SouthState Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks SouthState Bank, N.A. of Winter Haven, FL against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.39% | +0.03% | 63rd above |
| ROAE | 10.07% | 12.25% | -2.18% | 39th below |
| Net Interest Margin | 3.84% | 3.82% | +0.02% | 68th above |
| Efficiency Ratio | 48.91% | 54.28% | -5.37% | 69th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.94% | 2.04% | -0.10% | 60th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.47% | 5.71% | -0.24% | 61st above |
| Cost of Funds | 1.77% | 2.03% | -0.26% | 60th above |
| Net Interest Spread | 3.16% | 3.12% | +0.04% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.07% | 0.98% | +0.09% | 34th below |
| NPA / Total Assets | 0.82% | 0.72% | +0.10% | 33rd below |
| NCO / Avg Loans | 0.06% | 0.33% | -0.27% | 71st above |
| ACL / Total Loans | 1.14% | 1.39% | -0.25% | 48th below |
| ACL / NPLs (Coverage) | 106.89% | 236.26% | -129.37% | 35th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.25% | 8.88% | -0.63% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 107.99% | 123.41% | -15.42% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.17% | 15.68% | -3.51% | 28th below |
| Tier 1 Ratio | 12.17% | 15.80% | -3.63% | 26th below |
| Total Capital Ratio | 13.27% | 16.93% | -3.66% | 22nd bottom |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.28% | 10.50% | -0.22% | 52nd above |
| Equity / Assets | 14.10% | 11.69% | +2.41% | 84th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.58% | 9.73% | -0.15% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.91% | 84.53% | +6.38% | 30th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.66% | 86.61% | +1.05% | 35th below |
| Uninsured Deposit Ratio Behind the peer average, ahead of the median peer. | 37.77% | 36.83% | +0.94% | 56th above |
| Wholesale Funding Ratio | 1.27% | 5.87% | -4.60% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.45% | 11.99% | -7.54% | 42nd below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.70% | 11.39% | -3.69% | 61st above |
| Deposit Growth (Y/Y) | 4.02% | 11.39% | -7.37% | 46th below |
See SouthState Bank, N.A.'s peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock SouthState Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full SouthState Bank, N.A. profile, how to read a UBPR, or how this data updates.