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 | |