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Capital Ratios (Tables)

9 Months Ended

Sep. 30, 2025

Capital Ratios

Schedule of actual and required capital ratios


												Required to be
							Minimum Capital					Considered Well
		Actual					Required – Basel III					Capitalized
(Dollars in thousands)		Amount			Ratio		Capital Amount			Ratio		Capital Amount			Ratio
September 30, 2025:
Common equity Tier 1 to risk-weighted assets:
Consolidated		$	5,847,433		11.48	%	$	3,565,394		7.00	%	$	3,310,723		6.50	%
SouthState Bank (the Bank)			6,421,904		12.62	%		3,561,851		7.00	%		3,307,433		6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated			5,847,433		11.48	%		4,329,408		8.50	%		4,074,737		8.00	%
SouthState Bank (the Bank)			6,421,904		12.62	%		4,325,104		8.50	%		4,070,686		8.00	%
Total capital to risk-weighted assets:
Consolidated			7,123,149		13.98	%		5,348,092		10.50	%		5,093,421		10.00	%
SouthState Bank (the Bank)			7,002,021		13.76	%		5,342,776		10.50	%		5,088,358		10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated			5,847,433		9.36	%		2,500,222		4.00	%		3,125,277		5.00	%
SouthState Bank (the Bank)			6,421,904		10.28	%		2,499,168		4.00	%		3,123,960		5.00	%
December 31, 2024:
Common equity Tier 1 to risk-weighted assets:
Consolidated		$	4,547,314		12.62	%	$	2,522,926		7.00	%	$	2,342,717		6.50	%
SouthState Bank (the Bank)			4,817,945		13.38	%		2,520,065		7.00	%		2,340,060		6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated			4,547,314		12.62	%		3,063,552		8.50	%		2,883,343		8.00	%
SouthState Bank (the Bank)			4,817,945		13.38	%		3,060,079		8.50	%		2,880,074		8.00	%
Total capital to risk-weighted assets:
Consolidated			5,391,194		14.96	%		3,784,388		10.50	%		3,604,179		10.00	%
SouthState Bank (the Bank)			5,271,725		14.64	%		3,780,097		10.50	%		3,600,093		10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated			4,547,314		10.04	%		1,810,985		4.00	%		2,263,732		5.00	%
SouthState Bank (the Bank)			4,817,945		10.64	%		1,810,497		4.00	%		2,263,121		5.00	%