SOUTHSTATE BANK, N.A.

WINTER HAVEN, FL | Regional | Est. Feb. 21, 1992, midnight | FDIC #33555 | RSSD #1929247 | OCC
Latest Report: 2025-12-31

SOUTHSTATE BANK, N.A. is arn regional FDIC-insured commercial bank headquartered in WINTER HAVEN, FL, established in Feb. 21, 1992, midnight. As of 2025-12-31, the bank reported total assets of $67.2B and total deposits of $55.2B. Profitability stands at 1.57% ROA and 10.87% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 12.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 2.98%. FDIC Certificate #33555.

Assets

$67.2B

Deposits

$55.2B

Loans

$48.9B

Equity

$9.7B

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 10.87%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.54%
Cost of Funds 3.80%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.23%
Texas Ratio 2.98%
NPA Ratio 0.46%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.54%
Tier 1 Capital 12.54%
Total Capital Ratio 13.68%
Leverage Ratio 10.22%
Loan-to-Deposit 88.63%

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