Southside Bancshares : Annual Report of 2025 Annual Report

About this update from Southside Bancshares, Inc.

2025 ANNUAL REPORT T E X A S V I N G SOUTHSIDE BANCSHARES, INC. H T U O S S E R B E D I S YEARS ANNUAL REPORT 2025 | SOUTHSIDE BANCSHARES, INC. Table of Contents A Letter From Our CEO 4 Location Map 8 Financial Highlights 10 Board of Directors 11 Officers and Directors 12 Form 10-K 16 3 A Letter From Our CEO Keith M. Donahoe Honoring the Legacy of Leadership Dear Fellow Shareholders, It is an honor to write to you for the first time as Chief Executive Officer of Southside Bancshares, Inc. While my appointment as CEO became effective January 1, 2026, I have had the privilege of serving as President since May 2024 and working closely with our leadership team and Board during a meaningful period of transition and opportunity for our organization. As we reflect on 2025, I am proud of the strength, resilience, and commitment demonstrated by our team members across Southside. Their dedication to our customers, communities, and one another continues to define who we are and positions us well for the future. Before diving into this year's Annual Report, I'd like to give special recognition to former Southside CEO, Lee R. Gibson, who concluded more than 40 years of service to the Bank and celebrated retirement on December 31, 2025. Lee's impact on Southside cannot be overstated. Under his leadership, Southside experienced extraordinary growth, expanded its geographic footprint, strengthened its financial foundation, and cultivated a workplace culture rooted in integrity, collaboration, and service. Just as importantly, Lee built an organization where people matter - a culture that values relationships, empowers team members, and consistently puts customers first. On behalf of our Board, our team members, and our shareholders, I extend my sincere gratitude to Lee for his vision, leadership, and lasting contributions to Southside. We also recognize and thank Brian McCabe, who retired as Chief Operating Officer in November 2025 following a distinguished 40-plus-year career in banking. Brian's steady leadership, operational expertise, and commitment to excellence helped guide Southside through periods of growth and change, and his influence will be felt for years to come. Our appreciation also goes out to Michael Bosworth who has served on the Board of Directors 4 ANNUAL REPORT 2025 | SOUTHSIDE BANCSHARES, INC. since 2015 and who will be retiring in 2026. I have no do...

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