SouthState Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Cost of borrowings rose 0.30 percentage points in Q2 2026 to 3.02%, the biggest move on this page. Within Florida, SouthState Bank, N.A. is 28th of 79 on net interest margin, 3.84% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. SouthState Bank, N.A. sits 0.24 points higher, at 3.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 3.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $742.1M |
| Total interest expense | $249.8M |
| Interest expense on deposits | $244.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.85% | 1.48% | 3.51% |
| Q4 2023 | 4.96% | 1.65% | 3.47% |
| Q1 2024 | 4.98% | 1.77% | 3.38% |
| Q2 2024 | 5.08% | 1.85% | 3.41% |
| Q3 2024 | 5.17% | 1.96% | 3.41% |
| Q4 2024 | 5.11% | 1.79% | 3.51% |
| Q1 2025 | 5.56% | 1.93% | 3.84% |
| Q2 2025 | 5.78% | 1.84% | 4.08% |
| Q3 2025 | 5.95% | 1.93% | 4.19% |
| Q4 2025 | 5.65% | 1.85% | 3.96% |
| Q1 2026 | 5.42% | 1.74% | 3.81% |
| Q2 2026 | 5.47% | 1.77% | 3.84% |
SouthState Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock SouthState Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)