Winter Haven, FL · Cert 33555 · Southstate Bank Corp.
National charter · OCC · 349 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
45
Asset Quality
72
Profitability
57
Liquidity
58
Efficiency
67
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Winter Haven, FL · Cert 33555 · Southstate Bank Corp.
National charter · OCC · 349 branches
Q2 2026
Market Position · Lakeland-Winter Haven, FL · 2026 SOD (annual) · 48.0% share · #1 of 16 inst. · $7.9B of $16.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.24% | 0.78% | 1.15% | 1.33% | 1.40% | 1.41% | 1.42% | +27 bps | |
| Return on Equity | 9.30% | 9.47% | 5.64% | 8.21% | 9.38% | 9.84% | 9.90% | 9.97% | +176 bps | |
| Net Interest Margin | 3.19% | 3.18% | 3.62% | 3.74% | 3.78% | 3.72% | 3.59% | 3.58% | -16 bps | |
| Efficiency Ratio | 56.45% | 56.05% | 43.77% | 46.90% | 47.29% | 47.64% | 50.08% | 49.65% | +274 bps | |
| Non-Interest Burden | 1.47% | 1.45% | 0.50% | 1.12% | 1.28% | 1.33% | 1.52% | 1.50% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.44% | 3.30% | 44.28% | 44.82% | 43.32% | 44.88% | 4.24% | 4.45% | -4,037 bps | |
| Loan Growth (YoY) | 5.59% | 5.37% | 44.01% | 42.75% | 41.91% | 43.18% | 5.73% | 7.70% | -3,505 bps | |
| Deposit Growth (YoY) | 1.89% | 2.71% | 43.23% | 45.71% | 43.53% | 44.67% | 4.63% | 4.02% | -4,170 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.56% | 0.62% | 0.58% | 0.63% | 0.63% | 0.62% | 0.61% | 0.54% | -9 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.37% | 0.29% | 0.28% | 0.23% | 0.08% | 0.07% | -22 bps | |
| Allowance / Loans | 1.38% | 1.36% | 1.32% | 1.31% | 1.23% | 1.20% | 1.18% | 1.14% | -16 bps | |
| Allowance Coverage of NPLs | 2.5x | 2.2x | 2.3x | 2.1x | 2.0x | 1.9x | 1.9x | 2.1x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.64% | 9.92% | 10.16% | 10.28% | 10.22% | 10.27% | 10.28% | +12 bps | |
| Total Risk-Based Capital | 14.41% | 14.64% | 13.48% | 13.57% | 13.76% | 13.68% | 13.44% | 13.27% | -30 bps | |
| Equity / Assets | 13.41% | 13.29% | 14.21% | 14.25% | 14.52% | 14.39% | 14.13% | 14.10% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.63% | 89.55% | 88.18% | 87.80% | 88.61% | 88.63% | 89.10% | 90.91% | +311 bps | |
| Liquid Assets / Assets | 6.40% | 6.73% | 7.37% | 7.36% | 7.03% | 6.87% | 6.13% | 5.13% | -223 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 413% | 412% | 417% | n/a | n/a | |
Winter Haven, FL · Cert 33555 · Peer group: banks over $10B in assets (n=142-144) · Southstate Bank Corp.
National charter · OCC · 349 branches
Q2 2026
Return on Assets
1.40%
Rank 49 of 144
Net Interest Margin
3.58%
Rank 46 of 144
Efficiency Ratio
52.73%
Rank 49 of 144
Equity / Assets
14.10%
Rank 20 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 1.00% | 1.26% | 1.54% | Beats 66% | 49 / 144 | ||
| Return on Equity | 9.92% | 8.98% | 11.34% | 14.40% | Beats 36% | 92 / 144 | ||
| Net Interest Margin | 3.58% | 2.82% | 3.31% | 3.68% | Beats 68% | 46 / 144 | ||
| Efficiency Ratio | 52.73% | 49.42% | 56.02% | 62.41% | Beats 67% | 49 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.48% | 0.73% | 1.07% | Beats 69% | 45 / 142 | ||
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 74% | 38 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.17% | 12.07% | 12.98% | 14.92% | Beats 28% | 104 / 144 | ||
| Total Risk-Based Capital Ratio | 13.27% | 13.39% | 14.14% | 16.25% | Beats 22% | 113 / 144 | ||
| Equity / Assets | 14.10% | 9.69% | 11.39% | 12.96% | Beats 86% | 20 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.91% | 75.72% | 84.92% | 91.56% | 73rd pctl | 39 / 143 | ||
| Loans / Assets | 74.50% | 59.83% | 69.07% | 74.80% | 74th pctl | 38 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||