Southside Bancshares (SBSI) Q2 FY26 earnings call

Southside Bancshares delivered a strong second quarter, marked by robust non-interest income growth and effective expense management, which drove a significant increase in net income and EPS. Despite these gains, the company faced continued pressure on its net interest margin due to higher funding costs and elevated loan payoffs, leading to flat loan balances and a decrease in overall deposits. Management remains focused on strategic loan growth and potential M&A opportunities while navigating a competitive deposit environment.