South Side Trust & Savings Bank
Southside Bank is a privately held Texas community bank headquartered in Tyler that delivers retail, business, mortgage, treasury management, and wealth/trust services to individuals, SMBs, and high-net-worth clients across multiple Texas markets.
- Company typePrivate
- Founded-
- HeadquartersChampaign, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What South Side Trust & Savings Bank does
Southside Bank is a privately held, Texas-based community bank headquartered in Tyler that provides a full-service retail, commercial, mortgage, and wealth management banking platform to individuals, small and mid-sized businesses, and high-net-worth households across multiple Texas markets including Austin, Dallas, Fort Worth, Houston, Southeast Texas, and East Texas. Its product architecture follows a core-plus-modules structure: core deposit products (Classic Checking, savings, CDs, retirement accounts), core lending products (mortgage, personal loans, student loans, business loans, personal and business credit cards), and a digital banking layer (online banking, mobile app, mobile deposit, text banking, eStatements) — supplemented by a business treasury management suite (ACH, Autobooks, Brink's Complete, lockbox, merchant services, remote deposit capture, zero balance accounts, corporate online banking) and an Interactive Teller Machine for extended-hours branch service.
The bank earns revenue through four streams: net interest income on its loan portfolio (mortgages, personal, business, credit cards), deposit and account fees on checking/savings/CDs/retirement accounts, wealth management and trust fees from investment management and trust services, and treasury management transaction fees for business cash management. Distribution is a hybrid model combining a Texas branch network with self-serve digital channels and a contact center; the go-to-market motion is enterprise field sales in the sense that relationship managers call on individuals, businesses, and wealth clients locally through branches. Pricing is not publicly disclosed; rates are accessible only via inquiry or authenticated login. The bank holds FDIC insurance and Equal Housing Lender status, and recently expanded its footprint with new branches in The Woodlands (Greater Houston entry), Bellwood Park in west Tyler, and Cleveland, while extending wealth management into North Texas under a new Regional President.
South Side Trust & Savings Bank firmographics
Firmographics- Name
- South Side Trust & Savings Bank
- Legal name
- Southside Bank
- Website
- https://southsidebank.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Southside Bank is a privately held Texas community bank headquartered in Tyler that delivers retail, business, mortgage, treasury management, and wealth/trust services to individuals, SMBs, and high-net-worth clients across multiple Texas markets.
- Ownership category
- akta.pro rank
South Side Trust & Savings Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)
Keywords
Where South Side Trust & Savings Bank is headquartered
LocationHeadquarters
- HQ city
- Champaign
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
South Side Trust & Savings Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking revenue generated from interest on loans including mortgage loans, personal loans, business loans, and credit cards
- Deposit and Account Fees: Fees associated with checking accounts, savings accounts, CDs, and retirement accounts
- Wealth Management and Trust Fees: Revenue from investment services and wealth management services including investment management and trust services
- Treasury Management Fees: Fees for business services including ACH receipts/payments, merchant services, lockbox services, payroll services, and corporate online banking
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
South Side Trust & Savings Bank product offering
Product offeringCore offering
South Side Trust & Savings Bank (operating as Southside Bank) provides comprehensive retail and commercial banking products including personal checking, savings, CDs, and retirement accounts, mortgage lending, personal and student loans, business checking and savings, business loans, business credit cards, treasury management services, and wealth management and trust services. Distribution is through an extensive Texas branch network supplemented by online and mobile digital banking channels.
Product overview
Southside Bank is a regional financial institution offering a comprehensive suite of banking products across personal, business, and wealth management segments. The bank operates on a platform-plus-modules architecture with core deposit and lending products (checking, savings, CDs, mortgages, loans) complemented by digital banking modules (online banking, mobile app, mobile deposit, text banking, eStatements) and business treasury management services (ACH payments, lockbox, merchant services, corporate online banking, zero balance accounts). Wealth management and trust services round out the holistic financial offerings. The bank serves customers across Texas through branches and digital channels.
Differentiator
Problem solved
Functional benefit
Products and services
- Classic Checking Primary personal checking account offering, described as the bank's most popular account, for individual consumers seeking everyday banking.
- Personal Savings Personal savings account for individual customers to build savings toward financial goals.
- Certificates of Deposit (CDs) Time deposit accounts with fixed terms and rates for personal savings growth.
- Retirement Accounts Individual retirement accounts and pension planning products for personal retirement preparation.
- Mortgage Lending Home purchase and refinancing loans for homebuyers and homeowners, with online and in-branch application options.
- Personal Credit Cards Credit card products for personal consumer use.
- Personal Loans Unsecured personal loans for individual financial needs.
- Student Loans Education financing products for students.
- Business Accounts Checking and savings accounts designed for business operations.
- Business Savings Savings products for business customers to manage operating reserves.
- Business Loans Commercial lending products including term loans and lines of credit for businesses.
- Business Credit Cards Credit card products for business expense management.
- Treasury Management Services Comprehensive cash management suite for business customers including payables, receivables, ACH receipts and payments, fraud prevention, cash sweep (zero balance accounts), lockbox, merchant services, payroll services, remote deposit capture, and corporate online banking.
- Investment Services Brokerage and investment advisory services for wealth building, targeting high-net-worth individuals and families.
- Wealth Management and Trust Comprehensive wealth management, estate planning, and trust services for high-net-worth individuals, with current expansion into North Texas.
Companies that use South Side Trust & Savings Bank
Customer profileSegments4 records
Ideal customer profiles4 records
South Side Trust & Savings Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature4 records
South Side Trust & Savings Bank partnerships and signals
Strategic signalScale indicators1 record
Recent moves8 records
Expansion highlights5 records
South Side Trust & Savings Bank competitors and assessment
Company assessmentDirect peers
- Frost Bank (Cullen/Frost Bankers): Frost Bank is a Texas-headquartered regional bank offering personal, business, mortgage, and wealth services across major Texas metros with a similar branch-led community banking model. It is the most directly comparable large Texas community bank to Southside Bank.
- Texas Capital Bancshares: Texas Capital Bancshares is a Texas-chartered commercial bank with business banking, treasury management, and wealth services concentrated in Texas. Comparable SMB-tilted commercial banking model.
- Glacier Bancorp: Glacier Bancorp is a multi-state community bank holding company emphasizing relationship banking, business lending, and treasury services. Comparable as a community bank acquirer and operator with similar geographic diversification strategy.
- Veritex Holdings: Veritex Community Bank is a Dallas-based community bank providing commercial, consumer, mortgage, and treasury services across Texas. Strongly comparable on size, geography, and product mix.
- First Financial Bankshares: First Financial Bankshares operates a Texas-based community banking franchise with commercial lending, treasury management, and trust services across multiple Texas regions. Direct overlap in markets and product set.
- Independent Bank Group: Independent Bank Group is a Texas-based community bank serving consumers and SMBs through mortgage, business banking, and wealth services across DFW, Houston, and Austin. Comparable in scale, product mix, and regional focus.
- Prosperity Bancshares: Prosperity Bancshares is a Texas-focused community bank with extensive branch coverage, deposit gathering, and small-to-mid-sized business lending. Its geographic concentration and product mix closely mirror Southside Bank's footprint.
Broad incumbents
- BOK Financial: BOK Financial is a Tulsa-based regional bank with major Texas presence via BOKF/Bank of Texas, offering commercial, treasury, and wealth management. Comparable business banking and treasury management products across overlapping Texas markets.
- Pinnacle Financial Partners: Pinnacle Financial Partners is a Southeast/Texas regional bank with strong community banking, treasury management, and wealth services. Comparable relationship-based community bank model with expanded Texas footprint.
- Cadence Bank: Cadence Bank is a regional bank with significant Texas/Southeast presence offering consumer, business, treasury management, and wealth services. Larger scale but overlapping product suite and geographies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks4 records
Key highlights6 records
Customer concentration
South Side Trust & Savings Bank compliance and trust
Trust signalCompliance2 records
South Side Trust & Savings Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
South Side Trust & Savings Bank leadership team
Management profileNumber of profiles
Profiles1 record
South Side Trust & Savings Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
South Side Trust & Savings Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about South Side Trust & Savings Bank
What does South Side Trust & Savings Bank do?
South Side Trust & Savings Bank (operating as Southside Bank) provides comprehensive retail and commercial banking products including personal checking, savings, CDs, and retirement accounts, mortgage lending, personal and student loans, business checking and savings, business loans, business credit cards, treasury management services, and wealth management and trust services. Distribution is through an extensive Texas branch network supplemented by online and mobile digital banking channels.
Is South Side Trust & Savings Bank a public or private company?
South Side Trust & Savings Bank is a private company. It is classified as unknown and is currently operating.
When was South Side Trust & Savings Bank founded?
South Side Trust & Savings Bank was founded in -1. It employs 101 to 250 people.
Where is South Side Trust & Savings Bank based?
South Side Trust & Savings Bank is headquartered in Champaign, United States, in the North America region.
How does South Side Trust & Savings Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit and Account Fees, wealth Management and Trust Fees and treasury Management Fees.
Who are South Side Trust & Savings Bank's main competitors?
Direct peers on record are Frost Bank (Cullen/Frost Bankers), Texas Capital Bancshares, Glacier Bancorp, Veritex Holdings, First Financial Bankshares, Independent Bank Group and Prosperity Bancshares. Broad incumbents are BOK Financial, Pinnacle Financial Partners and Cadence Bank.
Does South Side Trust & Savings Bank have an API?
No public API is recorded for South Side Trust & Savings Bank.
What industry is South Side Trust & Savings Bank in?
South Side Trust & Savings Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAJ, Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank). Its NAICS code is 52211 and its SIC code is 6022.