| Schedule of actual and required capital ratios |
The following table presents actual and required capital ratios as of June 30, 2026, and December 31, 2025, for the Company and the Bank under the current capital rules. | | | | | | | | | | | | | | | | | | | | | | | | | | 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, 2026: | | | | | | | | | | | | | | | | | Common equity Tier 1 to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | $ | 6,096,084 | | 11.12 | % | $ | 3,836,103 | | 7.00 | % | $ | 3,562,095 | | 6.50 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 12.17 | % | | 3,834,053 | | 7.00 | % | | 3,560,192 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 6,096,084 | | 11.12 | % | | 4,658,125 | | 8.50 | % | | 4,384,117 | | 8.00 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 12.17 | % | | 4,655,636 | | 8.50 | % | | 4,381,775 | | 8.00 | % | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 7,394,701 | | 13.49 | % | | 5,754,154 | | 10.50 | % | | 5,480,147 | | 10.00 | % | SouthState Bank (the Bank) | | | 7,266,907 | | 13.27 | % | | 5,751,080 | | 10.50 | % | | 5,477,219 | | 10.00 | % | Tier 1 capital to average assets (leverage ratio): | | | | | | | | | | | | | | | | | Consolidated | | | 6,096,084 | | 9.39 | % | | 2,596,800 | | 4.00 | % | | 3,246,000 | | 5.00 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 10.28 | % | | 2,592,383 | | 4.00 | % | | 3,240,478 | | 5.00 | % | December 31, 2025: | | | | | | | | | | | | | | | | | Common equity Tier 1 to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | $ | 5,885,568 | | 11.36 | % | $ | 3,625,944 | | 7.00 | % | $ | 3,366,948 | | 6.50 | % | SouthState Bank (the Bank) | | | 6,496,379 | | 12.54 | % | | 3,625,076 | | 7.00 | % | | 3,366,142 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 5,885,568 | | 11.36 | % | | 4,402,932 | | 8.50 | % | | 4,143,936 | | 8.00 | % | SouthState Bank (the Bank) | | | 6,496,379 | | 12.54 | % | | 4,401,878 | | 8.50 | % | | 4,142,944 | | 8.00 | % | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 7,166,829 | | 13.84 | % | | 5,438,915 | | 10.50 | % | | 5,179,920 | | 10.00 | % | SouthState Bank (the Bank) | | | 7,082,039 | | 13.68 | % | | 5,437,614 | | 10.50 | % | | 5,178,680 | | 10.00 | % | Tier 1 capital to average assets (leverage ratio): | | | | | | | | | | | | | | | | | Consolidated | | | 5,885,568 | | 9.26 | % | | 2,543,294 | | 4.00 | % | | 3,179,117 | | 5.00 | % | SouthState Bank (the Bank) | | | 6,496,379 | | 10.22 | % | | 2,542,489 | | 4.00 | % | | 3,178,111 | | 5.00 | % |
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