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Southstate Bank, National Association
Winter Haven, FL · FDIC Certificate #33555 · Chartered 02/2
Total assets
$68.79B
Total deposits
$56.38B
Total equity
$9.70B
Net loans
$50.67B
Branches (offices)
349
Net income (YTD)
$481.11M
Rank: #41 of 4,213 U.S. banks by assets · #1 of 81 in Florida. Assets changed 4.4% and deposits 4.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 9.97% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 14.10% |
| Tier 1 leverage ratio | 10.28% |
| Uninsured deposits (share of deposits) | 37.8% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 89.9% |
| Real estate loans (share of loans) | 80.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.60B | 80.1% | |
| Commercial & industrial | $7.12B | 14.1% | |
| Consumer / individual | $934.04M | 1.8% | |
| Construction & development | $2.93B | 5.8% | |
| Agricultural | $23.18M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $45.75B | $38.52B | $230.10M | $5.34B |
| Jun 2023 | $44.93B | $36.86B | $279.56M | $5.57B |
| Jun 2024 | $45.48B | $37.20B | $262.87M | $5.94B |
| Jun 2025 | $65.87B | $54.20B | $339.30M | $9.38B |
| Jun 2026 | $68.79B | $56.38B | $481.11M | $9.70B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $18.84B | 93 |
| South Carolina | $11.65B | 82 |
| Georgia | $8.75B | 44 |
| Texas | $8.61B | 63 |
| Colorado | $3.49B | 31 |
| North Carolina | $2.19B | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $56.38B.
Similar-sized banks
Umb Bank, National Association ($71.90B) · Cibc Bank Usa ($66.50B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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