---
title: "SouthState Bank Corporation Reports Second Quarter 2026 Results, Declares an Increase in the Quarterly Cash Dividend | SSB Stock News"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/293663068.md"
description: "SouthState Bank Corporation reported Q2 2026 results, with diluted EPS of $2.35 (up 11% YoY) and net income of $230 million. The company announced an increase in its quarterly cash dividend from $0.60 to $0.66 per share. Key highlights include solid loan growth, a stable net interest margin of 3.78%, improved efficiency ratio to 50%, and strong capital positions. CEO John C. Corbett cited progress in balance sheet growth, AI capabilities, and shareholder returns through share repurchases."
datetime: "2026-07-23T12:18:00.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/293663068.md)
  - [en](https://longbridge.com/en/news/293663068.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/293663068.md)
generator: "portal-rs"
---

# SouthState Bank Corporation Reports Second Quarter 2026 Results, Declares an Increase in the Quarterly Cash Dividend | SSB Stock News

, /PRNewswire/ -- SouthState Bank Corporation ("SouthState" or the "Company") (NYSE: SSB) today released its unaudited results of operations and other financial information for the three-month and six-month periods ended June 30, 2026.

"We continue to make progress on our priorities of balance sheet growth, opportunistic hiring, active share repurchases and building our artificial intelligence capabilities," said John C. Corbett, SouthState's Chief Executive Officer. "The second quarter featured solid loan growth, a stable net interest margin, unchanged deposit costs, and improved efficiency. Asset quality trends also improved, with a decline in non-accruals and charge-offs of just 6 basis points. Over the past year, we've retired nearly 5% of our share count, raised our dividend by 11% and grown tangible book value by 13%. We remain focused on delivering for our shareholders."

Highlights of the second quarter of 2026 include:

**Returns**

-   Reported diluted Earnings per Share ("EPS") and Adjusted Diluted EPS (Non-GAAP) of $2.35, up 11% year over year on a reported basis and 2% year over year on an adjusted basis
-   Net Income of $230 million
-   Return on Average Common Equity of 10.2%; Return on Average Tangible Common Equity (Non-GAAP) of 17.6%\*
-   Return on Average Assets ("ROAA") of 1.36%\*
-   Book Value per Share of $94.17
-   Tangible Book Value ("TBV") per Share (Non-GAAP) of $58.72, an increase of 13% year over year, after raising the dividend by 11%, and repurchasing nearly 5% of the Company's shares over the past year

**Performance**

-   Net Interest Income of $576 million, an increase of $14 million, or 3%, compared to the prior quarter
-   Noninterest Income of $97 million, a decrease of $3 million compared to the prior quarter primarily due to mortgage banking income; Noninterest Income represented 0.57% of average assets for the second quarter of 2026\*
-   Noninterest Expense of $358 million, a decrease of $2 million compared to the prior quarter primarily due to OREO and loan related expense
-   Net Interest Margin ("NIM"), non-tax equivalent and tax equivalent (Non-GAAP), of 3.78%
-   Net charge-offs totaled $8 million, or 0.06%\* of average loans
-   $16 million of Provision for Credit Losses ("PCL"); total Allowance for Credit Losses ("ACL") plus reserve for unfunded commitments of 1.30% of loans
-   Efficiency Ratio improved to 50% from the prior quarter

**Balance Sheet**

-   Loans increased by $1.4 billion, or 11%\*, compared to the prior quarter and increased by $3.6 billion, or 8%, year over year; deposits increased by $474 million, or 3%\*, and increased by $2.7 billion, or 5%, year over year; ending loan to deposit ratio of 90%
-   Total deposit cost of 1.76%, unchanged from the prior quarter
-   Strong capital position with Tangible Common Equity, Total Risk-Based Capital, Tier 1 Leverage, and Tier 1 Common Equity ratios of 8.7%, 13.5%, 9.4%, and 11.1%, respectively†

**Subsequent Events**

-   The Board of Directors of the Company increased its quarterly cash dividend on its common stock from $0.60 per share to $0.66 per share; the dividend is payable on August 14, 2026 to shareholders of record as of August 7, 2026

∗ Annualized percentages  
† Preliminary 

**Financial Performance**  

**Three Months Ended**

**Six Months Ended**

*(Dollars in thousands, except per share data)*

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**Jun. 30,**

**Jun. 30,**

**INCOME STATEMENT**

**2026**

**2026**

**2025**

**2025**

**2025**

**2026**

**2025**

**Interest Income**

 Loans, including fees (1)

**$**

**744,652**

$

721,571

$

748,106

$

782,382

$

746,448

**$**

**1,466,222**

$

1,471,088

 Investment securities, trading securities, federal funds sold and securities

 purchased under agreements to resell 

**93,607**

95,258

100,640

99,300

94,056

**188,866**

177,982

Total interest income

**838,259**

816,829

848,746

881,682

840,504

**1,655,088**

1,649,070

**Interest Expense**

 Deposits 

**244,216**

238,522

250,189

257,271

241,593

**482,738**

487,550

 Federal funds purchased, securities sold under agreements

 to repurchase, and other borrowings

**18,094**

16,702

17,442

24,714

20,963

**34,796**

39,025

Total interest expense

**262,310**

255,224

267,631

281,985

262,556

**517,534**

526,575

**Net Interest Income**

**575,949**

561,605

581,115

599,697

577,948

**1,137,554**

1,122,495

 Provision for credit losses

**15,919**

10,808

6,605

5,085

7,505

**26,727**

108,067

**Net Interest Income after Provision for Credit Losses**

**560,030**

550,797

574,510

594,612

570,443

**1,110,827**

1,014,428

**Noninterest Income** 

Operating income

**96,726**

100,098

105,753

99,086

86,817

**196,824**

172,437

Securities losses, net

**—**

—

—

—

—

**—**

(228,811)

Gain on sale leaseback, net of transaction costs

**—**

—

—

—

—

**—**

229,279

Total noninterest income

**96,726**

100,098

105,753

99,086

86,817

**196,824**

172,905

**Noninterest Expense**

Operating expense

**357,749**

359,524

364,196

351,453

350,682

**717,273**

691,502

Merger, branch consolidation, severance related, and other expense (8)

**—**

—

4,494

20,889

24,379

**—**

92,385

FDIC special assessment

**—**

—

(3,835)

—

—

**—**

—

Total noninterest expense

**357,749**

359,524

364,855

372,342

375,061

**717,273**

783,887

**Income before Income Tax Provision**

**299,007**

291,371

315,408

321,356

282,199

**590,378**

403,446

Income tax provision

**68,985**

65,551

67,686

74,715

66,975

**134,536**

99,142

**Net Income**

**$**

**230,022**

$

225,820

$

247,722

$

246,641

$

215,224

**$**

**455,842**

$

304,304

**Adjusted Net Income (non-GAAP) (2)**

**Net Income (GAAP)**

**$**

**230,022**

$

225,820

$

247,722

$

246,641

$

215,224

**$**

**455,842**

$

304,304

Securities losses, net of tax

**—**

—

—

—

—

**—**

178,639

Gain on sale leaseback, net of transaction costs and tax

**—**

—

—

—

—

**—**

(179,004)

Initial provision for credit losses - Non-PCD loans and UFC from 

Independent, net of tax

**—**

—

—

—

—

**—**

71,892

Merger, branch consolidation, severance related, and other expense, 

net of tax (8)

**—**

—

3,529

16,032

18,593

**—**

71,687

Deferred tax asset remeasurement

**—**

—

—

—

—

**—**

5,581

FDIC special assessment, net of tax

**—**

—

(3,012)

—

—

**—**

—

**Adjusted Net Income (non-GAAP)**

**$**

**230,022**

$

225,820

$

248,239

$

262,673

$

233,817

**$**

**455,842**

$

453,099

 Basic earnings per common share

**$**

**2.36**

$

2.29

$

2.48

$

2.44

$

2.12

**$**

**4.66**

$

3.00

 Diluted earnings per common share

**$**

**2.35**

$

2.28

$

2.46

$

2.42

$

2.11

**$**

**4.64**

$

2.99

 Adjusted net income per common share - Basic (non-GAAP) (2)

**$**

**2.36**

$

2.29

$

2.48

$

2.60

$

2.30

**$**

**4.66**

$

4.47

 Adjusted net income per common share - Diluted (non-GAAP) (2)

**$**

**2.35**

$

2.28

$

2.47

$

2.58

$

2.30

**$**

**4.64**

$

4.45

 Dividends per common share

**$**

**0.60**

$

0.60

$

0.60

$

0.60

$

0.54

**$**

**1.20**

$

1.08

 Basic weighted-average common shares outstanding

**97,300,899**

98,544,242

100,063,315

101,218,431

101,495,456

**97,919,136**

101,452,777

 Diluted weighted-average common shares outstanding

**97,676,767**

98,922,258

100,618,796

101,735,095

101,845,360

**98,292,252**

101,835,756

 Effective tax rate

**23.07 %**

22.50 %

21.46 %

23.25 %

23.73 %

**22.79 %**

24.57 %

 Adjusted effective tax rate

**23.07 %**

22.50 %

21.46 %

23.25 %

23.73 %

**22.79 %**

23.19 %

**Performance and Capital Ratios**

**Three Months Ended**

**Six Months Ended**

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**Jun. 30,**

**Jun. 30,**

**2026**

**2026**

**2025**

**2025**

**2025**

**2026**

**2025**

**PERFORMANCE RATIOS**

Return on average assets (annualized) 

**1.36**

**%**

1.37

%

1.47

%

1.49

%

1.34

%

**1.36**

**%**

0.95

%

Adjusted return on average assets (annualized) (non-GAAP) (2) 

**1.36**

**%**

1.37

%

1.48

%

1.59

%

1.45

%

**1.36**

**%**

1.42

%

Return on average common equity (annualized)

**10.19**

**%**

10.11

%

10.90

%

11.04

%

9.93

%

**10.15**

**%**

7.17

%

Adjusted return on average common equity (annualized) (non-GAAP) (2)

**10.19**

**%**

10.11

%

10.92

%

11.75

%

10.79

%

**10.15**

**%**

10.68

%

Return on average tangible common equity (annualized) (non-GAAP) (3)

**17.62**

**%**

17.59

%

19.10

%

19.62

%

18.17

%

**17.60**

**%**

13.73

%

Adjusted return on average tangible common equity (annualized) (non-GAAP) (2) (3)

**17.62**

**%**

17.59

%

19.14

%

20.81

%

19.61

%

**17.60**

**%**

19.72

%

Efficiency ratio (tax equivalent) 

**50.00**

**%**

51.05

%

49.65

%

49.88

%

52.75

%

**50.52**

**%**

56.75

%

Adjusted efficiency ratio (non-GAAP) (4)

**50.00**

**%**

51.05

%

49.56

%

46.89

%

49.09

%

**50.52**

**%**

49.65

%

Dividend payout ratio (5)

**25.31**

**%**

26.12

%

24.23

%

24.59

%

25.47

%

**25.71**

**%**

36.00

%

Book value per common share

**$**

**94.17**

$

92.21

$

91.38

$

89.14

$

86.71

Tangible book value per common share (non-GAAP) (3)

**$**

**58.72**

$

56.90

$

56.27

$

54.48

$

51.96

**CAPITAL RATIOS**

Equity-to-assets 

**13.3**

**%**

13.3

%

13.5

%

13.6

%

13.4

%

Tangible equity-to-tangible assets (non-GAAP) (3)

**8.7**

**%**

8.6

%

8.8

%

8.8

%

8.5

%

Tier 1 leverage (6)

**9.4**

**%**

9.4

%

9.3

%

9.4

%

9.2

%

Tier 1 common equity (6) 

**11.1**

**%**

11.3

%

11.4

%

11.5

%

11.2

%

Tier 1 risk-based capital (6)

**11.1**

**%**

11.3

%

11.4

%

11.5

%

11.2

%

Total risk-based capital (6) 

**13.5**

**%**

13.7

%

13.8

%

14.0

%

14.5

%

**Balance Sheet**

**Ending Balance**

*(Dollars in thousands, except per share and share data)*

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**BALANCE SHEET**

**2026**

**2026**

**2025**

**2025**

**2025**

**Assets**

Cash and due from banks

**$**

**649,079**

$

598,218

$

583,375

$

582,792

$

755,798

Federal funds sold and interest-earning deposits with banks

**1,701,233**

2,268,864

2,589,108

2,561,663

2,708,308

 Cash and cash equivalents

**2,350,312**

2,867,082

3,172,483

3,144,455

3,464,106

Trading securities, at fair value

**191,094**

117,590

110,183

107,519

95,306

Investment securities:

 Securities held to maturity

**1,955,754**

2,007,249

2,048,030

2,096,727

2,145,991

 Securities available for sale, at fair value

**6,598,177**

6,530,348

6,313,756

6,042,800

5,927,867

 Other investments

**366,986**

370,924

353,428

366,218

357,487

 Total investment securities

**8,920,917**

8,908,521

8,715,214

8,505,745

8,431,345

Loans held for sale

**405,441**

327,935

345,343

346,673

318,985

Loans:

Purchased credit deteriorated 

**2,658,792**

2,818,360

2,977,499

3,160,359

3,409,186

Purchased non-credit deteriorated 

**9,921,791**

10,714,489

11,232,414

11,877,828

12,492,553

Non-acquired

**38,266,289**

35,963,934

34,388,614

32,629,724

31,365,508

 Less allowance for credit losses

**(586,664)**

(585,882)

(585,197)

(590,133)

(621,046)

 Loans, net

**50,260,208**

48,910,901

48,013,330

47,077,778

46,646,201

Premises and equipment, net

**992,594**

993,584

994,176

961,510

964,878

Bank owned life insurance

**1,311,197**

1,302,382

1,293,574

1,285,532

1,280,632

Mortgage servicing rights

**91,442**

90,018

84,032

84,491

85,836

Core deposit and other intangibles

**343,424**

364,686

386,326

409,890

433,458

Goodwill

**3,094,059**

3,094,059

3,094,059

3,094,059

3,094,059

Other assets 

**949,340**

1,002,465

988,692

1,030,558

1,078,516

 **Total assets**

**$**

**68,910,028**

$

67,979,223

$

67,197,412

$

66,048,210

$

65,893,322

**Liabilities and Shareholders' Equity**

Deposits:

 Noninterest-bearing

**$**

**13,451,094**

$

13,650,799

$

13,375,697

$

13,430,459

$

13,719,030

 Interest-bearing 

**42,898,716**

42,224,864

41,770,100

40,642,810

39,977,931

 Total deposits

**56,349,810**

55,875,663

55,145,797

54,073,269

53,696,961

Federal funds purchased and securities

 sold under agreements to repurchase

**569,486**

643,386

618,215

594,092

630,558

Other borrowings

**996,749**

696,642

696,536

696,429

1,099,705

Reserve for unfunded commitments

**76,525**

69,229

69,619

68,538

64,693

Other liabilities 

**1,785,990**

1,663,387

1,608,137

1,604,756

1,600,271

 Total liabilities

**59,778,560**

58,948,307

58,138,304

57,037,084

57,092,188

Shareholders' equity:

 Common stock - $2.50 par value; authorized 160,000,000 shares

**242,428**

244,844

247,845

252,723

253,745

 Surplus

**6,247,484**

6,332,285

6,480,471

6,647,952

6,679,028

 Retained earnings

**2,951,691**

2,779,896

2,614,173

2,426,463

2,240,470

 Accumulated other comprehensive loss

**(310,135)**

(326,109)

(283,381)

(316,012)

(372,109)

 Total shareholders' equity

**9,131,468**

9,030,916

9,059,108

9,011,126

8,801,134

 **Total liabilities and shareholders' equity**

**$**

**68,910,028**

$

67,979,223

$

67,197,412

$

66,048,210

$

65,893,322

Common shares issued and outstanding

**96,971,142**

97,937,653

99,138,204

101,089,231

101,498,000

**Net Interest Income and Margin**

**Three Months Ended**

**Jun. 30, 2026**

**Mar. 31, 2026**

**Jun. 30, 2025**

*(Dollars in thousands)*

**Average**

**Income/**

**Yield/**

**Average**

**Income/**

**Yield/**

**Average**

**Income/**

**Yield/**

**YIELD ANALYSIS**

**Balance**

**Expense**

**Rate**

**Balance**

**Expense**

**Rate**

**Balance**

**Expense**

**Rate**

**Interest-Earning Assets:**

Federal funds sold and interest-earning deposits with banks 

**$**

**1,386,864**

**$**

**12,236**

**3.54 %**

$

1,881,020

$

15,792

3.40 %

$

1,884,133

$

19,839

4.22 %

Investment securities

**9,213,359**

**81,371**

**3.54 %**

9,221,416

79,466

3.49 %

8,513,439

74,217

3.50 %

Loans held for sale

**286,422**

**4,602**

**6.44 %**

223,084

3,732

6.78 %

283,017

4,829

6.84 %

Total loans held for investment

**50,247,114**

**740,050**

**5.91 %**

48,875,656

717,839

5.96 %

47,029,412

741,619

6.33 %

 Total interest-earning assets

**61,133,759**

**838,259**

**5.50 %**

60,201,176

816,829

5.50 %

57,710,001

840,504

5.84 %

Noninterest-earning assets 

**6,694,407**

6,726,355

6,840,880

 **Total Assets**

**$**

**67,828,166**

$

66,927,531

$

64,550,881

**Interest-Bearing Liabilities ("IBL"):**

Transaction and money market accounts

**$**

**32,098,340**

**$**

**180,220**

**2.25 %**

$

31,499,841

$

172,453

2.22 %

$

28,986,998

$

173,481

2.40 %

Savings deposits

**2,817,269**

**1,638**

**0.23 %**

2,822,510

1,642

0.24 %

2,921,780

2,012

0.28 %

Certificates and other time deposits

**7,184,745**

**62,358**

**3.48 %**

7,215,388

64,427

3.62 %

7,177,451

66,100

3.69 %

Federal funds purchased

**289,337**

**2,616**

**3.63 %**

295,207

2,635

3.62 %

360,588

3,943

4.39 %

Repurchase agreements

**293,341**

**1,477**

**2.02 %**

319,873

1,561

1.98 %

287,341

1,462

2.04 %

Other borrowings

**851,660**

**14,001**

**6.59 %**

696,597

12,506

7.28 %

821,545

15,558

7.60 %

 Total interest-bearing liabilities 

**43,534,692**

**262,310**

**2.42 %**

42,849,416

255,224

2.42 %

40,555,703

262,556

2.60 %

Noninterest-bearing deposits

**13,521,146**

13,359,214

13,643,265

Other noninterest-bearing liabilities

**1,719,228**

1,661,672

1,659,331

Shareholders' equity

**9,053,100**

9,057,229

8,692,582

 Total Non-IBL and shareholders' equity

**24,293,474**

24,078,115

23,995,178

 **Total Liabilities and Shareholders' Equity**

**$**

**67,828,166**

$

66,927,531

$

64,550,881

**Net Interest Income and Margin (Non-Tax Equivalent)**

**$**

**575,949**

**3.78 %**

$

561,605

3.78 %

$

577,948

4.02 %

**Net Interest Margin (Tax Equivalent) (non-GAAP)** 

**3.78 %**

3.79 %

4.02 %

**Total Deposit Cost (without Debt and Other Borrowings)**

**1.76 %**

1.76 %

1.84 %

**Overall Cost of Funds (including Demand Deposits)**

**1.84 %**

1.84 %

1.94 %

**Total Accretion on Acquired Loans (1)**

**$**

**33,054**

$

38,786

$

63,507

**Tax Equivalent ("TE") Adjustment**

**$**

**751**

$

760

$

672

• The remaining loan discount on acquired loans to be accreted into loan interest income totals $185.9 million as of June 30, 2026.

**Noninterest Income and Expense**

**Three Months Ended**

**Six Months Ended**

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**Jun. 30,**

**Jun. 30,**

*(Dollars in thousands)*

**2026**

**2026**

**2025**

**2025**

**2025**

**2026**

**2025**

**Noninterest Income:**

 Fees on deposit accounts

**$**

**41,568**

$

38,699

$

41,950

$

42,572

$

37,869

**$**

**80,267**

$

73,802

 Mortgage banking income

**4,890**

11,016

5,158

5,462

5,936

**15,906**

13,673

 Trust and investment services income

**15,164**

14,471

14,684

14,157

14,419

**29,635**

29,351

 Correspondent banking and capital markets income

**24,839**

24,427

30,638

25,522

19,161

**49,266**

35,876

 Expense on centrally-cleared variation margin

**(4,028)**

(3,000)

(3,167)

(4,318)

(5,394)

**(7,028)**

(12,564)

 Total correspondent banking and capital markets income 

**20,811**

21,427

27,471

21,204

13,767

**42,238**

23,312

 Bank owned life insurance income

**9,624**

9,494

9,633

10,597

9,153

**19,118**

19,352

 Other

**4,669**

4,991

6,857

5,094

5,673

**9,660**

12,947

 Securities losses, net

**—**

—

—

—

—

**—**

(228,811)

 Gain on sale leaseback, net of transaction costs

**—**

—

—

—

—

**—**

229,279

 **Total Noninterest Income**

**$**

**96,726**

$

100,098

$

105,753

$

99,086

$

86,817

**$**

**196,824**

$

172,905

**Noninterest Expense:**

 Salaries and employee benefits

**$**

**205,377**

$

205,653

$

202,714

$

199,148

$

200,162

**$**

**411,030**

$

395,973

 Occupancy expense

**43,878**

42,302

42,567

40,874

41,507

**86,180**

77,000

 Information services expense

**29,136**

29,704

30,443

28,988

30,155

**58,840**

61,517

 OREO and loan related expense

**952**

4,378

867

5,427

2,295

**5,330**

4,079

 Business development and staff related

**10,639**

11,362

13,485

8,907

7,182

**22,001**

13,692

 Amortization of intangibles

**21,041**

21,304

23,417

23,426

24,048

**42,345**

47,879

 Professional fees

**5,090**

5,239

7,410

4,994

4,658

**10,329**

9,367

 Supplies and printing expense

**3,885**

3,254

3,594

3,278

3,970

**7,139**

7,098

 FDIC assessment and other regulatory charges

**10,753**

10,257

9,884

8,374

11,469

**21,010**

22,727

 Advertising and marketing

**3,836**

3,325

4,710

2,980

3,010

**7,161**

5,300

 Other operating expenses

**23,162**

22,746

25,105

25,057

22,226

**45,908**

46,870

 Merger, branch consolidation, severance related and other expense (8)

**—**

—

4,494

20,889

24,379

**—**

92,385

 FDIC special assessment

**—**

—

(3,835)

—

—

**—**

—

 **Total Noninterest Expense**

**$**

**357,749**

$

359,524

$

364,855

$

372,342

$

375,061

**$**

**717,273**

$

783,887

**Loans and Deposits**

The following table presents a summary of the loan portfolio by type:

**Ending Balance**

*(Dollars in thousands)*

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**LOAN PORTFOLIO (7)**

**2026**

**2026**

**2025**

**2025**

**2025**

Construction and land development \* †

**$**

**2,982,968**

$

2,592,908

$

2,548,360

$

2,678,971

$

3,323,923

Investor commercial real estate\*

**18,656,455**

18,298,938

17,883,913

17,603,205

16,953,410

Commercial owner occupied real estate

**7,852,391**

7,671,535

7,576,991

7,529,075

7,497,906

Commercial and industrial

**9,378,444**

9,385,926

9,181,408

8,644,636

8,445,878

Consumer real estate \*

**11,034,102**

10,573,897

10,450,223

10,202,026

10,038,369

Consumer/other

**942,512**

973,579

957,632

1,009,998

1,007,761

**Total Loans**

**$**

**50,846,872**

$

49,496,783

$

48,598,527

$

47,667,911

$

47,267,247

\* 

Single family home construction-to-permanent loans originated by the Company's mortgage banking division are included in construction and land development category until completion. Investor commercial real estate loans include commercial non-owner occupied real estate and other income producing property. Consumer real estate includes consumer owner occupied real estate and home equity loans.

† 

Includes single family home construction-to-permanent loans of $358.4 million, $360.4 million, $342.8 million, $350.2 million, and $371.1 million for the quarters ended June 30, 2026, March 31, 2036, December 31, 2025, September 30, 2025, and June 30, 2025, respectively.

**Ending Balance**

*(Dollars in thousands)*

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**DEPOSITS**

**2026**

**2026**

**2025**

**2025**

**2025**

Noninterest-bearing checking

**$**

**13,451,094**

$

13,650,799

$

13,375,697

$

13,430,459

$

13,719,030

Interest-bearing checking

**14,710,312**

14,119,614

13,838,558

12,906,408

12,607,205

Savings

**2,796,845**

2,841,408

2,820,621

2,853,410

2,889,670

Money market

**17,531,137**

18,014,140

17,751,688

17,251,469

16,772,597

Time deposits

**7,860,422**

7,249,702

7,359,233

7,631,523

7,708,459

**Total Deposits**

**$**

**56,349,810**

$

55,875,663

$

55,145,797

$

54,073,269

$

53,696,961

**Asset Quality**

**Ending Balance**

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

*(Dollars in thousands)*

**2026**

**2026**

**2025**

**2025**

**2025**

**NONPERFORMING ASSETS:**

**Non-acquired**

Non-acquired nonaccrual loans and restructured loans on nonaccrual

**$**

**171,264**

$

177,158

$

161,975

$

146,751

$

141,910

Accruing loans past due 90 days or more

**2,961**

6,915

2,997

4,352

3,687

Non-acquired OREO and other nonperforming assets

**11,722**

8,339

5,273

11,969

17,288

Total non-acquired nonperforming assets 

**185,947**

192,412

170,245

163,072

162,885

**Acquired** 

Acquired nonaccrual loans and restructured loans on nonaccrual

**99,352**

116,002

135,179

149,695

151,466

Accruing loans past due 90 days or more

**835**

1,986

1,944

891

707

Acquired OREO and other nonperforming assets

**1,254**

18,155

3,901

7,147

8,783

Total acquired nonperforming assets

**101,441**

136,143

141,024

157,733

160,956

**Total nonperforming assets**

**$**

**287,388**

$

328,555

$

311,269

$

320,805

$

323,841

**Three Months Ended**

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**2026**

**2026**

**2025**

**2025**

**2025**

**ASSET QUALITY RATIOS (7):**

Allowance for credit losses as a percentage of loans

**1.15 %**

1.18 %

1.20 %

1.24 %

1.31 %

Allowance for credit losses, including reserve for unfunded commitments,

as a percentage of loans

**1.30 %**

1.32 %

1.35 %

1.38 %

1.45 %

Allowance for credit losses as a percentage of nonperforming loans

**213.79 %**

193.96 %

193.71 %

195.61 %

208.57 %

Net charge-offs as a percentage of average loans (annualized)

**0.06 %**

0.09 %

0.09 %

0.27 %

0.21 %

Net charge-offs, excluding acquisition date charge-offs, as a percentage 

 of average loans (annualized) \*

**0.06 %**

0.09 %

0.09 %

0.27 %

0.06 %

Total nonperforming assets as a percentage of total assets 

**0.42 %**

0.48 %

0.46 %

0.49 %

0.49 %

Nonperforming loans as a percentage of period end loans 

**0.54 %**

0.61 %

0.62 %

0.63 %

0.63 %

\* Excluding acquisition date charge-offs recorded in connection with the Independent merger.

**Current Expected Credit Losses ("CECL")**

Below is a table showing the roll forward of the ACL and UFC for the second quarter of 2026:

**Allowance for Credit Losses ("ACL") and Unfunded Commitments ("UFC")**

*(Dollars in thousands)*

**Non-PCD ACL**

**PCD ACL**

**Total ACL**

**UFC**

**Ending balance 3/31/2026**

**$**

**520,619**

**$**

**65,263**

**$**

**585,882**

**$**

**69,229**

Charge offs

**(10,335)**

**—**

**(10,335)**

**—**

Acquired charge offs

**(246)**

**(1,161)**

**(1,407)**

**—**

Recoveries

**2,150**

**—**

**2,150**

**—**

Acquired recoveries

**320**

**1,431**

**1,751**

**—**

Provision for credit losses

**13,984**

**(5,361)**

**8,623**

**7,296**

**Ending balance 6/30/2026**

**$**

**526,492**

**$**

**60,172**

**$**

**586,664**

**$**

**76,525**

Period end loans

**$**

**48,188,080**

**$**

**2,658,792**

**$**

**50,846,872**

**N/A**

Allowance for Credit Losses to Loans 

**1.09 %**

**2.26 %**

**1.15 %**

**N/A**

Unfunded commitments (off balance sheet) † 

**$**

**12,824,707**

Reserve to unfunded commitments (off balance sheet)

**0.60 %**

† Unfunded commitments exclude unconditionally cancelable commitments and letters of credit.

**Conference Call**

The Company will host a conference call to discuss its second quarter results at 9:00 a.m. Eastern Time on July 24, 2026. Callers wishing to participate may call toll-free by dialing (833) 461-5787 within the US. The numbers for international participants are listed at https://help.events.q4inc.com/eahc/international-dial-in-numbers. The conference ID number is 404525610. Alternatively, individuals may listen to the live webcast of the presentation by visiting SouthStateBank.com. A replay of the live webcast is expected to be available by the evening of July 24, 2026 on the Investor Relations section of SouthStateBank.com.

SouthState is a financial services company headquartered in Winter Haven, Florida. SouthState Bank, N.A., the company's nationally chartered bank subsidiary, provides consumer, commercial, mortgage and wealth management solutions to more than 1.8 million customers throughout Florida, Texas, the Carolinas, Georgia, Colorado, Alabama, Virginia and Tennessee. The bank also serves clients nationwide through its correspondent banking division. Additional information is available at SouthStateBank.com.

*Non-GAAP Measures*

Statements included in this press release include non-GAAP measures and should be read along with the accompanying tables that provide a reconciliation of non-GAAP measures to GAAP measures. Although other companies may use calculation methods that differ from those used by SouthState for non-GAAP measures, management believes that these non-GAAP measures provide additional useful information, which allows readers to evaluate the ongoing performance of the Company. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP.

*(Dollars in thousands)*

**Three Months Ended**

**PRE-PROVISION NET REVENUE ("PPNR") (NON-GAAP)**

**Jun. 30, 2026**

**Mar. 31, 2026**

**Dec. 31, 2025**

**Sep. 30, 2025**

**Jun. 30, 2025**

**Net income (GAAP)**

**$**

**230,022**

$

225,820

$

247,722

$

246,641

$

215,224

Provision for credit losses

**15,919**

10,808

6,605

5,085

7,505

Income tax provision

**68,985**

65,551

67,686

74,715

66,975

Merger, branch consolidation, severance related and other expense (8)

**—**

—

4,494

20,889

24,379

FDIC special assessment

**—**

—

(3,835)

—

—

**Pre-provision net revenue (PPNR) (Non-GAAP)**

**$**

**314,926**

$

302,179

$

322,672

$

347,330

$

314,083

*(Dollars in thousands)*

**Three Months Ended**

**NET INTEREST MARGIN ("NIM"), TE (NON-GAAP)**

**Jun. 30, 2026**

**Mar. 31, 2026**

**Dec. 31, 2025**

**Sep. 30, 2025**

**Jun. 30, 2025**

**Net interest income (GAAP)**

**$**

**575,949**

$

561,605

$

581,115

$

599,697

$

577,948

Total average interest-earning assets

**61,133,759**

60,201,176

59,872,113

58,727,110

57,710,001

NIM, non-tax equivalent

**3.78**

**%**

3.78

%

3.85

%

4.05

%

4.02

%

Tax equivalent adjustment (included in NIM, TE)

**751**

760

800

718

672

Net interest income, tax equivalent (Non-GAAP) 

**$**

**576,700**

$

562,365

$

581,915

$

600,415

$

578,620

**NIM, TE (Non-GAAP)** 

**3.78**

**%**

3.79

%

3.86

%

4.06

%

4.02

%

**Three Months Ended**

**Six Months Ended**

*(Dollars in thousands, except per share data)*

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**Jun. 30,**

**Jun. 30,**

**RECONCILIATION OF GAAP TO NON-GAAP** 

**2026**

**2026**

**2025**

**2025**

**2025**

**2026**

**2025**

**Adjusted Net Income (non-GAAP) (2)**

**Net income (GAAP)**

**$**

**230,022**

$

225,820

$

247,722

$

246,641

$

215,224

**$**

**455,842**

$

304,304

Securities losses, net of tax

**—**

—

—

—

—

**—**

178,639

Gain on sale leaseback, net of transaction costs and tax

**—**

—

—

—

—

**—**

(179,004)

PCL - Non-PCD loans and UFC, net of tax

**—**

—

—

—

—

**—**

71,892

Merger, branch consolidation, severance related and other expense, 

net of tax (8)

**—**

—

3,529

16,032

18,593

**—**

71,687

Deferred tax asset remeasurement

**—**

—

—

—

—

**—**

5,581

FDIC special assessment, net of tax

**—**

—

(3,012)

—

—

**—**

—

**Adjusted net income (non-GAAP)**

**$**

**230,022**

$

225,820

$

248,239

$

262,673

$

233,817

**$**

**455,842**

$

453,099

**Adjusted Net Income per Common Share - Basic (non-GAAP) (2)**

**Earnings per common share - Basic (GAAP)**

**$**

**2.36**

$

2.29

$

2.48

$

2.44

$

2.12

**$**

**4.66**

$

3.00

Effect to adjust for securities losses, net of tax

**—**

—

—

—

—

**—**

1.76

Effect to adjust for gain on sale leaseback, net of transaction costs and tax

**—**

—

—

—

—

**—**

(1.76)

Effect to adjust for PCL - Non-PCD loans and UFC, net of tax

**—**

—

—

—

—

**—**

0.71

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

—

0.03

0.16

0.18

**—**

0.70

Effect to adjust for deferred tax asset remeasurement

**—**

—

—

—

—

**—**

0.06

Effect to adjust for FDIC special assessment, net of tax

**—**

—

(0.03)

—

—

**—**

—

**Adjusted net income per common share - Basic (non-GAAP)**

**$**

**2.36**

$

2.29

$

2.48

$

2.60

$

2.30

**$**

**4.66**

$

4.47

**Adjusted Net Income per Common Share - Diluted (non-GAAP) (2)**

**Earnings per common share - Diluted (GAAP)**

**$**

**2.35**

$

2.28

$

2.46

$

2.42

$

2.11

**$**

**4.64**

$

2.99

Effect to adjust for securities losses, net of tax

**—**

—

—

—

—

**—**

1.76

Effect to adjust for gain on sale leaseback, net of transaction costs and tax

**—**

—

—

—

—

**—**

(1.76)

Effect to adjust for PCL - Non-PCD loans and UFC, net of tax

**—**

—

—

—

—

**—**

0.71

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

—

0.04

0.16

0.19

**—**

0.70

Effect to adjust for deferred tax remeasurement

**—**

—

—

—

—

**—**

0.05

Effect to adjust for FDIC special assessment, net of tax

**—**

—

(0.03)

—

—

**—**

—

**Adjusted net income per common share - Diluted (non-GAAP)**

**$**

**2.35**

$

2.28

$

2.47

$

2.58

$

2.30

**$**

**4.64**

$

4.45

**Adjusted Return on Average Assets (non-GAAP) (2)**

**Return on average assets (GAAP)**

**1.36**

**%**

1.37

%

1.47

%

1.49

%

1.34

%

**1.36**

**%**

0.95

%

Effect to adjust for securities losses, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

0.56

%

Effect to adjust for gain on sale leaseback, net of transaction costs and tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

(0.56)

%

Effect to adjust for PCL - Non-PCD loans and UFC, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

0.23

%

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

**%**

—

%

0.03

%

0.10

%

0.11

%

**—**

**%**

0.22

%

Effect to adjust for deferred tax remeasurement

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

0.02

%

Effect to adjust for FDIC special assessment, net of tax

**—**

**%**

—

%

(0.02)

%

—

%

—

%

**—**

**%**

—

%

**Adjusted return on average assets (non-GAAP)** 

**1.36**

**%**

1.37

%

1.48

%

1.59

%

1.45

%

**1.36**

**%**

1.42

%

**Adjusted Return on Average Common Equity (non-GAAP) (2)**

**Return on average common equity (GAAP)**

**10.19**

**%**

10.11

%

10.90

%

11.04

%

9.93

%

**10.15**

**%**

7.17

%

Effect to adjust for securities losses, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

4.21

%

Effect to adjust for gain on sale leaseback, net of transaction costs and tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

(4.22)

%

Effect to adjust for PCL - Non-PCD loans and UFC, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

1.69

%

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

**%**

—

%

0.15

%

0.71

%

0.86

%

**—**

**%**

1.70

%

Effect to adjust for deferred tax remeasurement

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

0.13

%

Effect to adjust for FDIC special assessment, net of tax

**—**

**%**

—

%

(0.13)

%

—

%

—

%

**—**

**%**

—

%

**Adjusted return on average common equity (non-GAAP)**

**10.19**

**%**

10.11

%

10.92

%

11.75

%

10.79

%

**10.15**

**%**

10.68

%

**Return on Average Common Tangible Equity (non-GAAP) (3)**

**Return on average common equity (GAAP)**

**10.19**

**%**

10.11

%

10.90

%

11.04

%

9.93

%

**10.15**

**%**

7.17

%

Effect to adjust for intangible assets

**7.43**

**%**

7.48

%

8.20

%

8.58

%

8.24

%

**7.45**

**%**

6.56

%

**Return on average tangible equity (non-GAAP)**

**17.62**

**%**

17.59

%

19.10

%

19.62

%

18.17

%

**17.60**

**%**

13.73

%

**Adjusted Return on Average Common Tangible Equity (non-GAAP) (2) (3)**

**Return on average common equity (GAAP)**

**10.19**

**%**

10.11

%

10.90

%

11.04

%

9.93

%

**10.15**

**%**

7.17

%

Effect to adjust for securities losses, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

4.21

%

Effect to adjust for gain on sale leaseback, net of transaction costs and tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

(4.22)

%

Effect to adjust for PCL - Non-PCD loans and UFC, net of tax

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

1.69

%

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

**%**

—

%

0.15

%

0.71

%

0.86

%

**—**

**%**

1.70

%

Effect to adjust for deferred tax remeasurement

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

0.13

%

Effect to adjust for FDIC special assessment, net of tax

**—**

**%**

—

%

(0.13)

%

—

%

—

%

**—**

**%**

—

%

Effect to adjust for intangible assets, net of tax

**7.43**

**%**

7.48

%

8.22

%

9.06

%

8.82

%

**7.45**

**%**

9.04

%

**Adjusted return on average common tangible equity (non-GAAP)**

**17.62**

**%**

17.59

%

19.14

%

20.81

%

19.61

%

**17.60**

**%**

19.72

%

**Three Months Ended**

**Six Months Ended**

**Jun. 30,**

**Mar. 31,**

**Dec. 31,**

**Sep. 30,**

**Jun. 30,**

**Jun. 30,**

**Jun. 30,**

**RECONCILIATION OF GAAP TO NON-GAAP** 

**2026**

**2026**

**2025**

**2025**

**2025**

**2026**

**2025**

**Adjusted Efficiency Ratio (non-GAAP) (4)**

**Efficiency ratio** 

**50.00**

**%**

51.05

%

49.65

%

49.88

%

52.75

%

**50.52**

**%**

56.75

%

Effect to adjust for securities losses

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

(7.44)

%

Effect to adjust for gain on sale leaseback, net of transaction costs

**—**

**%**

—

%

—

%

—

%

—

%

**—**

**%**

7.46

%

Effect to adjust for merger, branch consolidation, severance related 

and other expense, net of tax (8)

**—**

**%**

—

%

(0.65)

%

(2.99)

%

(3.66)

%

**—**

**%**

(7.12)

%

Effect to adjust for FDIC special assessment

**—**

**%**

—

%

0.56

%

—

%

—

%

**—**

**%**

—

%

**Adjusted efficiency ratio (non-GAAP)**

**50.00**

**%**

51.05

%

49.56

%

46.89

%

49.09

%

**50.52**

**%**

49.65

%

**Tangible Book Value Per Common Share (non-GAAP) (3)**

**Book value per common share (GAAP)**

**$**

**94.17**

$

92.21

$

91.38

$

89.14

$

86.71

Effect to adjust for intangible assets

**(35.45)**

(35.31)

(35.11)

(34.66)

(34.75)

**Tangible book value per common share (non-GAAP)**

**$**

**58.72**

$

56.90

$

56.27

$

54.48

$

51.96

**Tangible Equity-to-Tangible Assets (non-GAAP) (3)**

**Equity-to-assets (GAAP)** 

**13.25**

**%**

13.28

%

13.48

%

13.64

%

13.36

%

Effect to adjust for intangible assets

**(4.55)**

**%**

(4.64)

%

(4.72)

%

(4.83)

%

(4.90)

%

**Tangible equity-to-tangible assets (non-GAAP)** 

**8.70**

**%**

8.64

%

8.76

%

8.81

%

8.46

%

Certain prior period information has been reclassified to conform to the current period presentation, and these reclassifications have no impact on net income or equity as previously reported.

Footnotes to tables:

(1)

Includes loan accretion (interest) income related to the discount on acquired loans of $33.1 million, $38.8 million, $50.3 million, $83.0 million, and $63.5 million during the quarters ended June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, respectively, and $71.8 million and $125.3 million during the six months ended June 30, 2026 and 2025, respectively.

(2)

Adjusted earnings, adjusted return on average assets, adjusted EPS, and adjusted return on average equity are non-GAAP measures and exclude the gains or losses on sales of securities, gain on sale leaseback, net of transaction costs, PCL on non-PCD loans and unfunded commitments, deferred tax asset remeasurement, merger, branch consolidation, severance related and other expense, and FDIC special assessments. Management believes that non-GAAP adjusted measures provide additional useful information that allows readers to evaluate the ongoing performance of the Company. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP. Adjusted earnings and the related adjusted return measures (non-GAAP) exclude the following from net income (GAAP) on an after-tax basis: (a) pre-tax merger, branch consolidation, severance related and other expense of $4.5 million, $20.9 million, and $24.4 million for the quarters ended December 31, 2025, September 30, 2025, and June 30, 2025, respectively, and $92.4 million during the six months ended June 30, 2025; (b) pre-tax net securities losses of $(228.8) million for the six months ended June 30, 2025; (c) pre-tax gain on sale leaseback, net of transaction costs of $229.3 million for the six months ended June 30, 2025; (d) pre-tax PCL on non-PCD loans and unfunded commitments of $92.1 million for the six months ended June 30, 2025; (e) pre-tax FDIC special assessment of $(3.8) million for the quarter ended December 31, 2025; and (f) deferred tax asset remeasurement of $5.6 million for the six months ended June 30, 2025.

(3)

The tangible measures are non-GAAP measures and exclude the effect of period end or average balance of intangible assets. The tangible returns on equity and common equity measures also add back the after-tax amortization of intangibles to GAAP basis net income. Management believes that these non-GAAP tangible measures provide additional useful information, particularly since these measures are widely used by industry analysts for companies with prior merger and acquisition activities. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP. The sections titled "Reconciliation of GAAP to Non-GAAP" provide tables that reconcile GAAP measures to non-GAAP.

(4)

Adjusted efficiency ratio is calculated by taking the noninterest expense excluding transaction costs on merger, branch consolidation, severance related and other expenses, FDIC special assessment, and amortization of intangible assets, divided by net interest income and noninterest income excluding gains (losses) on sales of securities, net, and gain on sale leaseback, net of transaction costs. The pre-tax amortization expenses of intangible assets were $21.0 million, $21.3 million, $23.4 million, $23.4 million, and $24.0 million for the quarters ended June 30, 2026, March 31, 2026, December 31, 2025, September 30, 2025, and June 30, 2025, respectively, and $42.3 million and $47.9 million for the six months ended June 30, 2026 and 2025, respectively.

(5)

The dividend payout ratio is calculated by dividing total dividends paid during the period by the total net income for the same period.

(6)

June 30, 2026 ratios are estimated and may be subject to change pending the final filing of the FR Y-9C; all other periods are presented as filed. 

(7)

Loan data excludes loans held for sale.

(8)

Includes pre-tax cyber incident net reimbursement of $(3.6) million for the quarters ended June 30, 2025 and $(3.5) million for the six months ended June 30, 2025.

**Cautionary Statement Regarding Forward Looking Statements**

Statements included in this communication contain forward looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of management of SouthState Bank Corporation ("SouthState") and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward looking statements.

Factors that could cause SouthState's actual results to differ materially from those described in the forward looking statements are discussed in SouthState's Annual Report on Form 10 K for the year ended December 31, 2025, filed with the Securities and Exchange Commission and available on SouthState's website (https://southstatecorporation.q4ir.com/SEC-Filings/Documents/default.aspx), and on the Securities and Exchange Commission's website (www.sec.gov). SouthState undertakes no obligation to update any forward looking statements.

SOURCE SouthState Bank Corporation

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**