Southside Bancshares, Inc. is a Texas-based bank holding company that operates Southside Bank, a community-focused financial institution serving East Texas, Southeast Texas, and the greater Dallas-Fort Worth, Austin, and Houston metropolitan areas through its branch network. The bank generates revenue primarily through net interest income on its loan portfolio, which consists principally of real estate loans (including construction, residential, and commercial real estate), commercial loans for working capital and equipment financing, municipal loans to Texas entities, and consumer loans, complemented by fee income from deposits, wealth management, trust services, brokerage services, and safe deposit services. Southside Bank is funded primarily through customer deposits, supplemented by borrowings from the Federal Home Loan Bank and other sources, and maintains a well-capitalized balance sheet with capital ratios in excess of regulatory requirements.