XML 84 R73.htm IDEA: XBRL DOCUMENT
v3.25.1

Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands |  | 3 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jan. 01, 2025 | Mar. 31, 2025 | Mar. 31, 2024 | Dec. 31, 2024
Allowance for credit losses |  |  |  |
Balance at beginning of period | $ 465,280 | $ 465,280 | $ 456,573 | $ 456,573
Allowance Adjustment - FMV for Independent merger |  | 118,643 |  |
Independent Day 1 Loan Charge-offs PCD |  | (39,429) |  |
Charge-offs |  | (7,422) |  |
Charge-offs |  | (46,851) | (7,940) | (35,070)
Recoveries |  | 2,982 | 5,261 |
Net (charge-offs) recoveries |  | (43,869) | (2,679) |
Provision (benefit) |  | 3,665 | 15,760 |
Balance at end of period |  | 623,690 | 469,654 | 465,280
Independent |  |  |  |
Allowance for credit losses |  |  |  |
Allowance Adjustment - FMV for Independent merger | 118,643 |  |  |
Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 79,971 |  |
Consumer loans |  |  |  |
Allowance for credit losses |  |  |  |
Charge-offs |  | (4,938) |  | (10,298)
Unfunded Commitment |  |  |  |
Allowance for credit losses |  |  |  |
Provision (recovery) |  | 16,900 | (3,100) |
Unfunded Commitment | Independent |  |  |  |
Allowance for credit losses |  |  |  |
Provision (recovery) |  | 12,100 |  |
Residential Mortgage Sr. |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 42,687 | 42,687 | 78,052 | 78,052
Allowance Adjustment - FMV for Independent merger |  | 1,852 |  |
Independent Day 1 Loan Charge-offs PCD |  | (61) |  |
Charge-offs |  | (507) |  |
Charge-offs |  |  | (343) |
Recoveries |  | 200 | 123 |
Net (charge-offs) recoveries |  | (368) | (220) |
Provision (benefit) |  | 1,245 | 9,652 |
Balance at end of period |  | 54,326 | 87,484 | 42,687
Residential Mortgage Sr. | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 8,910 |  |
Residential Mortgage Jr. |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 432 | 432 | 745 | 745
Charge-offs |  | (13) |  |
Recoveries |  | 24 | 39 |
Net (charge-offs) recoveries |  | 11 | 39 |
Provision (benefit) |  | 265 | 446 |
Balance at end of period |  | 793 | 1,230 | 432
Residential Mortgage Jr. | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 85 |  |
HELOC |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 14,845 | 14,845 | 10,942 | 10,942
Charge-offs |  | (229) |  |
Charge-offs |  |  | (110) |
Recoveries |  | 380 | 292 |
Net (charge-offs) recoveries |  | 151 | 182 |
Provision (benefit) |  | (219) | 600 |
Balance at end of period |  | 14,868 | 11,724 | 14,845
HELOC | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 91 |  |
Residential Construction |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 9,298 | 9,298 | 5,024 | 5,024
Charge-offs |  |  | (304) |
Recoveries |  |  | 7 |
Net (charge-offs) recoveries |  |  | (297) |
Provision (benefit) |  | (1,443) | (175) |
Balance at end of period |  | 12,555 | 4,552 | 9,298
Residential Construction | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 4,700 |  |
Commercial Construction and Development |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 65,553 | 65,553 | 65,772 | 65,772
Allowance Adjustment - FMV for Independent merger |  | 6,448 |  |
Charge-offs |  |  | (1,475) |
Recoveries |  | 98 | 1,007 |
Net (charge-offs) recoveries |  | 98 | (468) |
Provision (benefit) |  | (5,309) | (4,444) |
Balance at end of period |  | 78,541 | 60,860 | 65,553
Commercial Construction and Development | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 11,751 |  |
Consumer |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 17,484 | 17,484 | 23,331 | 23,331
Allowance Adjustment - FMV for Independent merger |  | 114 |  |
Independent Day 1 Loan Charge-offs PCD |  | (2,323) |  |
Charge-offs |  | (1,805) |  |
Charge-offs |  |  | (2,497) |
Recoveries |  | 830 | 1,125 |
Net (charge-offs) recoveries |  | (3,298) | (1,372) |
Provision (benefit) |  | 1,750 | 1,394 |
Balance at end of period |  | 16,304 | 23,353 | 17,484
Consumer | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 254 |  |
Multifamily |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 22,279 | 22,279 | 13,766 | 13,766
Allowance Adjustment - FMV for Independent merger |  | 3,561 |  |
Recoveries |  |  | 25 |
Net (charge-offs) recoveries |  |  | 25 |
Provision (benefit) |  | 4,315 | 3,221 |
Balance at end of period |  | 33,960 | 17,012 | 22,279
Multifamily | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 3,805 |  |
Municipal |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 1,197 | 1,197 | 900 | 900
Provision (benefit) |  | (2,037) | (24) |
Balance at end of period |  | 1,107 | 876 | 1,197
Municipal | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 1,947 |  |
CRE Owner Occupied |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 78,753 | 78,753 | 71,580 | 71,580
Allowance Adjustment - FMV for Independent merger |  | 8,075 |  |
Independent Day 1 Loan Charge-offs PCD |  | (1,302) |  |
Charge-offs |  | (204) |  |
Recoveries |  | 50 | 103 |
Net (charge-offs) recoveries |  | (1,456) | 103 |
Provision (benefit) |  | 13,098 | 914 |
Balance at end of period |  | 101,656 | 72,597 | 78,753
CRE Owner Occupied | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 3,186 |  |
Non Owner Occupied CRE |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | 111,538 | 111,538 | 137,055 | 137,055
Allowance Adjustment - FMV for Independent merger |  | 93,820 |  |
Independent Day 1 Loan Charge-offs PCD |  | (13,556) |  |
Charge-offs |  |  | (71) |
Recoveries |  | 96 | 10 |
Net (charge-offs) recoveries |  | (13,460) | (61) |
Provision (benefit) |  | (51,121) | (2,296) |
Balance at end of period |  | 172,334 | 134,698 | 111,538
Non Owner Occupied CRE | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | 31,557 |  |
C & I |  |  |  |
Allowance for credit losses |  |  |  |
Balance at beginning of period | $ 101,214 | 101,214 | 49,406 | 49,406
Allowance Adjustment - FMV for Independent merger |  | 4,773 |  |
Independent Day 1 Loan Charge-offs PCD |  | (22,187) |  |
Charge-offs |  | (4,664) |  |
Charge-offs |  |  | (3,140) |
Recoveries |  | 1,304 | 2,530 |
Net (charge-offs) recoveries |  | (25,547) | (610) |
Provision (benefit) |  | 43,121 | 6,472 |
Balance at end of period |  | 137,246 | $ 55,268 | $ 101,214
C & I | Initial Allowance for Non PCD loans acquired during period |  |  |  |
Allowance for credit losses |  |  |  |
Balance at end of period |  | $ 13,685 |  |

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff after charge-offs from acquired loans. + References No definition available. + Details
Name: | ssb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterAcquisitionLoanChargeOff
Namespace Prefix: | ssb_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss at acquisition date on financing receivable purchased with credit deterioration from write-off. Excludes net investment in lease. + References No definition available. + Details
Name: | ssb_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossWriteOffAtAcquisitionDate
Namespace Prefix: | ssb_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease (increase) in allowance for credit loss on financing receivable from writeoff (recovery). Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffAfterRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of allowance for credit loss at acquisition date of financing receivable purchased with credit deterioration. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 19 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-19 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (a) -SubTopic 10 -Topic 230 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28 Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 942 -SubTopic 220 -Name Accounting Standards Codification -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04(11)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1 + Details
Name: | us-gaap_ProvisionForLoanLeaseAndOtherLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_BusinessAcquisitionAxis=ssb_IndependentBankGroupIncMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_CreditLossStatusAxis=us-gaap_FinancialAssetAcquiredAndNoCreditDeteriorationMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductOneMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductTwoMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductThreeMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductFourMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductFiveMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductSixMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductSevenMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductEightMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductNineMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductTenMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | srt_ProductOrServiceAxis=ssb_FinancialServiceProductElevenMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |