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SouthState Bank, National Association
Winter Haven, FL·FDIC Cert #33555·Charter: OCC·Est. 19920221.0·HC: SOUTHSTATE BANK CORP
Total Assets
$67.2B
Q4 2025
Return on Assets
1.40%
+0.07%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
47.64%
Peer avg: 51.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.40%+0.07
ROE
9.84%+0.46
Efficiency
47.64%+0.35
Equity/Assets
0.00%+0.00
NPL Ratio
0.62%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.57%+0.05
Charge-offs
0.25%-0.06
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.2 | 1.2 | 0.8 | 1.1 | 1.3 | 1.4 |
| ROE | 8.4 | 9.0 | 9.3 | 9.5 | 5.6 | 8.2 | 9.4 | 9.8 |
| Efficiency | 57.8 | 56.8 | 56.4 | 56.1 | 43.8 | 46.9 | 47.3 | 47.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 |
| Charge-offs | 0.0 | 0.0 | 0.1 | 0.1 | 0.4 | 0.3 | 0.3 | 0.2 |
| Loan/Deposit | 86.4 | 88.4 | 88.4 | 88.3 | 87.0 | 86.7 | 87.5 | 87.6 |
Balance Sheet
Total Assets$67.2B
Total Deposits$55.2B
Total Loans$48.4B
Total Equity$9.7B
Profitability
ROA1.40%
ROE9.84%
Efficiency Ratio47.64%
Net Income$866.5M
Risk & Asset Quality
NPL Ratio0.62%
Charge-off Rate0.25%
Loan/Deposit87.57%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans