GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SBSI · Sep 30, 2026

SOUTHSIDE BANCSHARES INC. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]

Inspectable configuration

State dimensions

Filing0000705432-26-000111Bank

Sequential deposit growth10thOwn-history percentile · N=20

Evidence method

Sequential · gp.financial.deposits

-2.52% · CORE · VALID

Net-income growth100thOwn-history percentile · N=20

Evidence method

Yoy · gp.fundamentals.net_income

469.43% · CORE · VALID

Interest-income growth40thOwn-history percentile · N=20

Evidence method

Yoy · gp.financial.interest_income

4.88% · CORE · VALID

Cash and equivalents75thOwn-history percentile · N=20

Evidence method

Level · gp.fundamentals.cash

$436.4M · CORE · VALID

Sequential loan growth25thOwn-history percentile · N=20

Evidence method

Sequential · gp.financial.loans

0.16% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History8 statesSelf-history eligible

Dec 31, 20200/3 normalizedLevel 3 Jun 30, 20210/6 normalizedLevel 3 Sep 30, 20210/6 normalizedLevel 3 Dec 31, 20210/6 normalizedLevel 3 Mar 31, 20220/6 normalizedLevel 3 Jun 30, 20221/6 normalizedLevel 3 Sep 30, 20222/6 normalizedLevel 3 Sep 30, 20265/5 normalizedLevel 4

Period transition

What moved in the state?

Deposit Growth Increased

Previous: -10.26%
Current: -2.52%
Delta: 7.73%

Earnings Growth Increased

Previous: 23.03%
Current: 469.43%
Delta: 446.40%

Interest Income Growth Decreased

Previous: 5.44%
Current: 4.88%
Delta: -0.55%

Liquidity Increased

Previous: $397.3M
Current: $436.4M
Delta: $39.1M

Loan Growth Increased

Previous: 0.08%
Current: 0.16%
Delta: 0.08%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Jun 30, 2026

Similarity: 93%
Compared: 5 dimensions
Coverage: 100%

Liquidity 10.0 · Loan Growth 5.0 · Deposit Growth 10.0 · Earnings Growth 5.0 · Interest Income Growth 5.0

Sep 30, 2024

Similarity: 86%
Compared: 5 dimensions
Coverage: 100%

Liquidity 19.1 · Loan Growth 17.9 · Deposit Growth 8.8 · Earnings Growth 15.4 · Interest Income Growth 1.5

Mar 31, 2023

Similarity: 83%
Compared: 3 dimensions
Coverage: 60%

Liquidity 25.0 · Loan Growth 12.5 · Deposit Growth 10.0

Mar 31, 2025

Similarity: 77%
Compared: 5 dimensions
Coverage: 100%

Liquidity 3.9 · Loan Growth 18.8 · Deposit Growth 6.7 · Earnings Growth 40.0 · Interest Income Growth 26.7

Mar 31, 2024

Similarity: 64%
Compared: 5 dimensions
Coverage: 100%

Liquidity 18.3 · Loan Growth 16.7 · Deposit Growth 11.4 · Earnings Growth 72.7 · Interest Income Growth 23.6

Research Graph

Related governed research

Analogous To · SBSI state analogue 1 →Compared To · State Commercial Banks peers →Analogous To · SBSI state analogue 3 →Analogous To · SBSI state analogue 5 →Analogous To · SBSI state analogue 2 →Analogous To · SBSI state analogue 4 →Derived From · SBSI Company Quality Vector →Has State · SOUTHSIDE BANCSHARES INC →Transitioned To · SBSI DEPOSIT_GROWTH_INCREASED →Transitioned To · SBSI EARNINGS_GROWTH_INCREASED →Transitioned To · SBSI INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · SBSI LIQUIDITY_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.