| Capital Ratios |
Note 15 — Capital Ratios The following table presents actual and required capital ratios as of September 30, 2026, and December 31, 2025 for the Company and the Bank under the current capital rules.
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Actual |
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Minimum Capital
Required – Basel III |
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Required to be
Considered
Well Capitalized |
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(Dollars in thousands) |
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Amount |
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Ratio |
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Capital Amount |
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Ratio |
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Capital Amount |
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Ratio |
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September 30,2026: |
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Common equity Tier 1 to risk-weighted assets: |
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Consolidated |
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$ |
6,258,075 |
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11.15 |
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% |
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$ |
3,929,888 |
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7.00 |
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% |
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N/A |
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N/A |
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SouthState Bank (the Bank) |
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6,791,930 |
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12.11 |
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% |
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3,927,367 |
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7.00 |
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% |
$ |
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3,646,841 |
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6.50 |
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% |
Tier 1 capital to risk-weighted assets: |
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Consolidated |
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6,258,075 |
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11.15 |
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% |
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4,772,007 |
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8.50 |
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% |
$ |
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3,368,475 |
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6.00 |
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% |
SouthState Bank (the Bank) |
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6,791,930 |
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12.11 |
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% |
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4,768,946 |
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8.50 |
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% |
$ |
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4,488,419 |
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8.00 |
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% |
Total capital to risk-weighted assets: |
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Consolidated |
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7,565,823 |
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13.48 |
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% |
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5,894,832 |
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10.50 |
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% |
$ |
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5,614,126 |
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10.00 |
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% |
SouthState Bank (the Bank) |
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7,404,078 |
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13.20 |
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% |
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5,891,050 |
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10.50 |
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% |
$ |
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5,610,524 |
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10.00 |
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% |
Tier 1 capital to average assets (leverage ratio): |
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Consolidated |
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6,258,075 |
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9.49 |
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% |
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2,637,909 |
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4.00 |
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% |
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N/A |
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N/A |
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SouthState Bank (the Bank) |
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6,791,930 |
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10.32 |
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% |
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2,633,147 |
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4.00 |
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% |
$ |
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3,291,434 |
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5.00 |
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% |
December 31, 2025: |
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Common equity Tier 1 to risk-weighted assets: |
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Consolidated |
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$ |
5,885,568 |
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11.36 |
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% |
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$ |
3,625,944 |
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7.00 |
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% |
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N/A |
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N/A |
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SouthState Bank (the Bank) |
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6,496,379 |
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12.54 |
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% |
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3,625,076 |
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7.00 |
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% |
$ |
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3,366,142 |
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6.50 |
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% |
Tier 1 capital to risk-weighted assets: |
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Consolidated |
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5,885,568 |
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11.36 |
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% |
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4,402,932 |
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8.50 |
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% |
$ |
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4,143,936 |
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6.00 |
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% |
SouthState Bank (the Bank) |
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6,496,379 |
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12.54 |
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% |
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4,401,878 |
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8.50 |
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% |
$ |
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4,142,944 |
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8.00 |
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% |
Total capital to risk-weighted assets: |
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Consolidated |
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7,166,829 |
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13.84 |
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% |
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5,438,915 |
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10.50 |
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% |
$ |
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5,179,920 |
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10.00 |
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% |
SouthState Bank (the Bank) |
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7,082,039 |
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13.68 |
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% |
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5,437,614 |
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10.50 |
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% |
$ |
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5,178,680 |
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10.00 |
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% |
Tier 1 capital to average assets (leverage ratio): |
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Consolidated |
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5,885,568 |
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9.26 |
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% |
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2,543,294 |
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4.00 |
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% |
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N/A |
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N/A |
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SouthState Bank (the Bank) |
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6,496,379 |
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10.22 |
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% |
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2,542,489 |
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4.00 |
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% |
$ |
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3,178,111 |
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5.00 |
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% |
As of September 30, 2026, and December 31, 2025, the capital ratios of the Company and the Bank were in excess of the minimum regulatory requirements and exceeded the thresholds for the “well capitalized” regulatory classification. For a description of the Company’s regulatory capital framework, refer to Note 24 and Item 1, “Business,” in the 2025 Form 10-K.
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