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Capital Ratios (Tables)

3 Months Ended

Mar. 31, 2026

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
March 31, 2026:
Common equity Tier 1 to risk-weighted assets:
Consolidated		$	5,993,557		11.27	%	$	3,722,768		7.00	%	$	3,456,856		6.50	%
SouthState Bank (the Bank)			6,553,175		12.33	%		3,721,167		7.00	%		3,455,369		6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated			5,993,557		11.27	%		4,520,504		8.50	%		4,254,592		8.00	%
SouthState Bank (the Bank)			6,553,175		12.33	%		4,518,560		8.50	%		4,252,762		8.00	%
Total capital to risk-weighted assets:
Consolidated			7,279,005		13.69	%		5,584,152		10.50	%		5,318,240		10.00	%
SouthState Bank (the Bank)			7,143,023		13.44	%		5,581,750		10.50	%		5,315,953		10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated			5,993,557		9.38	%		2,557,093		4.00	%		3,196,366		5.00	%
SouthState Bank (the Bank)			6,553,175		10.27	%		2,553,560		4.00	%		3,191,950		5.00	%
December 31, 2025:
Common equity Tier 1 to risk-weighted assets:
Consolidated		$	5,885,568		11.36	%	$	3,625,944		7.00	%	$	3,366,948		6.50	%
SouthState Bank (the Bank)			6,496,379		12.54	%		3,625,076		7.00	%		3,366,142		6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated			5,885,568		11.36	%		4,402,932		8.50	%		4,143,936		8.00	%
SouthState Bank (the Bank)			6,496,379		12.54	%		4,401,878		8.50	%		4,142,944		8.00	%
Total capital to risk-weighted assets:
Consolidated			7,166,829		13.84	%		5,438,915		10.50	%		5,179,920		10.00	%
SouthState Bank (the Bank)			7,082,039		13.68	%		5,437,614		10.50	%		5,178,680		10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated			5,885,568		9.26	%		2,543,294		4.00	%		3,179,117		5.00	%
SouthState Bank (the Bank)			6,496,379		10.22	%		2,542,489		4.00	%		3,178,111		5.00	%