SouthState Bank, National Association
Total assets
$68.79B
▲ +4.4% YoY
Deposits
$56.38B
▲ +4.0% YoY
Loans
$50.67B
▲ +7.9% YoY
Offices
373
SOUTHSTATE BANK CORP
ROA (annualized)
1.42%
peers 1.23%
ROE (annualized)
9.97%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.9% | -1.4 pts |
| Deposit growth (YoY) | +4.0% | +5.7% | -1.7 pts |
| Loan growth (YoY) | +7.9% | +6.9% | +0.9 pts |
| ROA | 1.42% | 1.23% | +0.2 pts |
| ROE | 10.0% | 11.2% | -1.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
Profile
- Established
- 1992
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- SOUTHSTATE BANK CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1101 1st St S, Winter Haven, FL, 33880
- County
- Polk
- Metro area
- Lakeland-Winter Haven, FL
- Offices
- 373
- FDIC cert #
- 33555
- RSSD ID
- 1929247
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.79B | $56.38B | $50.67B | $9.70B | $481.1M | 1.42% | 3.86% | 0.42% |
| Q1 2026 | $67.87B | $55.92B | $49.24B | $9.59B | $238.3M | 1.41% | 3.84% | 0.48% |
| Q4 2025 | $67.18B | $55.22B | $48.36B | $9.67B | $866.5M | 1.40% | 4.31% | 0.46% |
| Q3 2025 | $66.03B | $54.19B | $47.42B | $9.59B | $604.9M | 1.33% | 4.40% | 0.48% |
| Q2 2025 | $65.87B | $54.20B | $46.97B | $9.38B | $339.3M | 1.15% | 4.41% | 0.49% |
| Q1 2025 | $65.11B | $53.44B | $46.50B | $9.25B | $108.6M | 0.78% | 4.52% | 0.43% |
| Q4 2024 | $46.37B | $38.17B | $33.72B | $6.16B | $565.3M | 1.24% | 3.55% | 0.46% |
| Q3 2024 | $46.07B | $37.75B | $33.37B | $6.18B | $413.5M | 1.21% | 3.52% | 0.41% |
Loan mix (Q2 2026): real estate $40.60B · commercial $7.12B · consumer $934.0M · securities $8.55B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.23% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.3% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.55% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 54.9% | 31th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- EverBank, National AssociationJacksonville, FL · $46.69B
- Raymond James BankSaint Petersburg, FL · $45.60B
- CIBC Bank USAChicago, IL · $66.50B
- Valley National BankPassaic, NJ · $66.23B
- UMB Bank, National AssociationKansas City, MO · $71.90B
- Columbia BankRoseburg, OR · $65.37B
Selling to SouthState Bank, National Association?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.