SouthState Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
SouthState Bank, N.A. is the 41st-largest bank in the United States, with $68.8 billion in assets at June 30, 2026, up 4.4% from a year earlier. It is headquartered in Winter Haven, Florida, and operates 373 domestic branches. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Loans are outrunning deposits: over the year loans rose 7.7% and deposits rose 4.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, SouthState Bank, N.A. reported a CET1 capital ratio of 12.17%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 3.43%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1101 1st St S, Winter Haven, FL 33880
- County
- Polk
- Metro Area
- Lakeland-Winter Haven, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 21, 1992
- Former names
- CenterState Bank, National Association (2017-2020); CenterState Bank of Florida, National Association (2006-2017)
- Offices
- 373 domestic
- Employees (FTE)
- 6,430
- Domestic deposits
- $56.38B
- Allowance for credit losses
- $586.7M
- Net charge-offs (YTD)
- $18.4M
- Average total assets
- $68.16B
- Average total loans
- $50.53B
- Average interest-bearing deposits
- $42.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 21, 1992
- FDIC Cert
- 33555
- Fed RSSD
- 1929247
- SEC CIK
- 764038 → filed by SOUTHSTATE BANK CORPORATION
- Website
- www.southstatebank.com →
- Parent Holding Company
- SOUTHSTATE BANK CORPORATION (RSSD 1133437) · SSB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John C Corbett | CEO | CEO |
| Robert R Hill Jr | CHR | Executive Chairman |
| Richard Murray Iv | PRES | President |
| Matthews William E V | CFO | Chief Financial Officer |
| Renee R Brooks | COO | Chief Operating Officer |
| Daniel E Bockhorst | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full SouthState Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock SouthState Bank, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
SouthState Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 1.42% | 1.07% | 3.43% | 3.84% |
| Q1 2026 | 12.33% | 1.42% | 1.07% | 4.07% | 3.81% |
| Q4 2025 | 12.54% | 1.56% | 1.00% | 3.78% | 3.96% |
| Q3 2025 | 12.62% | 1.61% | 0.94% | 4.00% | 4.19% |
| Q2 2025 | 12.38% | 1.42% | 0.69% | 4.19% | 4.08% |
| Q1 2025 | 12.29% | 0.67% | 0.65% | 3.64% | 3.84% |
| Q4 2024 | 13.38% | 1.29% | 0.67% | 3.78% | 3.51% |
| Q3 2024 | 13.15% | 1.30% | 0.62% | 3.35% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 349 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southstate Bank, National Association | Winter Haven , FL | 33880 | $6.75B |
| Buckhead South Branch | Atlanta , GA | 30305 | $3.49B |
| Charleston Broad Street Branch | Charleston , SC | 29401 | $894.8M |
| Celina Branch | Celina , TX | 75009 | $637.1M |
| National Bank of Commerce Branch | Birmingham , AL | 35223 | $579.9M |
| Huntsville Branch | Huntsville , AL | 35801 | $552.4M |
| Dallas-Parkway Branch | Dallas , TX | 75248 | $532.8M |
| Mckinney Henneman Branch | Mckinney , TX | 75070 | $532.8M |
| Charlotte Morrison Branch. | Charlotte , NC | 28211 | $500.5M |
| East Broad Street Branch | Greenville , SC | 29601 | $493.6M |
| Stuart Branch | Stuart , FL | 34996 | $478.7M |
| Rock Hill Branch | Rock Hill , SC | 29732 | $472.1M |
| Austin Branch | Austin , TX | 78756 | $460.7M |
| Cherry Creek Branch | Denver , CO | 80206 | $440.1M |
| Augusta Branch | Augusta , GA | 30909 | $438.9M |
| South State Main Office Branch | Columbia , SC | 29201 | $415.0M |
| Savannah Branch | Savannah , GA | 31401 | $409.6M |
| Memorial | Houston , TX | 77024 | $405.4M |
| Boulevard Branch | Ocala , FL | 34470 | $398.9M |
| East Boca Branch | Boca Raton , FL | 33432 | $356.1M |
| St. Matthews Road Branch | Orangeburg , SC | 29115 | $345.0M |
| East 29th Street Branch | Loveland , CO | 80538 | $342.2M |
| Anderson Branch | Anderson , SC | 29621 | $337.2M |
| Anna Branch | Anna , TX | 75409 | $331.8M |
| Farmersville Branch | Farmersville , TX | 75442 | $322.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2025 | M&A | Acquired Independent Bank merger for the acquired bank | SEC |
| January 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2025 | Structure Change | Acquired Independent Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2022 | M&A | Acquired Atlantic Capital Bank, N.A. merger for the acquired bank | SEC |
| March 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2022 | Structure Change | Acquired Atlantic Capital Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 8, 2020 | M&A | Acquired South State Bank merger for the acquired bank | SEC |
| June 8, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 8, 2020 | Structure Change | Acquired South State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | M&A | Acquired National Bank of Commerce merger for the acquired bank | SEC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired National Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2018 | M&A | Acquired CharterBank merger for the acquired bank | SEC |
| September 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2018 | Structure Change | Acquired CharterBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2018 | M&A | Acquired Sunshine Bank merger for the acquired bank | SEC |
| January 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2018 | Structure Change | Acquired Sunshine Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2017 | M&A | Acquired Gateway Bank of Florida merger for the acquired bank | SEC |
| May 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2017 | Structure Change | Acquired Gateway Bank of Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2017 | M&A | Acquired Platinum Bank merger for the acquired bank | SEC |
| April 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2017 | Structure Change | Acquired Platinum Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2016 | M&A | Acquired 1st National Bank of South Florida merger for the acquired bank | SEC |
| March 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2016 | Structure Change | Acquired 1st National Bank of South Florida Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 25, 2015 | M&A | Acquired SouthBank, a Federal Savings Bank merger for the acquired bank | SEC |
| July 25, 2015 | Structure Change | Acquired SouthBank, a Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 2014 | M&A | Acquired First Southern Bank merger for the acquired bank | SEC |
| June 2, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2014 | Structure Change | Acquired First Southern Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2014 | Structure Change | Acquired Gulfstream Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 17, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 2014 | M&A | Acquired Gulfstream Business Bank merger for the acquired bank | SEC |
| June 1, 2012 | M&A | Acquired Valrico State Bank merger for the acquired bank | SEC |
| June 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2012 | Structure Change | Acquired Valrico State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 2012 | M&A | Acquired First Guaranty Bank and Trust Company of Jacksonville failure_government_assistance_provided for the acquired bank | SEC |
| January 28, 2012 | Structure Change | Acquired First Guaranty Bank and Trust Company of Jacksonville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 27, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 2012 | Structure Change | Acquired Central Florida State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 42 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for SouthState Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.1% of deposits in FL, rank 14 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 15,346 applications, 9,966 loans originated, $3.86B originated, across 37 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 219 loans, $116.8M approved, $533K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 107 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about SouthState Bank, N.A.
What are SouthState Bank, N.A.'s total assets?
As of the Q2 2026 filing, SouthState Bank, N.A. reported total assets of $68.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SouthState Bank, N.A. headquartered?
SouthState Bank, N.A. is headquartered in Winter Haven, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was SouthState Bank, N.A. founded?
SouthState Bank, N.A. was established in 1992, per the FDIC institution directory.
Is SouthState Bank, N.A. FDIC-insured?
Yes. SouthState Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #33555). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SouthState Bank, N.A.?
SouthState Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is SouthState Bank, N.A.'s CET1 capital ratio?
SouthState Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 12.17% in its Q2 2026 call report, above regulatory requirements.
How many branches does SouthState Bank, N.A. operate?
SouthState Bank, N.A. operates 373 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SouthState Bank, N.A.'s Texas Ratio?
SouthState Bank, N.A.'s Texas Ratio is 3.43% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was SouthState Bank, N.A. previously called?
The charter now named SouthState Bank, N.A. has also operated as CenterState Bank, National Association (2017-2020), CenterState Bank of Florida, National Association (2006-2017), per FDIC structure-change records.
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