# SOUTHSTATE BANK NA
WINTER HAVEN, FL · FDIC certificate 33555 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $68.79B | |
| Deposits | $56.38B | |
| Loans and leases | $51.25B | |
| Total equity | $9.70B | |
| Loans / deposits | 89.87% (p68 of band) | 85.78% |
| Liquid assets / assets | 15.70% (p16 of band) | |
| Uninsured deposits / deposits | 37.77% (p47 of band) | 38.39% |
| Brokered deposits | 7.09% | |
| Wholesale funding | 8.36% (p53 of band) | |
| FHLB advances / assets | 0.44% | |
| Tier 1 leverage | 10.28% (p55 of band) | 10.17% |
| Unrealized securities loss / equity | -7.56% (p50 of band) | -7.43% |
| AOCI / equity | -0.28% (p55 of band) | |
| ROA (annualized) | 1.42% (p68 of band) | 1.24% |
| Net interest margin | 3.86% (p69 of band) | 3.57% |
| Efficiency ratio | 49.65% (p35 of band) | |
| Noncurrent loans | 0.54% (p37 of band) | 0.66% |
| Net charge-offs (annualized) | 0.05% (p38 of band) | |
| Reserve coverage of noncurrent | 213.79% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 30.19% (p52 of band) | |
| Auto loans | $194.7M (0.38% of loans; DQ 0.30%, NCO 0.00%) | |
| Loans to nondepository financials | $753.0M (8% of equity) (p50 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 6430 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | noncurrent p90 |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | expense ratio p90 |  |
| 2014-06 | 2 |  | noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | expense ratio p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | deposits shrinking |  |
| 2015-09 | 1 |  | noncurrent p90, deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2016-06 | 3 |  | losing money |
| 2016-09 | 1 |  | capital falling, expense ratio p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 2 | reserve under noncurrent |  |
| 2018-06 | 0 |  | capital falling, reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | losing money |  |
| 2020-09 | 0 |  | losing money |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-25 [SouthState Bank Ranked Third Among Largest U.S. Banks in Bank Director's 2026 RankingBanking Study - Eastern Progress](https://news.google.com/rss/articles/CBMiigJBVV95cUxQa0hGeERsd3doMVZfYnBSR3lrN3BLd0xBa21wT3JWZDluOE9TT3BlNFBOMXI4QVpNdm5jVDhQNVg2bG9mOXlFYi1vSnROa25vNEU2NU1EOTZvQ3N4a0ZzakhCYzMyWTRSQXlQMUVyR0tJeWdtVURtVXE5QmpFaTFhSkFFRTF2aVJ1NFl6N3FGbEV3TVU0RlRtU3QzeVJZNzVrYWZlZVhTLWplcUFDNWRTR2NEVHJYYTdDZWpKQ0I2T2hvUkdyQ2VhODZvWnRVQldUZ29aYnNKSFV0dW1CUVV5WXVJX3NYS0ZweHRFaC1TWFk1Mm96MzZHbThJOXl1SmUxMHRRSzlXVTM3Zw?oc=5) · Eastern Progress
- 2026-05-06 [SouthState Bank N.A. Coming To Downtown Winter Haven - Florida Trend](https://news.google.com/rss/articles/CBMipAFBVV95cUxQdEwxdW1DYTRyRTB0MjNNOTZFTGJkRW9oRjZBTERacmpKbGxIaDFJbTM1cDFHOWo1VVdrNjkyVFJvRjcwOFF4b0hpUWJEcEVTS0VFamJSS2tzSDNHamt6WGFBeTM0cjdCWlhmZGxOWG8xTWN0NE9CeW5Ra2RGZEd0ZlBnMWtLZlFrMFNPOXpVQ2tsUGVLN2RvQWNHR3hQU2hfYV9sXw?oc=5) · Florida Trend
- 2026-01-21 [SouthState Accelerates Growth with Strategic Talent Acquisition to Drive 2026 Performance - PR Newswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPOVNFNWdDYktMVE9WMVFuOUtUMUNia3VnNm1uOEV4elI0QUYyR3A3WE52MFNRWXR5NHA4X0FBcDhyMVFwNFlCRE1zR1BsWmkzMTBSLVQyNlRCcWg0QXlZUy1UN29MZzJTYl83aG5UUkhBWjRobkF1WDlPZFlaU0lmcWFKVFZKSWdVQkczbm1QbDFEUDhTTmktRmdrQVpvQTBQbWM4b291ckxEZ01sSktqRG1DamsyVkdOSnR0WEdHVE9vM3ROMzhrNjlMUEpsYVFaMDZGSDZMemlnMXNhS2c?oc=5) · PR Newswire
- 2025-12-12 [SouthState led Florida banks in asset growth over the last year - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXFkeUR0ZWhYc2VGdmNPMXZTaFJfaDFsNTUtNEpxczJrMUhzdFYxczFyWWw4a3dmazRWY3NoZWVZU0JTRkNocWJvYnh4dDVJN1lBTDFHQkhOOXpkVU1BVnJfbGNJSWtZejZULTJ5NlpDTld1ZEl5Z0dLNHNwUnNMRGZ1R1hqZWdRMElObkVwa0EtV1ZYN0ZEeE9ZbThfbjdPTl9rbg?oc=5) · The Business Journals
- 2026-08-17 [SouthState Establishes Government Contractor Banking Vertical, Appoints Industry Veteran to Lead Venture - Eastern Progress](https://news.google.com/rss/articles/CBMikwJBVV95cUxOQTBQMGFfUTVraFU3b19BbjgxVTRZYjY4QmRwb1d2STBWUmdGeVp5Z20tdk9iQmlUMDdGYmhoZ25WcUlsYklUT3Z5NXhlT3VRS3VSRVRQOFBjOXNQc041V2VBUVN6dW8xRU83b2hGWlVMN1lDdXhfVmZmeHFncG5reG5ILWNjbUNlRlJmYnJ4QXBUTmFGQXF0blAxMkVsd1VtbFQ3eEgtZlZQTFdSOXQ2VE9GNDNkUXloVWxWcFEzRnktQTNfNkk4N0ZDUi1LZU1aY0lpaHRhTjZTMzEwOUFRam1FMldIR2ZncUIzUWtwLS1yTE9hS2dyZFZQanhtQjBUYmdLV0ctWG82NTNTX1lyV0pCbw?oc=5) · Eastern Progress
- 2025-11-04 [SouthState Bank Moves into New Atlanta Regional Headquarters at Prominence in Buckhead - citybiz](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOQjZLWkNRZDZER3hMdjhCQl9WTTM0dkZsVUpuRzNUZ0tTbDUwdlhoakdkSE9vQl9zMkRaOVZFeDBvSnF6djJhSVNqZkU3Z2dJNHBpeHZnb3p4aVhDZDBlSmNZTmhlU2hGdFhITjFPSTZraVBTcURPWlMycGxMWmFqVVNXSFBuLVVKZjZMQjNGLXVYUGVJZlhHYUtVd3ExZFdkckFlSGZjQ0FGUEl0TmRaOWhnN0QzOUR2emtrX29meGoxazg?oc=5) · citybiz
- 2025-10-24 [SouthState Bank Corporation Adds Ben Sasse to Board - PR Newswire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaTY0WE9VdVZoZEtDR2ZpSlV0bms1d3VEWm84X24zVlRyMnp3Y1prVElQM25VMHVDenFMMEFwTzRWWm9Id2YzS1prT1oyMmJyZTYxUFpqZE9ZMWczVTROTFdvVWVxVjVOREdhNjVPMjhoaVNfajhJdUYyd0NBX2J2aC04Q0tySGI3R2haS1lOT2JRcXFJMUhxSmFmcWJNcXdwNXBlTy03eXY1d0U?oc=5) · PR Newswire
- 2025-02-28 [JLL advises on $467M sale-leaseback portfolio of SouthState Corporation retail bank branches - JLL](https://news.google.com/rss/articles/CBMimwFBVV95cUxOb1pLTDcwcXgzcjVyR0VoOVp0RkhlaU9kQ1FZOXhFUGpVQmpSTFFPNXF5QU02SEU1QkFkRG1NVzYza2VCYi1LV1lsZWNoSEFWZ3dzVDRPZjJVRldwR2pmbEhDQWhFV0xKSXFfUnhnRnYzY0RFTFlWdUhBVTAtdkwxM0RFTHRJdTVac1REQkNXY3RDSXdZUVpDVWdlUQ?oc=5) · JLL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33555 (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/19.json (key "33555", 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