SouthState Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.80 percentage points higher than in Q1 2026, at 282.64%. Within Florida, SouthState Bank, N.A. is 21st of 81 on loan-to-deposit ratio, 90.91% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.25B |
| Net loans and leases | $50.67B |
| Loans held for sale | $405.4M |
| Loans to total assets | 74.50% |
| Loan-to-deposit ratio | 90.91% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.14% |
| Multifamily (5+ residential) | 5.30% |
| Commercial and industrial | 13.89% |
| Consumer | 1.82% |
| Credit cards | 0.00% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 282.64% |
| Construction concentration (Tier 1 capital + allowance) | 40.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $742.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $32.04B | $37.05B | 41.45% | 12.23% | 3.93% |
| Q4 2023 | $32.44B | $37.16B | 40.61% | 12.02% | 3.80% |
| Q1 2024 | $32.72B | $37.31B | 41.08% | 12.01% | 3.66% |
| Q2 2024 | $33.33B | $37.20B | 40.45% | 12.16% | 3.53% |
| Q3 2024 | $33.84B | $37.75B | 39.70% | 13.11% | 3.27% |
| Q4 2024 | $34.18B | $38.17B | 39.57% | 13.33% | 3.11% |
| Q1 2025 | $47.12B | $53.44B | 43.44% | 13.38% | 2.28% |
| Q2 2025 | $47.59B | $54.20B | 43.44% | 13.67% | 2.12% |
| Q3 2025 | $48.01B | $54.19B | 43.85% | 13.81% | 2.06% |
| Q4 2025 | $48.94B | $55.22B | 43.82% | 14.36% | 1.95% |
| Q1 2026 | $49.82B | $55.92B | 44.36% | 14.23% | 1.85% |
| Q2 2026 | $51.25B | $56.38B | 44.14% | 13.89% | 1.82% |
SouthState Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SouthState Bank, N.A., freeSource: Call Report Schedule RC-C, 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)