SouthState Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 3.43 percentage points in Q2 2026, from 110.33% to 106.89%. It was the largest change from Q1 2026 among the key lines here. Within Florida, SouthState Bank, N.A. is 19th of 79 on return on assets, 1.42% as of Q2 2026, above the middle of the field. SouthState Bank, N.A. reported 1.42% on return on assets for Q2 2026, 0.13 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.17% |
| Tier 1 risk-based capital ratio | 12.17% |
| Total risk-based capital ratio | 13.27% |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 14.10% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.07% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 8.25% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 106.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 10.07% |
| Net interest margin | 3.84% |
| Efficiency ratio | 48.91% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.91% |
| Core deposits to total deposits | 87.66% |
| Brokered deposits to total deposits | 8.65% |
| Deposits to assets | 81.95% |
| Securities to assets | 12.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.25% | 12.25% | 13.44% | 9.96% | 1.14% |
| Q4 2023 | 12.52% | 12.52% | 13.75% | 10.03% | 0.98% |
| Q1 2024 | 12.67% | 12.67% | 13.93% | 10.14% | 1.06% |
| Q2 2024 | 12.89% | 12.89% | 14.15% | 10.36% | 1.22% |
| Q3 2024 | 13.15% | 13.15% | 14.41% | 10.59% | 1.30% |
| Q4 2024 | 13.38% | 13.38% | 14.64% | 10.64% | 1.29% |
| Q1 2025 | 12.29% | 12.29% | 13.48% | 9.92% | 0.67% |
| Q2 2025 | 12.38% | 12.38% | 13.57% | 10.16% | 1.42% |
| Q3 2025 | 12.62% | 12.62% | 13.76% | 10.28% | 1.61% |
| Q4 2025 | 12.54% | 12.54% | 13.68% | 10.22% | 1.56% |
| Q1 2026 | 12.33% | 12.33% | 13.44% | 10.27% | 1.42% |
| Q2 2026 | 12.17% | 12.17% | 13.27% | 10.28% | 1.42% |
SouthState Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SouthState Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)