K	08/14/2025	001-42396
4.5	Management agrees to furnish to the Securities and Exchange Commission, upon request, a copy of any other agreements or instruments of Southside Bancshares, Inc. and its subsidiaries defining the rights of holders of any long-term debt whose authorization does not exceed 10% of total assets.
(10)	Material Contracts
10.1	Officers Long-term Disability Income Plan effective June 25, 1990 (as filed with the Registrant’s Form 10-K for the year ended June 30, 1990).	**10 (b)	10-K	1991
10.2	Retirement Restoration Plan for the subsidiaries of SoBank, Inc. (now named Southside Bancshares, Inc.).	**10 (c)	10-K	1993
10.3	Deferred Compensation Agreement dated June 30, 1994 by and between Southside Bank and Lee Gibson, as amended October 15, 1997.	**10 (f)	10-K	03/30/1998	0-12247
10.4	Deferred Compensation Agreement dated January 15, 2009, by and between Southside Bank and Julie Shamburger.	**10.4	10-K	02/26/2021	0-12247
10.5	First Amendment to Deferred Compensation Agreement dated February 25, 2021, by and between Southside Bank and Julie Shamburger.	**10.5	10-K	02/26/2021	0-12247
10.6	Deferred Compensation Agreement dated January 12, 2009, by and between Southside Bank and Brian McCabe.	**10.7	10-K	02/28/2018	0-12247

Incorporated by Reference
Exhibit Number · Exhibit Description · Filed Herewith · Exhibit · Form · Filing Date · File No.
10.7	Deferred Compensation Agreement dated August 21, 2023, by and between Southside Bank and Keith Donahoe.	**10.8	10-K	2/27/2025	001-42396
10.8	First Amendment to Deferred Compensation Agreement dated December 19, 2024, by and between Southside Bank and Keith Donahoe.	**10.9	10-K	2/27/2025	001-42396
10.9	Split Dollar Agreement dated September 7, 2004 with Lee R. Gibson, III.	**10 (i)	8-K	10/19/2004	3-17203
10.10	Split Dollar Agreement dated February 25, 2021 with Julie Shamburger.	**10.9	10-K	02/26/2021	0-12247
10.11	Split Dollar Agreement dated February 19, 2026 with Keith Donahoe.	**10.1	8-K	2/20/2026	001-42396
10.12	Employment Agreement dated October 22, 2007, by and between Southside Bank and Lee R. Gibson.	**10 (l)	8-K	10/26/2007	3-17203
10.13	Employment Agreement dated June 4, 2008, by and between Southside Bank and Julie Shamburger.	**10.1	10-Q	04/28/2017	0-12247
10.14	Employment Agreement dated November 17, 2008, by and between Southside Bank and Brian McCabe.	**10.14	10-K	02/28/2018	0-12247
10.15	Employment Agreement dated April 28, 2014, by and between Southside Bank, Southside Bancshares, Inc., and T.L. Arnold.	**10.5	S-4	07/18/2014	3-196817
10.16	First Amendment to Employment Agreement dated as of October 25, 2018, by and between Southside Bank and Julie Shamburger.	**10.1	10-Q	10/26/2018	0-12247
10.17	Employment Agreement dated January 23, 2025, by and between Southside Bank and Keith Donahoe.	**10.17	10-K	2/27/2025	001-42396
10.18	Southside Bancshares, Inc. 2009 Incentive Plan.	**99.1	8-K	04/20/2009	3-17203
10.19	Form of Southside Bancshares, Inc. Nonstatutory Stock Option Award Certificate for grant of Options pursuant to the Southside Bancshares, Inc. 2009 Incentive Plan.	**10.1	10-Q	08/08/2011	3-17203
10.20	Southside Bancshares, Inc. 2017 Incentive Plan.	**10.1	8-K	05/12/2017	0-12247
10.21	Form of Southside Bancshares, Inc. Nonstatutory Stock Option Award Certificate for grant of Options pursuant to the Southside Bancshares, Inc. 2017 Incentive Plan.	**10.3	10-Q	10/27/2017	0-12247
10.22	Southside Bancshares, Inc. 2025 Incentive Plan	**99.1	8-K	5/19/2025	001-42396
10.23	Form of Southside Bancshares, Inc. Restricted Stock Unit Award Certificate for employee grant of Units pursuant to the Southside Bancshares, Inc. 2025 Incentive Plan.	**10.1	10-Q	7/25/2025	001-42396

Incorporated by Reference
Exhibit Number	Exhibit Description	Filed Herewith	Exhibit	Form	Filing Date	File No.
10.24	Form of Southside Bancshares, Inc. Restricted Stock Unit Award Agreement for director grant of Units pursuant to the Southside Bancshares, Inc. 2025 Incentive Plan.		**10.2	10-Q	7/25/2025	001-42396
10.25	Form of Southside Bancshares, Inc. Performance-based Restricted Stock Unit Award Agreement for grant of Units pursuant to the Southside Bancshares, Inc. 2025 Incentive Plan.	X
10.26	Form of Note Purchase Agreement, dated as of November 6, 2020, by and among the Company and the Purchasers.		10.1	8-K	11/9/2020	0-12247
10.27	Form of Registration Rights Agreement, dated as of November 6, 2020, by and among the Company and the Purchasers.		10.2	8-K	11/9/2020	0-12247
10.28	Southside Bancshares, Inc. Annual Incentive Program.		**10.1	8-K	06/21/2021	0-12247
(19)	Insider trading policies and procedures
19	Insider Trading Policy	X
(21)	Subsidiaries of the registrant
21	Subsidiaries of the Registrant.	X
(23)	Consents of experts and counsel
23.1	Consent of Independent Registered Public Accounting Firm.	X
(31)	Rule 13a-14(a)/15d-14(a) Certifications
31.1	Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.	X
31.2	Certification Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.	X
(32)	Section 1350 Certification
32	Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.	X
(97)	Policy Relating to Recovery of Erroneously Awarded Compensation
97	Compensation Recoupment Policy	X
(101)	Interactive Date File
101.INS	XBRL Instance Document - the instance document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document.	X
101.SCH	XBRL Taxonomy Extension Schema Document.	X
101.CAL	XBRL Taxonomy Extension Calculation Linkbase Document.	X
101.LAB	XBRL Taxonomy Extension Label Linkbase Document.	X

**Compensation plan, benefit plan or employment contract or arrangement.
			Incorporated by Reference
Exhibit Number	Exhibit Description	Filed Herewith	Exhibit	Form	Filing Date	File No.
101.PRE	XBRL Taxonomy Extension Presentation Linkbase Document.	X
101.DEF	XBRL Taxonomy Extension Definition Linkbase Document.	X
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).	X

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.