Actual

Minimum Capital
Required – Basel III

Required to be
Considered
Well Capitalized

(Dollars in thousands)

Amount

Ratio

Capital Amount

Ratio

Capital Amount

Ratio

September 30,2026:

Common equity Tier 1 to risk-weighted assets:

Consolidated

$

6,258,075

11.15

%

$

3,929,888

7.00

%

N/A

N/A

SouthState Bank (the Bank)

6,791,930

12.11

%

3,927,367

7.00

%

$

3,646,841

6.50

%

Tier 1 capital to risk-weighted assets:

Consolidated

6,258,075

11.15

%

4,772,007

8.50

%

$

3,368,475

6.00

%

SouthState Bank (the Bank)

6,791,930

12.11

%

4,768,946

8.50

%

$

4,488,419

8.00

%

Total capital to risk-weighted assets:

Consolidated

7,565,823

13.48

%

5,894,832

10.50

%

$

5,614,126

10.00

%

SouthState Bank (the Bank)

7,404,078

13.20

%

5,891,050

10.50

%

$

5,610,524

10.00

%

Tier 1 capital to average assets (leverage ratio):

Consolidated

6,258,075

9.49

%

2,637,909

4.00

%

N/A

N/A

SouthState Bank (the Bank)

6,791,930

10.32

%

2,633,147

4.00

%

$

3,291,434

5.00

%

December 31, 2025:

Common equity Tier 1 to risk-weighted assets:

Consolidated

$

5,885,568

11.36

%

$

3,625,944

7.00

%

N/A

N/A

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

6.00

%

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

%

N/A

N/A

SouthState Bank (the Bank)

6,496,379

10.22

%

2,542,489

4.00

%

$

3,178,111

5.00

%