| Capital Ratios |
Note 15 — Capital Ratios The following table presents actual and required capital ratios as of June 30, 2026, and December 31, 2025 for the Company and the Bank under the current capital rules. The following table presents actual and required capital ratios as of June 30, 2026, and December 31, 2025, for the Company and the Bank under the current capital rules. | | | | | | | | | | | | | | | | | | | | | | | | | | Required to be | | | | | | | | | Minimum Capital | | Considered Well | | | | Actual | | Required – Basel III | | Capitalized | | (Dollars in thousands) | | Amount | | Ratio | | Capital Amount | | Ratio | | Capital Amount | | Ratio | | June 30, 2026: | | | | | | | | | | | | | | | | | Common equity Tier 1 to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | $ | 6,096,084 | | 11.12 | % | $ | 3,836,103 | | 7.00 | % | $ | 3,562,095 | | 6.50 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 12.17 | % | | 3,834,053 | | 7.00 | % | | 3,560,192 | | 6.50 | % | Tier 1 capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 6,096,084 | | 11.12 | % | | 4,658,125 | | 8.50 | % | | 4,384,117 | | 8.00 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 12.17 | % | | 4,655,636 | | 8.50 | % | | 4,381,775 | | 8.00 | % | Total capital to risk-weighted assets: | | | | | | | | | | | | | | | | | Consolidated | | | 7,394,701 | | 13.49 | % | | 5,754,154 | | 10.50 | % | | 5,480,147 | | 10.00 | % | SouthState Bank (the Bank) | | | 7,266,907 | | 13.27 | % | | 5,751,080 | | 10.50 | % | | 5,477,219 | | 10.00 | % | Tier 1 capital to average assets (leverage ratio): | | | | | | | | | | | | | | | | | Consolidated | | | 6,096,084 | | 9.39 | % | | 2,596,800 | | 4.00 | % | | 3,246,000 | | 5.00 | % | SouthState Bank (the Bank) | | | 6,663,891 | | 10.28 | % | | 2,592,383 | | 4.00 | % | | 3,240,478 | | 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 | % |
As of June 30, 2026, and December 31, 2025, the capital ratios of the Company and the Bank were in excess of the minimum regulatory requirements and exceeded the thresholds for the “well capitalized” regulatory classification. For a description of the Company’s regulatory capital framework, refer to Note 24 and Item 1, “Business,” in the 2025 Form 10-K.
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