SouthState Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
SouthState Bank, N.A. is an FDIC-insured commercial bank headquartered in Winter Haven, FL, supervised by the OCC, with $68.79B in total assets at Q2 2026, up 4.4% from Q2 2025, the largest of 81 banks headquartered in Florida. It was established in 1992 and holds FDIC certificate 33555. Its CET1 capital ratio was 12.17% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33555
- Headquarters
- Winter Haven, FL
- Established
- 1992
- Total assets, Q2 2026
- $68.79B
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 12.17%
- Domestic offices
- 374 · SouthState Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 063116737
- Safety and soundness
- Is SouthState Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 041 · SouthState Bank, N.A. call report
- Holding company
- SOUTHSTATE BANK CORPORATION
- Asset rank in state
- 1st of 81 in Florida
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 374 domestic branches. On most measures it sits near the middle of the 124 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%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, SouthState Bank, N.A. is the largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.4% to $68.79B, loans rose 2.9% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.8% of total loans, ahead of 1-4 family residential loans at 23.7%. On its Q2 2026 call report, SouthState Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 374 FDIC institution directory, current count
- 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)
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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, SouthState Bank, N.A.'s total assets ranged from $44.89B (Q4 2023) to $68.79B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$68.79B total assets against $65.87B; $59.10B total liabilities against $56.48B.
$50.67B net loans and leases against $46.97B; $56.38B total deposits against $54.20B.
$8.55B securities against $8.07B; $2.25B cash and balances due against $3.46B.
$837.3M total interest income against $840.4M; $249.8M total interest expense against $247.0M.
$587.5M net interest income against $593.4M.
$106.6M total noninterest income against $86.9M; $362.8M total noninterest expense against $371.0M.
$15.9M provision for credit losses against $7.5M.
$242.8M net income against $230.7M.
1.42% return on assets against 1.42%; 3.84% net interest margin against 4.08%.
12.17% CET1 capital ratio against 12.38%; 10.28% tier 1 leverage ratio against 10.16%.
Inside the full SouthState Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 41 of 4,196, for total assets; its furthest is 1,653 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.67% (Q1 2025) to 1.61% (Q3 2025) and its net interest margin ran from 3.41% (Q3 2024) to 4.19% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.17% | 1.42% | 0.54% | 3.43% | 3.84% |
| Q1 2026 | 12.33% | 1.42% | 0.61% | 4.07% | 3.81% |
| Q4 2025 | 12.54% | 1.56% | 0.62% | 3.78% | 3.96% |
| Q3 2025 | 12.62% | 1.61% | 0.63% | 4.00% | 4.19% |
| Q2 2025 | 12.38% | 1.42% | 0.63% | 4.19% | 4.08% |
| Q1 2025 | 12.29% | 0.67% | 0.58% | 3.64% | 3.84% |
| Q4 2024 | 13.38% | 1.29% | 0.62% | 3.78% | 3.51% |
| Q3 2024 | 13.15% | 1.30% | 0.56% | 3.35% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 349 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 2.1% of deposits in FL, rank 14 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is SouthState Bank, N.A. headquartered?
It is headquartered in Winter Haven, FL, United States.
When was SouthState Bank, N.A. founded?
It was established in 1992, per the FDIC institution directory.
Is SouthState Bank, N.A. FDIC-insured?
Yes. It 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.
What is SouthState Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 374 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?
Its Texas Ratio is 3.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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