| Schedule of actual and required capital ratios |
| | | | | | | | | | | | | | | | | | | | | | | | | | Required to be | | | | | | | | | Minimum Capital | | Considered Well | | | | Actual | | Required – Basel III | | Capitalized | | (Dollars in thousands) | | Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | June 30, 2025: | | | | | | | | | | | | | | | | | Common equity Tier 1 to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | $ | 5,669,247 | | 11.21 | % | $ | 3,539,232 | | 7.00 | % | $ | 3,286,429 | | 6.50 | % | SouthState Bank (the Bank) | | | 6,252,052 | | 12.38 | % | | 3,535,258 | | 7.00 | % | | 3,282,740 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 5,669,247 | | 11.21 | % | | 4,297,638 | | 8.50 | % | | 4,044,836 | | 8.00 | % | SouthState Bank (the Bank) | | | 6,252,052 | | 12.38 | % | | 4,292,813 | | 8.50 | % | | 4,040,295 | | 8.00 | % | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 7,329,555 | | 14.50 | % | | 5,308,847 | | 10.50 | % | | 5,056,045 | | 10.00 | % | SouthState Bank (the Bank) | | | 6,851,759 | | 13.57 | % | | 5,302,887 | | 10.50 | % | | 5,050,369 | | 10.00 | % | Tier 1 capital to average assets (leverage ratio): | | | | | | | | | | | | | | | | | Consolidated | | | 5,669,247 | | 9.21 | % | | 2,462,611 | | 4.00 | % | | 3,078,264 | | 5.00 | % | SouthState Bank (the Bank) | | | 6,252,052 | | 10.16 | % | | 2,461,627 | | 4.00 | % | | 3,077,034 | | 5.00 | % | December 31, 2024: | | | | | | | | | | | | | | | | | Common equity Tier 1 to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | $ | 4,547,314 | | 12.62 | % | $ | 2,522,926 | | 7.00 | % | $ | 2,342,717 | | 6.50 | % | SouthState Bank (the Bank) | | | 4,817,945 | | 13.38 | % | | 2,520,065 | | 7.00 | % | | 2,340,060 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 4,547,314 | | 12.62 | % | | 3,063,552 | | 8.50 | % | | 2,883,343 | | 8.00 | % | SouthState Bank (the Bank) | | | 4,817,945 | | 13.38 | % | | 3,060,079 | | 8.50 | % | | 2,880,074 | | 8.00 | % | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 5,391,194 | | 14.96 | % | | 3,784,388 | | 10.50 | % | | 3,604,179 | | 10.00 | % | SouthState Bank (the Bank) | | | 5,271,725 | | 14.64 | % | | 3,780,097 | | 10.50 | % | | 3,600,093 | | 10.00 | % | Tier 1 capital to average assets (leverage ratio): | | | | | | | | | | | | | | | | | Consolidated | | | 4,547,314 | | 10.04 | % | | 1,810,985 | | 4.00 | % | | 2,263,732 | | 5.00 | % | SouthState Bank (the Bank) | | | 4,817,945 | | 10.64 | % | | 1,810,497 | | 4.00 | % | | 2,263,121 | | 5.00 | % |
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