SouthState Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 28078.3% in Q2 2026, from $1.1M to $300.9M. It was the largest change from Q1 2026 among the key lines here. SouthState Bank, N.A. ranks 21st of 81 Florida banks on loan-to-deposit ratio, in the upper half at 90.91% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. SouthState Bank, N.A. sits 4.08 points higher, at 90.91% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.25B |
| Cash and noninterest-bearing balances to assets | 3.23% |
| Cash and securities | $10.80B |
| Fed funds sold and reverse repos | $25.1M |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $569.5M |
| Other borrowed money | $300.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.44% |
| Trading liabilities | $55.1M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.91% |
| Net loans and leases to deposits | 89.87% |
| Loans and leases to core deposits | 94.46% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 8.65% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.49% | 94.78% | $513.3M | $2.3M |
| Q4 2023 | 87.29% | 95.57% | $489.2M | $102.2M |
| Q1 2024 | 87.70% | 95.51% | $554.7M | $2.0M |
| Q2 2024 | 89.62% | 94.75% | $542.4M | $301.9M |
| Q3 2024 | 89.63% | 94.45% | $538.3M | $301.8M |
| Q4 2024 | 89.55% | 95.53% | $514.9M | $1.7M |
| Q1 2025 | 88.18% | 92.40% | $679.3M | $1.6M |
| Q2 2025 | 87.80% | 90.47% | $630.6M | $1.4M |
| Q3 2025 | 88.61% | 89.34% | $594.1M | $1.3M |
| Q4 2025 | 88.63% | 89.34% | $618.2M | $1.2M |
| Q1 2026 | 89.10% | 88.96% | $643.4M | $1.1M |
| Q2 2026 | 90.91% | 87.66% | $569.5M | $300.9M |
SouthState Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock SouthState Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)