# SOUTH STATE BANK
COLUMBIA, SC · FDIC certificate 13425 · asset band $10-100B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $16.64B | |
| Deposits | $12.39B | |
| Loans and leases | $11.58B | |
| Total equity | $2.38B | |
| Loans / deposits | 92.26% (p54 of band) | 91.24% |
| Liquid assets / assets | 19.44% (p41 of band) | |
| Uninsured deposits / deposits | 22.06% (p23 of band) | 35.63% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.17% (p42 of band) | |
| FHLB advances / assets | 6.01% | |
| Tier 1 leverage | 9.24% (p42 of band) | 9.57% |
| Unrealized securities loss / equity | 2.34% (p42 of band) | 2.81% |
| AOCI / equity | 0.37% (p30 of band) | |
| ROA (annualized) | 0.74% (p55 of band) | 0.64% |
| Net interest margin | 3.65% (p69 of band) | 3.30% |
| Efficiency ratio | 59.38% (p62 of band) | |
| Noncurrent loans | 0.49% (p45 of band) | 0.54% |
| Net charge-offs (annualized) | 0.03% (p33 of band) | |
| Reserve coverage of noncurrent | 255.34% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 46.18% (p75 of band) | |
| Auto loans | $232.9M (2.01% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $47.5M (2% of equity) (p52 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 2583 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | construction >100% equity |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 0 |  | expense ratio p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-20 [SouthState buys Texas bank for about $2 billion - Business North Carolina](https://news.google.com/rss/articles/CBMiRkFVX3lxTFB5X1Y4S0diV3VRV0d1Q1luMkRzTVhVZGtoQjM5RGVZb3FhVF85ZmRKSHJrQlRsLWxTVGNFQ3QzYzBtLTNzUXc?oc=5) · Business North Carolina
- 2020-08-11 [Recently merged South State Bank to close 5 SC branches - Post and Courier](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQZ3BFWVl6SUQtbXQ2N0g3aGNka3FoeEpBUkVtb00yaTJ5WWRORl8tcmZxaHlpNEJOQzlaeWR3Q0dOZVl4NmRETkhoU2VyeXEwdDZsRHVlc2R0ZFZfa2ROUjNhVHE3cjl2RWxHYXRWWGp5bGYzTU50eENxbHc5dS1NRkNSUFE1WDM3RHNhYTVCbkZBeDU0NW43VDZ5bUZqZHNtRXVKRVRlTndCX2EwVWZyeGIxaWNvQ1hjVW95SVpxYjUwdDJuOFgwdlBUVFRaclFvRlAwS2htOEVKb244WWc?oc=5) · Post and Courier
- 2025-02-28 [South State Bank and CenterState Bank in $6 billion merger - Leaders League](https://news.google.com/rss/articles/CBMiowFBVV95cUxNZDZjdEoyZm1pM1FTVkt5RXZ6dktoSHVXZHYya1ZCckVudXl1T19sMlhXOTFmcURnSnhPSlpVMktZREdCRkxadEMySkVrbkoyb0M3WVlfSXliX2NwNFcyQWpIMmliZ0RTeXU4QmpPMlNLd1hZZVdabWdUODJrMFMtXzZWb0wyXy1oOTFtNlZRaVJSVWhfVHFIS1BoSl94b3p0ejJ3?oc=5) · Leaders League
- 2020-01-27 [CenterState to merge with South State in $6 billion deal - Sarasota Herald-Tribune](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPc0E0YnhCUVRvWW1oTVB5RGdOZlFfOEFERmI5aU1GV0hObkVmRzZqSmdtZWFFLXFEUkVXdXlXeUpPX3A3ZHRTWE1Rbzk3bzVudldBeVkyN3hvZ2kyOTF6al9GREFJaDIxWXZYS2NPZThEOElZS2R5b1JYTUU2aU5tand0WGduM0haYmZ2WGZONC11d0ZpeHZ5R1ZZQlhzd0VzNVV0N1MzbHZvcDZHdlBFcm9RWE9OTzM4bDV0d25aNV8?oc=5) · Sarasota Herald-Tribune
- 2018-07-19 [Greg Lapointe Named President of South State Bank - PR Newswire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMjdwMmhpczNHMTlYWHFnbktiMnNzRzNRN0VSUWZ2MEc3Z1Nkemp4ZVpvT082NXFqaXBydnhSdmpaUUctSkNsSTkzd3o5S09MZTNLSkJuY2Z2RHhiVGpyOFpsT2ZpZnhXTXZDRXh2QW1HRVZVemx0U2RHaWFuV3RFdlBBQ1BmMHp0YVJDY2FWV3h2Um50ZDFiaWwwZUNSN2VPQkJjRExFdnA?oc=5) · PR Newswire
- 2014-02-18 [South Carolina Bank & Trust to Change Name to South State Bank - WLTX](https://news.google.com/rss/articles/CBMirgFBVV95cUxOUG9WOVljTXNJWnQtNUJVUzAxemtmcm5MdzUyMkJqc294WTdnTFItSnBOWGsyZjRlX0ROS3JtU1laNDM1Qzd1RkpwanVCTzNXSEwtNmpxQU90cEc0cVJKVWtmamlQOUs5QXB1NHpyVzRXTkYyRERUaHgwSW8xRklaanY1azlUOC1xUEdhR0hGTl8wa3dReWd0emlXMXl1X3NYbXRMd2tHaVRyN0FwS3c?oc=5) · WLTX
- 2020-01-29 [Columbia-based bank moving headquarters to Florida after merger - The State](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5jbzZVUm5vRFZmUDVnUllpUnVONDkxSVhSYlRwT3V1cHVYX0ZwelNoNG9lZGs5WWl6YlVhalZjR1pieENoTk9DVU5iZHJlYlI2UExGR3dLZGVhZDZuTTVFVEF2TGotUkla0gFoQVVfeXFMTVpjcnlxaUhuVmpzTUZTd0dMZDRtMVd1NElqRFZLWHNsMG9sUUJxVE9aMGhaaEpLV1ZYWUU0SWNERnFpQlppcmI3QWtJOGlvVFk1NjF4OGpjZjNmVlVKclY4TGt1N2t6VS0?oc=5) · The State
- 2020-08-27 [South State Bank Earns Forbes’ “Best-in-State Banks” Distinction, Best Workplace Awards - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPOUJyRzRrNmNLZHhjZ0liSWZLRDlGWXZvLUtjbXVHZTRrdmFtZlF3dUZtZHZ5VWQwenNsRlFJRGZQTjlCVU41R19LVjB2aUhlTTdIaE1ERFdxazd5UnVyMUg3eEpZdy03SUphWHBNRjN5SHpoeG1TR3RjOG8zNWwxelVndjREaGlQTEN1OVBOOWlQQWpKVDNxUHRzRkRqSlNzaExodWx6VDE3M0JuQmREODdlWmhQRWpYcVRvTVBtd3N0ZGNwX285REJZQkpILURFYXoxX0trOA?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13425 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "13425", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide