SouthState Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 4.9% from Q1 2026 to Q2 2026, ending at -$310.1M against -$326.1M. It was the largest change among the key lines on this page. Within Florida, SouthState Bank, N.A. is 46th of 56 on CET1 ratio, 12.17% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. SouthState Bank, N.A. sits 0.79 points lower, at 12.17% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.17% |
| Tier 1 risk-based capital ratio | 12.17% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.28% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.66B |
| Tier 1 capital | $6.66B |
| Total risk-based capital | $7.27B |
| Total equity capital | $9.70B |
| Risk-weighted assets | $54.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.10% |
| Tangible equity to tangible assets | 9.58% |
| Equity capital to average assets | 14.23% |
| Internal capital growth rate | 3.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $7.81B |
| Retained earnings | $2.20B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$310.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.25% | 12.25% | 13.44% | 9.96% | $35.61B |
| Q4 2023 | 12.52% | 12.52% | 13.75% | 10.03% | $35.34B |
| Q1 2024 | 12.67% | 12.67% | 13.93% | 10.14% | $35.12B |
| Q2 2024 | 12.89% | 12.89% | 14.15% | 10.36% | $35.65B |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 10.59% | $35.76B |
| Q4 2024 | 13.38% | 13.38% | 14.64% | 10.64% | $36.00B |
| Q1 2025 | 12.29% | 12.29% | 13.48% | 9.92% | $49.65B |
| Q2 2025 | 12.38% | 12.38% | 13.57% | 10.16% | $50.50B |
| Q3 2025 | 12.62% | 12.62% | 13.76% | 10.28% | $50.88B |
| Q4 2025 | 12.54% | 12.54% | 13.68% | 10.22% | $51.79B |
| Q1 2026 | 12.33% | 12.33% | 13.44% | 10.27% | $53.16B |
| Q2 2026 | 12.17% | 12.17% | 13.27% | 10.28% | $54.77B |
SouthState Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock SouthState Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SouthState Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33555) · FFIEC NIC profile (RSSD 1929247)