Southstate Bank, 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
$68.8BAssets
$51.3BLoans
$56.4BDeposits
$9.7BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 86% of banks over $10B in assets (rank 20 of 144).
- Widest gap: total risk-based capital ratio trails 78% of banks over $10B in assets (rank 113 of 144).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.0B · efficiency ratio beats 67% of banks over $10B in assets | 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 |