HIGHBuilt-inLoan_portfolio
82.7%
loans secured by real estate
“10-K Item 1A: 'As of December 31, 2025, approximately 82.7% of our loans have real estate as a primary or secondary component of collateral.'”
SBSI · Concentration risk · 10-K extracted
Southside Bancshares (SBSI) concentration risks
Updated
The most significant concentration Southside Bancshares discloses is loans secured by real estate at 82.7%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Southside Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH1
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Southside Bancshares' concentration risk is centered on a single, high-share structural exposure: approximately 82.7% of the bank's loans have real estate as a primary or secondary component of collateral. This is a structural rather than counterparty-specific exposure — it reflects the bank's overall asset composition rather than dependence on any single borrower, customer, or supplier relationship. Because real estate collateral is embedded so broadly across the loan book, the bank's credit performance is closely tied to real estate values and the health of the property markets it lends into; a broad decline in collateral values would pressure loan-loss provisioning and capital ratios more directly than it would for a bank with a more diversified collateral mix. No customer, geographic, or supplier concentration is disclosed in the cited claims, so this real-estate-collateral concentration is the dominant, and likely verdict-moving, exposure on record. Given how high the disclosed share is, this is best understood as a core structural feature of the bank's lending model rather than an idiosyncratic or easily diversifiable risk.
For the engine’s reasoning on SBSI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| SBSI● | Southside Bancshares, Inc. | 1 | 0 | 0 | 1 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.