SouthState Corp
F:FJ5
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SouthState Corp
SouthState Corp, a prominent bank holding company, has carved a significant presence in the southeastern United States. Rooted in time-tested banking principles, SouthState's story unfolds against the backdrop of a region often characterized by steady economic growth and thriving communities. At its core, the company operates a network of community banks, offering a wide array of financial products, ranging from personal and business banking services to wealth management. This diversification of services enables SouthState to cultivate deep relationships with customers, aligning with its commitment to personalized service and local expertise. The bank's operations thrive on the dual pillars of traditional banking and digital innovation, ensuring that it stays relevant in a rapidly evolving financial landscape.
Revenue generation for SouthState Corp is a sophisticated orchestration of interest income from loans, fees from an assortment of banking services, and investment income. The significant portion of its income is derived from the difference between the interest it earns on loans and mortgages, and the interest it pays on deposits—commonly known as the net interest margin. Additionally, the bank gains from service charges and fees related to account maintenance, payments, and advisory services. Wealth management and investment products provide further avenues for income, representing an integral part of its comprehensive financial solutions. This multi-faceted approach not only secures SouthState's financial stability but also enhances its ability to contribute to the economic vitality of the communities it serves.
SouthState Corp, a prominent bank holding company, has carved a significant presence in the southeastern United States. Rooted in time-tested banking principles, SouthState's story unfolds against the backdrop of a region often characterized by steady economic growth and thriving communities. At its core, the company operates a network of community banks, offering a wide array of financial products, ranging from personal and business banking services to wealth management. This diversification of services enables SouthState to cultivate deep relationships with customers, aligning with its commitment to personalized service and local expertise. The bank's operations thrive on the dual pillars of traditional banking and digital innovation, ensuring that it stays relevant in a rapidly evolving financial landscape.
Revenue generation for SouthState Corp is a sophisticated orchestration of interest income from loans, fees from an assortment of banking services, and investment income. The significant portion of its income is derived from the difference between the interest it earns on loans and mortgages, and the interest it pays on deposits—commonly known as the net interest margin. Additionally, the bank gains from service charges and fees related to account maintenance, payments, and advisory services. Wealth management and investment products provide further avenues for income, representing an integral part of its comprehensive financial solutions. This multi-faceted approach not only secures SouthState's financial stability but also enhances its ability to contribute to the economic vitality of the communities it serves.
EPS & Book Value: Excluding merger costs, EPS rose over 30% in 2025, with double-digit growth in tangible book value per share.
Loan & Deposit Growth: Both loans and deposits grew at an 8% annualized rate in Q4, reflecting strong momentum exiting the year.
Share Repurchase: Repurchased 2 million shares (2% of company) in Q4; new authorization adds 5 million shares for future buybacks.
Margin Performance: Net interest margin was 3.86% in Q4, in line with guidance; deposit costs decreased 9 bps sequentially.
Expense Growth: Efficiency ratio remained below 50% for both Q4 and the full year despite higher Q4 expenses from performance and hiring.
2026 Guidance: Expect 4% expense growth over $1.407 billion 2025 base, mid- to upper-single-digit loan growth, and stable margins between 3.80% and 3.90%.
Credit Quality: NPAs, past dues, and charge-offs declined; net charge-offs were 11 bps for the year, indicating continued strong credit quality.
Capital & Dividend: TCE ratio ended at 8.8%, CET1 at 11.4%, and dividend was raised 11% in July.
