BanksSOUTHSTATE BANK, N.A.

SOUTHSTATE BANK, N.A.

WINTER HAVEN, FLRegionalEst. Feb. 21, 1992, midnightFDIC #33555RSSD #1929247OCC
Latest · 2025-12-31

SOUTHSTATE BANK, N.A. is an 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%. CET1 capital ratio: 12.54%, well above regulatory minimums. NPL ratio: 0.61% · Texas Ratio: 2.98%. Operates 346 domestic branches.

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 Margin3.88%
Yield on Assets5.54%
Cost of Funds1.86%

Asset Quality

NPL Ratio0.61%
Net Charge-Off Ratio0.23%
Texas Ratio2.98%
NPA Ratio0.46%
ACL / Loans1.20%

Capital & Liquidity

CET1 Ratio12.54%
Tier 1 Capital12.54%
Total Capital Ratio13.68%
Leverage Ratio10.22%
Loan-to-Deposit88.63%

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