SouthState Bank Q3 2026 profit falls to $224M

The board's $0.66 quarterly cash dividend has a November 6 record date and November 13 payment date.

Rhea-AI Filing Summary

SouthState Bank Corporation reported third-quarter 2026 net income of $223.8 million, compared with $246.6 million a year earlier; diluted earnings per share were $2.30 versus $2.42. Net interest income was $591.5 million, up 3% from the prior quarter, while net interest margin was 3.77%. Net charge-offs totaled $12 million, or 0.09% of average loans, and provision for credit losses was $20.3 million. Nine-month net income was $679.6 million, compared with $550.9 million in 2025.

As of September 30, 2026, loans were $52.1 billion, up 9% year over year, and deposits were $57.6 billion, up 7%; the ending loan-to-deposit ratio was 90%. Tangible book value per share was $58.19, 7% higher year over year, after SouthState raised the dividend by 10% and repurchased nearly 5% of its shares over the past year. The board declared a $0.66 quarterly cash dividend, payable November 13, 2026, to shareholders of record November 6, 2026. SouthState also repurchased 250,000 shares during the quarter at a weighted average price of $104.45.

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Positive

• Moderate pointNine-month net income reached $679.6 million, versus $550.9 million.
• Moderate pointQuarterly dividend increased 10% to $0.66 per share.

Negative

• Moderate pointThird-quarter net income declined to $223.8 million from $246.6 million.

8-K Event Classification

4 items: 2.02, 7.01, 8.01, 9.01

4 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income: $223.8 million Net income: $679.6 million Diluted earnings per share: $2.30 +5 more

8 metrics

Net income $223.8 million Three months ended September 30, 2026; $246.6 million in the same period of 2025

Net income $679.6 million Nine months ended September 30, 2026; $550.9 million in the same period of 2025

Diluted earnings per share $2.30 Three months ended September 30, 2026; $2.42 in the same period of 2025

Total loans $52.1 billion Ending balance September 30, 2026; up 9% year over year

Total deposits $57.6 billion Ending balance September 30, 2026; up 7% year over year

Tangible book value per share (non-GAAP) $58.19 Third quarter 2026; up 7% year over year

Quarterly cash dividend $0.66 per share Declared for the fourth quarter of 2026; payable November 13, 2026

Shares repurchased 250,000 shares Third quarter 2026; weighted average price of $104.45 per share

Key Terms

Net Interest Margin, Provision for Credit Losses, Allowance for Credit Losses, Tangible Book Value

4 terms

Net Interest Margin financial

"Net Interest Margin (“NIM”), non-tax equivalent"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Provision for Credit Losses financial

"Provision for Credit Losses (“PCL”)"

Provision for credit losses is an amount set aside by a financial institution to cover potential future losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution manage risks and stay financially healthy. For investors, it signals how cautious a lender is about potential loan defaults and can impact the company's profitability and financial stability.

Allowance for Credit Losses financial

"Allowance for Credit Losses (“ACL”) plus reserve"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Tangible Book Value financial

"Tangible Book Value (“TBV”) per Share"

Tangible book value is the accounting measure of a company’s net worth after removing intangible items like goodwill, patents and trademarks, leaving only physical and financial assets minus liabilities. For investors it offers a clearer view of the company’s hard-asset backing per share—like estimating the cash you could get by selling the furniture, machinery and cash in a house—helping gauge downside risk and whether a stock may be cheaply valued.

Earnings Snapshot

Net income: $223.8 million

Third quarter 2026

Net income $223.8 million Compared with $246.6 million in the third quarter of 2025

Diluted earnings per share $2.30 Compared with $2.42 in the third quarter of 2025

Net interest income $591.5 million Increased 3% compared with the prior quarter

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did SSB earn in the third quarter of 2026?

SouthState reported third-quarter 2026 net income of $223.8 million and diluted EPS of $2.30. Net income was $246.6 million and diluted EPS was $2.42 in the third quarter of 2025.

What dividend did SSB declare, and when is it payable?

SouthState declared a $0.66 quarterly cash dividend, payable November 13, 2026, to shareholders of record November 6, 2026.

When is SSB's third-quarter 2026 earnings call?

SouthState scheduled its third-quarter 2026 results conference call for October 22, 2026, at 9 a.m. Eastern Time.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/21/2026 - 04:11 PM EDT Accepted by SEC EDGAR 10/21/2026 - 04:07 PM EDT Learn about SEC filing dates

0000764038false00007640382026-10-212026-10-21

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 21, 2026

SOUTHSTATE BANK CORPORATION

(Exact name of Registrant as Specified in Its Charter)

Florida			001-12669	39-3424417
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
1101 First Street South, Suite 202
Winter Haven, Florida				33880
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 863 293-4710

Not Applicable

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $2.50 par value		SSB		The New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On October 21, 2026, SouthState Bank Corporation (“SouthState” or the “Company”) issued a press release announcing its financial results for the three- and nine-month periods ended September 30, 2026, along with certain other financial information. Copies of the Company’s press release and presentation are attached as Exhibit 99.1 and 99.2, respectively, to this report and incorporated herein by reference.

SouthState will host a conference call on October 22, 2026 at 9 a.m. (ET) to discuss the Company’s third quarter 2026 results. Investors may call in (toll free) by dialing (833) 461-5787 within the U.S. (passcode 728284222; host: Will Matthews, CFO). The numbers for international participants are listed at https://help.events.q4inc.com/eahc/international-dial-in-numbers. Participants may also pre-register for the conference by navigating to https://events.q4inc.com/attendee/728284222. Access detail will be provided via email upon completion of registration.

Item 7.01 Regulation FD Disclosure.

On October 21, 2026, the Company also made available the presentation (“Presentation”) prepared for use with the press release during the earnings conference call on October 22, 2026. Attached hereto and incorporated herein as Exhibit 99.2 is the text of that presentation.

The information contained in this Item 7.01 of this Current Report, including the information set forth in the Presentation filed as Exhibit 99.2 to, and incorporated in, this Current Report, is being "furnished" and shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 8.01 Other Events.

Fourth Quarter 2026 Shareholder Dividend

The Board of Directors of the Company declared a quarterly cash dividend on its common stock of $0.66 per share, payable on November 13, 2026 to shareholders of record as of November 6, 2026.

Item 9.01 Financial Statements and Exhibits.

Exhibit Number		Description
99.1		Press Release, dated October 21, 2026
99.2		Presentation for SouthState Bank Corporation Earnings Call
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Cautionary Statement Regarding Forward Looking Statements

Statements included in this communication contain forward looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of management of SouthState Bank Corporation (“SouthState”) and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward looking statements.

Factors that could cause SouthState’s actual results to differ materially from those described in the forward looking statements are discussed in SouthState’s Annual Report on Form 10 K for the year ended December 31, 2025, filed with the Securities and Exchange Commission and available on SouthState’s website (https://southstatecorporation.q4ir.com/SEC-Filings/Documents/default.aspx), and on the Securities and Exchange Commission's website (www.sec.gov). SouthState undertakes no obligation to update any forward looking statements.

2

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			SouthState Bank Corporation
			(Registrant)
Date:	October 21, 2026	By:	/s/ William E. Matthews, V
			William E. Matthews, V Senior Executive Vice President and Chief Financial Officer

3

Exhibit 99.1

SouthState Bank Corporation Reports Third Quarter 2026 Results Declares Quarterly Cash Dividend	For Immediate Release
	Media Contact
	Jackie Smith, 803.231.3486

WINTER HAVEN, FL – October 21, 2026 – SouthState Bank Corporation (“SouthState” or the “Company”) (NYSE: SSB) today released its unaudited results of operations and other financial information for the three-month and nine-month periods ended September 30, 2026.

“The third quarter was marked by strong balance sheet growth and a stable net interest margin,” said John C. Corbett, SouthState’s chief executive officer. “Loans and deposits each grew at a 9% annualized rate, with growth broad-based across our geographies and business lines, and boosted by the bankers we've added over the past year. Asset quality remains favorable, and while capital markets activity softened as treasury yields rose, the core franchise continues to perform well.”

Highlights of the third quarter of 2026 include:

Returns

•Reported diluted Earnings per Share (“EPS”) and Adjusted Diluted EPS (Non-GAAP) of $2.30

•Net Income of $224 million

•Return on Average Common Equity of 9.7%; Return on Average Tangible Common Equity (Non-GAAP) of 16.6%*

•Return on Average Assets (“ROAA”) of 1.29%*

•Book Value per Share of $93.51

•Tangible Book Value (“TBV”) per Share (Non-GAAP) of $58.19, an increase of 7% year over year, after raising the dividend by 10%, and repurchasing nearly 5% of the Company’s shares over the past year

Performance

•Net Interest Income of $592 million, an increase of $16 million, or 3%, compared to the prior quarter

•Noninterest Income of $94 million, compared to $97 million in the prior quarter; Noninterest Income represented 0.54%* of average assets, compared to 0.57%* in the prior quarter

•Noninterest Expense of $375 million, an increase of $17 million compared to the prior quarter primarily due to an increase in salaries and employee benefits expense; compensation expense increases were due to July 1 merit increases, successful execution of the revenue producer hiring initiative, higher incentive accruals, and a reduction in deferred loan costs compared to the prior quarter

•Net Interest Margin (“NIM”), non-tax equivalent and tax equivalent (Non-GAAP), of 3.77% and 3.78%, respectively; loan accretion income of $27 million, a decrease of $6 million compared to the prior quarter and a decrease of $56 million year over year

•Net charge-offs totaled $12 million, or 0.09%* of average loans

•$20 million of Provision for Credit Losses (“PCL”); total Allowance for Credit Losses (“ACL”) plus reserve for unfunded commitments of 1.29% of loans

•Efficiency Ratio of 52%

Balance Sheet

•Loans increased by $1.2 billion, or 9%*, compared to the prior quarter and increased by $4.4 billion, or 9%, year over year; deposits increased by $1.3 billion, or 9%*, and increased by $3.6 billion, or 7%, year over year; ending loan to deposit ratio of 90%

•Total deposit cost of 1.80%, up 0.04% from the prior quarter

•Repurchased a total of 250,000 shares during the quarter at a weighted average price of $104.45

•Strong capital position with Tangible Common Equity, Total Risk-Based Capital, Tier 1 Leverage, and Tier 1 Common Equity ratios of 8.4%, 13.5%, 9.4%, and 11.1%, respectively†

Subsequent Events

•The Board of Directors of the Company declared a quarterly cash dividend on its common stock of $0.66 per share, payable on November 13, 2026 to shareholders of record as of November 6, 2026

∗ Annualized percentages

† Preliminary

Financial Performance

		Three Months Ended																									Nine Months Ended
(Dollars in thousands, except per share data)		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,					Sep. 30,					Sep. 30,
INCOME STATEMENT		2026					2026					2026					2025					2025					2026					2025
Interest Income
Loans, including fees (1)		$		772,100			$		744,652			$		721,571			$		748,106			$		782,382			$		2,238,322			$		2,253,471
Investment and trading securities, federal funds sold
and securities purchased under agreements to resell				92,756					93,607					95,258					100,640					99,300					281,622					277,281
Total interest income				864,856					838,259					816,829					848,746					881,682					2,519,944					2,530,752
Interest Expense
Deposits				256,051					244,216					238,522					250,189					257,271					738,789					744,820
Federal funds purchased, securities sold under
agreements to repurchase, and other borrowings				17,287					18,094					16,702					17,442					24,714					52,083					63,740
Total interest expense				273,338					262,310					255,224					267,631					281,985					790,872					808,560
Net Interest Income				591,518					575,949					561,605					581,115					599,697					1,729,072					1,722,192
Provision for credit losses ("PCL")				20,345					15,919					10,808					6,605					5,085					47,072					113,152
Net Interest Income after PCL				571,173					560,030					550,797					574,510					594,612					1,682,000					1,609,040
Noninterest Income
Operating income				93,911					96,726					100,098					105,753					99,086					290,735					271,523
Securities losses, net				—					—					—					—					—					—					(228,811	)
Gain on sale leaseback, net of transaction costs				—					—					—					—					—					—					229,279
Total noninterest income				93,911					96,726					100,098					105,753					99,086					290,735					271,991
Noninterest Expense
Operating expense				374,763					357,749					359,524					364,196					351,453					1,092,036					1,042,955
Merger, branch consolidation, severance related,
and other expense (8)				—					—					—					4,494					20,889					—					113,274
FDIC special assessment				—					—					—					(3,835	)				—					—					—
Total noninterest expense				374,763					357,749					359,524					364,855					372,342					1,092,036					1,156,229
Income before Income Tax Provision				290,321					299,007					291,371					315,408					321,356					880,699					724,802
Income tax provision				66,523					68,985					65,551					67,686					74,715					201,059					173,857
Net Income		$		223,798			$		230,022			$		225,820			$		247,722			$		246,641			$		679,640			$		550,945
Adjusted Net Income (non-GAAP) (2)
Net Income (GAAP)		$		223,798			$		230,022			$		225,820			$		247,722			$		246,641			$		679,640			$		550,945
Securities losses, net of tax				—					—					—					—					—					—					178,639
Gain on sale leaseback, net of transaction costs
and tax				—					—					—					—					—					—					(179,004	)
Initial provision for credit losses - Non-PCD loans
and UFC from Independent, net of tax				—					—					—					—					—					—					71,892
Merger, branch consolidation, severance related,
and other expense, net of tax (8)				—					—					—					3,529					16,032					—					87,719
Deferred tax asset remeasurement				—					—					—					—					—					—					5,581
FDIC special assessment, net of tax				—					—					—					(3,012	)				—					—					—
Adjusted Net Income (non-GAAP)		$		223,798			$		230,022			$		225,820			$		248,239			$		262,673			$		679,640			$		715,772
Basic earnings per common share		$		2.31			$		2.36			$		2.29			$		2.48			$		2.44			$		6.96			$		5.43
Diluted earnings per common share		$		2.30			$		2.35			$		2.28			$		2.46			$		2.42			$		6.93			$		5.41
Adjusted net income per common share - Basic
(non-GAAP) (2)		$		2.31			$		2.36			$		2.29			$		2.48			$		2.60			$		6.96			$		7.06
Adjusted net income per common share - Diluted
(non-GAAP) (2)		$		2.30			$		2.35			$		2.28			$		2.47			$		2.58			$		6.93			$		7.03
Dividends per common share		$		0.66			$		0.60			$		0.60			$		0.60			$		0.60			$		1.86			$		1.68
Basic weighted-average common shares
outstanding				96,922,986					97,300,899					98,544,242					100,063,315					101,218,431					97,583,437					101,373,803
Diluted weighted-average common shares
outstanding				97,429,305					97,676,767					98,922,258					100,618,796					101,735,095					98,001,720					101,807,090
Effective tax rate				22.91	%				23.07	%				22.50	%				21.46	%				23.25	%				22.83	%				23.99	%

2

Performance and Capital Ratios

		Three Months Ended																									Nine Months Ended
		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,					Sep. 30,				Sep. 30,
		2026					2026					2026					2025					2025					2026				2025
PERFORMANCE RATIOS
Return on average assets (annualized)				1.29		%			1.36		%			1.37		%			1.47		%			1.49		%		1.34		%		1.14		%
Adjusted return on average assets (annualized) (non-GAAP) (2)				1.29		%			1.36		%			1.37		%			1.48		%			1.59		%		1.34		%		1.48		%
Return on average common equity (annualized)				9.70		%			10.19		%			10.11		%			10.90		%			11.04		%		10.00		%		8.50		%
Adjusted return on average common equity (annualized) (non-GAAP) (2)				9.70		%			10.19		%			10.11		%			10.92		%			11.75		%		10.00		%		11.05		%
Return on average tangible common equity (annualized) (non-GAAP) (3)				16.60		%			17.62		%			17.59		%			19.10		%			19.62		%		17.26		%		15.80		%
Adjusted return on average tangible common equity (annualized) (non-GAAP) (2) (3)				16.60		%			17.62		%			17.59		%			19.14		%			20.81		%		17.26		%		20.10		%
Efficiency ratio (tax equivalent)				51.61		%			50.00		%			51.05		%			49.65		%			49.88		%		50.89		%		54.35		%
Adjusted efficiency ratio (non-GAAP) (4)				51.61		%			50.00		%			51.05		%			49.56		%			46.89		%		50.89		%		48.68		%
Dividend payout ratio (5)				28.60		%			25.31		%			26.12		%			24.23		%			24.59		%		26.66		%		30.89		%
Book value per common share		$		93.51			$		94.17			$		92.21			$		91.38			$		89.14
Tangible book value per common share (non-GAAP) (3)		$		58.19			$		58.72			$		56.90			$		56.27			$		54.48
CAPITAL RATIOS
Equity-to-assets				12.8		%			13.3		%			13.3		%			13.5		%			13.6		%
Tangible equity-to-tangible assets (non-GAAP) (3)				8.4		%			8.7		%			8.6		%			8.8		%			8.8		%
Tier 1 leverage (6)				9.4		%			9.4		%			9.4		%			9.3		%			9.4		%
Tier 1 common equity (6)				11.1		%			11.1		%			11.3		%			11.4		%			11.5		%
Tier 1 risk-based capital (6)				11.1		%			11.1		%			11.3		%			11.4		%			11.5		%
Total risk-based capital (6)				13.5		%			13.5		%			13.7		%			13.8		%			14.0		%

3

Balance Sheet

		Ending Balance
(Dollars in thousands, except per share and share data)		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,
BALANCE SHEET		2026					2026					2026					2025					2025
Assets
Cash and due from banks		$		527,622			$		649,079			$		598,218			$		583,375			$		582,792
Federal funds sold and interest-earning deposits with banks				2,446,996					1,701,233					2,268,864					2,589,108					2,561,663
Cash and cash equivalents				2,974,618					2,350,312					2,867,082					3,172,483					3,144,455
Trading securities, at fair value				141,534					191,094					117,590					110,183					107,519
Investment securities:
Securities held to maturity				1,905,299					1,955,754					2,007,249					2,048,030					2,096,727
Securities available for sale, at fair value				6,393,309					6,598,177					6,530,348					6,313,756					6,042,800
Other investments				407,172					366,986					370,924					353,428					366,218
Total investment securities				8,705,780					8,920,917					8,908,521					8,715,214					8,505,745
Loans held for sale				296,835					405,441					327,935					345,343					346,673
Loans:
Purchased credit deteriorated				2,454,067					2,658,792					2,818,360					2,977,499					3,160,359
Purchased non-credit deteriorated				9,291,111					9,921,791					10,714,489					11,232,414					11,877,828
Non-acquired				40,307,915					38,266,289					35,963,934					34,388,614					32,629,724
Less allowance for credit losses				(588,918	)				(586,664	)				(585,882	)				(585,197	)				(590,133	)
Loans, net				51,464,175					50,260,208					48,910,901					48,013,330					47,077,778
Premises and equipment, net				992,295					992,594					993,584					994,176					961,510
Bank owned life insurance				1,321,036					1,311,197					1,302,382					1,293,574					1,285,532
Mortgage servicing rights				101,990					91,442					90,018					84,032					84,491
Core deposit and other intangibles				322,589					343,424					364,686					386,326					409,890
Goodwill				3,094,059					3,094,059					3,094,059					3,094,059					3,094,059
Other assets				1,024,753					949,340					1,002,465					988,692					1,030,558
Total assets		$		70,439,664			$		68,910,028			$		67,979,223			$		67,197,412			$		66,048,210
Liabilities and Shareholders' Equity
Deposits:
Noninterest-bearing		$		13,445,715			$		13,451,094			$		13,650,799			$		13,375,697			$		13,430,459
Interest-bearing				44,192,566					42,898,716					42,224,864					41,770,100					40,642,810
Total deposits				57,638,281					56,349,810					55,875,663					55,145,797					54,073,269
Federal funds purchased and securities
sold under agreements to repurchase				498,173					569,486					643,386					618,215					594,092
Other borrowings				996,855					996,749					696,642					696,536					696,429
Reserve for unfunded commitments				82,299					76,525					69,229					69,619					68,538
Other liabilities				2,176,723					1,785,990					1,663,387					1,608,137					1,604,756
Total liabilities				61,392,331					59,778,560					58,948,307					58,138,304					57,037,084
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares				241,894					242,428					244,844					247,845					252,723
Surplus				6,233,566					6,247,484					6,332,285					6,480,471					6,647,952
Retained earnings				3,111,483					2,951,691					2,779,896					2,614,173					2,426,463
Accumulated other comprehensive loss				(539,610	)				(310,135	)				(326,109	)				(283,381	)				(316,012	)
Total shareholders' equity				9,047,333					9,131,468					9,030,916					9,059,108					9,011,126
Total liabilities and shareholders' equity		$		70,439,664			$		68,910,028			$		67,979,223			$		67,197,412			$		66,048,210
Common shares issued and outstanding				96,757,601					96,971,142					97,937,653					99,138,204					101,089,231

4

Net Interest Income and Margin

		Three Months Ended
		Sep. 30, 2026														Jun. 30, 2026														Sep. 30, 2025
(Dollars in thousands)		Average					Income/					Yield/				Average					Income/					Yield/				Average					Income/					Yield/
YIELD ANALYSIS		Balance					Expense					Rate				Balance					Expense					Rate				Balance					Expense					Rate
Interest-Earning Assets:
Federal funds sold and interest-earning deposits with banks		$		1,226,660			$		9,861				3.19	%		$		1,386,864			$		12,236				3.54	%		$		2,212,239			$		23,271				4.17	%
Investment securities				9,265,691					82,895				3.55	%				9,213,359					81,371				3.54	%				8,624,670					76,029				3.50	%
Loans held for sale				249,878					4,274				6.79	%				286,422					4,602				6.44	%				289,884					5,067				6.93	%
Total loans held for investment				51,475,218					767,826				5.92	%				50,247,114					740,050				5.91	%				47,600,317					777,315				6.48	%
Total interest-earning assets				62,217,447					864,856				5.51	%				61,133,759					838,259				5.50	%				58,727,110					881,682				5.96	%
Noninterest-earning assets				6,577,077														6,694,407														6,762,434
Total Assets		$		68,794,524												$		67,828,166												$		65,489,544
Interest-Bearing Liabilities ("IBL"):
Transaction and money market accounts		$		32,634,509			$		189,191				2.30	%		$		32,098,340			$		180,220				2.25	%		$		29,623,457			$		187,627				2.51	%
Savings deposits				2,794,029					1,655				0.24	%				2,817,269					1,638				0.23	%				2,879,488					1,940				0.27	%
Certificates and other time deposits				7,493,938					65,205				3.45	%				7,184,745					62,358				3.48	%				7,310,133					67,704				3.67	%
Federal funds purchased				266,686					2,455				3.65	%				289,337					2,616				3.63	%				331,707					3,640				4.35	%
Repurchase agreements				260,312					1,319				2.01	%				293,341					1,477				2.02	%				281,395					1,527				2.15	%
Other borrowings				791,385					13,513				6.77	%				851,660					14,001				6.59	%				974,992					19,547				7.95	%
Total interest-bearing liabilities				44,240,859					273,338				2.45	%				43,534,692					262,310				2.42	%				41,401,172					281,985				2.70	%
Noninterest-bearing deposits				13,500,596														13,521,146														13,541,840
Other noninterest-bearing liabilities				1,898,722														1,719,228														1,679,124
Shareholders' equity				9,154,347														9,053,100														8,867,408
Total Non-IBL and shareholders' equity				24,553,665														24,293,474														24,088,372
Total Liabilities and Shareholders' Equity		$		68,794,524												$		67,828,166												$		65,489,544
Net Interest Income and Margin (Non-Tax Equivalent)							$		591,518				3.77	%							$		575,949				3.78	%							$		599,697				4.05	%
Net Interest Margin (Tax Equivalent) (non-GAAP)													3.78	%													3.78	%													4.06	%
Total Deposit Cost (without Debt and Other Borrowings)													1.80	%													1.76	%													1.91	%
Overall Cost of Funds (including Demand Deposits)													1.88	%													1.84	%													2.04	%
Total Accretion on Acquired Loans (1)							$		26,642												$		33,054												$		82,976
Tax Equivalent ("TE") Adjustment							$		769												$		751												$		718

•The remaining loan discount on acquired loans to be accreted into loan interest income totals $159.3 million as of September 30, 2026.

5

Noninterest Income and Expense

		Three Months Ended																									Nine Months Ended
		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,					Sep. 30,					Sep. 30,
(Dollars in thousands)		2026					2026					2026					2025					2025					2026					2025
Noninterest Income:
Fees on deposit accounts		$		42,811			$		41,568			$		38,699			$		41,950			$		42,572			$		123,078			$		116,374
Mortgage banking income				5,630					4,890					11,016					5,158					5,462					21,536					19,135
Trust and investment services income				15,838					15,164					14,471					14,684					14,157					45,473					43,508
Correspondent banking and capital markets income				20,124					24,839					24,427					30,638					25,522					69,390					61,398
Expense on centrally-cleared variation margin				(5,560	)				(4,028	)				(3,000	)				(3,167	)				(4,318	)				(12,588	)				(16,882	)
Total correspondent banking and capital markets income				14,564					20,811					21,427					27,471					21,204					56,802					44,516
Bank owned life insurance income				9,929					9,624					9,494					9,633					10,597					29,047					29,949
Other				5,139					4,669					4,991					6,857					5,094					14,799					18,041
Securities losses, net				—					—					—					—					—					—					(228,811	)
Gain on sale leaseback, net of transaction costs				—					—					—					—					—					—					229,279
Total Noninterest Income		$		93,911			$		96,726			$		100,098			$		105,753			$		99,086			$		290,735			$		271,991
Noninterest Expense:
Salaries and employee benefits		$		217,237			$		205,377			$		205,653			$		202,714			$		199,148			$		628,267			$		595,121
Occupancy expense				44,136					43,878					42,302					42,567					40,874					130,316					117,874
Information services expense				29,968					29,136					29,704					30,443					28,988					88,808					90,505
OREO and loan related expense				3,106					952					4,378					867					5,427					8,436					9,506
Business development and staff related				10,877					10,639					11,362					13,485					8,907					32,877					22,600
Amortization of intangibles				20,628					21,041					21,304					23,417					23,426					62,973					71,305
Professional fees				5,898					5,090					5,239					7,410					4,994					16,227					14,361
FDIC assessment and other regulatory charges				10,911					10,753					10,257					9,884					8,374					31,921					31,101
Advertising and marketing				4,178					3,836					3,325					4,710					2,980					11,339					8,280
Other operating expenses				27,824					27,047					26,000					28,699					28,335					80,872					82,302
Merger, branch consolidation, severance related and other expense (8)				—					—					—					4,494					20,889					—					113,274
FDIC special assessment				—					—					—					(3,835	)				—					—					—
Total Noninterest Expense		$		374,763			$		357,749			$		359,524			$		364,855			$		372,342			$		1,092,036			$		1,156,229

6

Loans and Deposits

The following table presents a summary of the loan portfolio by type:

		Ending Balance
(Dollars in thousands)		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,
LOAN PORTFOLIO (7)		2026					2026					2026					2025					2025
Construction and land development * †		$		2,917,132			$		2,982,968			$		2,592,908			$		2,548,360			$		2,678,971
Investor commercial real estate*				19,079,859					18,656,455					18,298,938					17,883,913					17,603,205
Commercial owner occupied real estate				7,951,811					7,852,391					7,671,535					7,576,991					7,529,075
Commercial and industrial				9,804,607					9,378,444					9,385,926					9,181,408					8,644,636
Consumer real estate *				11,343,405					11,034,102					10,573,897					10,450,223					10,202,026
Consumer/other				956,279					942,512					973,579					957,632					1,009,998
Total Loans		$		52,053,093			$		50,846,872			$		49,496,783			$		48,598,527			$		47,667,911

* Single family home construction-to-permanent loans originated by the Company’s mortgage banking division are included in construction and land development category until completion. Investor commercial real estate loans include commercial non-owner occupied real estate and other income producing property. Consumer real estate includes consumer owner occupied real estate and home equity loans.

† Includes single family home construction-to-permanent loans of $370.5 million, $358.4 million, $360.4 million, $342.8 million, and $350.2 million, for the quarters ended September 30, 2026, June 30, 2026, March 31, 2036, December 31, 2025, and September 30, 2025, respectively.

		Ending Balance
(Dollars in thousands)		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,
DEPOSITS		2026					2026					2026					2025					2025
Noninterest-bearing checking		$		13,445,715			$		13,451,094			$		13,650,799			$		13,375,697			$		13,430,459
Interest-bearing checking				14,323,722					14,710,312					14,119,614					13,838,558					12,906,408
Savings				2,775,607					2,796,845					2,841,408					2,820,621					2,853,410
Money market				18,741,198					17,531,137					18,014,140					17,751,688					17,251,469
Time deposits				8,352,039					7,860,422					7,249,702					7,359,233					7,631,523
Total Deposits		$		57,638,281			$		56,349,810			$		55,875,663			$		55,145,797			$		54,073,269

7

Asset Quality

		Ending Balance
		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,
(Dollars in thousands)		2026					2026					2026					2025					2025
NONPERFORMING ASSETS:
Non-acquired
Non-acquired nonaccrual loans and restructured loans on nonaccrual		$		159,465			$		171,264			$		177,158			$		161,975			$		146,751
Accruing loans past due 90 days or more				3,642					2,961					6,915					2,997					4,352
Non-acquired OREO and other nonperforming assets				11,939					11,722					8,339					5,273					11,969
Total non-acquired nonperforming assets				175,046					185,947					192,412					170,245					163,072
Acquired
Acquired nonaccrual loans and restructured loans on nonaccrual				124,870					99,352					116,002					135,179					149,695
Accruing loans past due 90 days or more				6,987					835					1,986					1,944					891
Acquired OREO and other nonperforming assets				3,867					1,254					18,155					3,901					7,147
Total acquired nonperforming assets				135,724					101,441					136,143					141,024					157,733
Total nonperforming assets		$		310,770			$		287,388			$		328,555			$		311,269			$		320,805

		Three Months Ended
		Sep. 30,					Jun. 30,					Mar. 31,					Dec. 31,					Sep. 30,
		2026					2026					2026					2025					2025
ASSET QUALITY RATIOS (7):
Allowance for credit losses as a percentage of loans				1.13	%				1.15	%				1.18	%				1.20	%				1.24	%
Allowance for credit losses, including reserve for unfunded commitments,
as a percentage of loans				1.29	%				1.30	%				1.32	%				1.35	%				1.38	%
Allowance for credit losses as a percentage of nonperforming loans				199.66	%				213.79	%				193.96	%				193.71	%				195.61	%
Net charge-offs as a percentage of average loans (annualized)				0.09	%				0.06	%				0.09	%				0.09	%				0.27	%
Total nonperforming assets as a percentage of total assets				0.44	%				0.42	%				0.48	%				0.46	%				0.49	%
Nonperforming loans as a percentage of period end loans				0.57	%				0.54	%				0.61	%				0.62	%				0.63	%

8

Current Expected Credit Losses (“CECL”)

Below is a table showing the roll forward of the ACL and UFC for the third quarter of 2026:

		Allowance for Credit Losses ("ACL") and Unfunded Commitments ("UFC")
(Dollars in thousands)		Non-PCD ACL					PCD ACL					Total ACL					UFC
Ending balance 6/30/2026		$		526,492			$		60,172			$		586,664			$		76,525
Charge offs				(10,354	)				—					(10,354	)			N/A
Acquired charge offs				(1,708	)				(5,663	)				(7,371	)			N/A
Recoveries				2,459					—					2,459				N/A
Acquired recoveries				1,017					1,932					2,949				N/A
Provision for credit losses				11,942					2,629					14,571					5,774
Ending balance 9/30/2026		$		529,848			$		59,070			$		588,918			$		82,299
Period end loans		$		49,599,026			$		2,454,067			$		52,053,093				N/A
Allowance for Credit Losses to Loans				1.07	%				2.41	%				1.13	%			N/A
Unfunded commitments (off balance sheet) †																	$		13,392,711
Reserve to unfunded commitments (off balance sheet)																			0.61	%

† Unfunded commitments exclude unconditionally cancelable commitments and letters of credit.

9

Conference Call

The Company will host a conference call to discuss its third quarter results at 9:00 a.m. Eastern Time on October 22, 2026. Callers wishing to participate may call toll-free by dialing (833) 461-5787 within the US. The numbers for international participants are listed at https://help.events.q4inc.com/eahc/international-dial-in-numbers. The conference ID number is 728284222. Alternatively, individuals may listen to the live webcast of the presentation by visiting SouthStateBank.com. A replay of the live webcast is expected to be available by the evening of October 22, 2026 on the Investor Relations section of SouthStateBank.com.

SouthState is a financial services company headquartered in Winter Haven, Florida. SouthState Bank, N.A., the company’s nationally chartered bank subsidiary, provides consumer, commercial, mortgage and wealth management solutions to more than 1.8 million customers throughout Florida, Texas, the Carolinas, Georgia, Colorado, Alabama, Virginia and Tennessee. The bank also serves clients nationwide through its correspondent banking division. Additional information is available at SouthStateBank.com.

###

Non-GAAP Measures

Statements included in this press release include non-GAAP measures and should be read along with the accompanying tables that provide a reconciliation of non-GAAP measures to GAAP measures. Although other companies may use calculation methods that differ from those used by SouthState for non-GAAP measures, management believes that these non-GAAP measures provide additional useful information, which allows readers to evaluate the ongoing performance of the Company. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP.

(Dollars in thousands)		Three Months Ended
PRE-PROVISION NET REVENUE ("PPNR") (NON-GAAP)		Sep. 30, 2026						Jun. 30, 2026						Mar. 31, 2026						Dec. 31, 2025						Sep. 30, 2025
Net income (GAAP)		$		223,798				$		230,022				$		225,820				$		247,722				$		246,641
Provision for credit losses				20,345						15,919						10,808						6,605						5,085
Income tax provision				66,523						68,985						65,551						67,686						74,715
Merger, branch consolidation, severance related and other expense (8)				—						—						—						4,494						20,889
FDIC special assessment				—						—						—						(3,835	)					—
Pre-provision net revenue (PPNR) (Non-GAAP)		$		310,666				$		314,926				$		302,179				$		322,672				$		347,330

(Dollars in thousands)		Three Months Ended
NET INTEREST MARGIN ("NIM"), TE (NON-GAAP)		Sep. 30, 2026						Jun. 30, 2026						Mar. 31, 2026						Dec. 31, 2025						Sep. 30, 2025
Net interest income (GAAP)		$		591,518				$		575,949				$		561,605				$		581,115				$		599,697
Total average interest-earning assets				62,217,447						61,133,759						60,201,176						59,872,113						58,727,110
NIM, non-tax equivalent				3.77		%				3.78		%				3.78		%				3.85		%				4.05		%
Tax equivalent adjustment (included in NIM, TE)				769						751						760						800						718
Net interest income, tax equivalent (Non-GAAP)		$		592,287				$		576,700				$		562,365				$		581,915				$		600,415
NIM, TE (Non-GAAP)				3.78		%				3.78		%				3.79		%				3.86		%				4.06		%

10

		Three Months Ended																														Nine Months Ended
(Dollars in thousands, except per share data)		Sep. 30,						Jun. 30,						Mar. 31,						Dec. 31,						Sep. 30,						Sep. 30,						Sep. 30,
RECONCILIATION OF GAAP TO NON-GAAP		2026						2026						2026						2025						2025						2026						2025
Adjusted Net Income (non-GAAP) (2)
Net income (GAAP)		$		223,798				$		230,022				$		225,820				$		247,722				$		246,641				$		679,640				$		550,945
Securities losses, net of tax				—						—						—						—						—						—						178,639
Gain on sale leaseback, net of transaction costs and tax				—						—						—						—						—						—						(179,004	)
PCL - Non-PCD loans and UFC, net of tax				—						—						—						—						—						—						71,892
Merger, branch consolidation, severance related and other expense,
net of tax (8)				—						—						—						3,529						16,032						—						87,719
Deferred tax asset remeasurement				—						—						—						—						—						—						5,581
FDIC special assessment, net of tax				—						—						—						(3,012	)					—						—						—
Adjusted net income (non-GAAP)		$		223,798				$		230,022				$		225,820				$		248,239				$		262,673				$		679,640				$		715,772
Adjusted Net Income per Common Share - Basic (non-GAAP) (2)
Earnings per common share - Basic (GAAP)		$		2.31				$		2.36				$		2.29				$		2.48				$		2.44				$		6.96				$		5.43
Effect to adjust for securities losses, net of tax				—						—						—						—						—						—						1.76
Effect to adjust for gain on sale leaseback, net of transaction costs and tax				—						—						—						—						—						—						(1.77	)
Effect to adjust for PCL - Non-PCD loans and UFC, net of tax				—						—						—						—						—						—						0.71
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—						—						—						0.03						0.16						—						0.87
Effect to adjust for deferred tax asset remeasurement				—						—						—						—						—						—						0.06
Effect to adjust for FDIC special assessment, net of tax				—						—						—						(0.03	)					—						—						—
Adjusted net income per common share - Basic (non-GAAP)		$		2.31				$		2.36				$		2.29				$		2.48				$		2.60				$		6.96				$		7.06
Adjusted Net Income per Common Share - Diluted (non-GAAP) (2)
Earnings per common share - Diluted (GAAP)		$		2.30				$		2.35				$		2.28				$		2.46				$		2.42				$		6.93				$		5.41
Effect to adjust for securities losses, net of tax				—						—						—						—						—						—						1.75
Effect to adjust for gain on sale leaseback, net of transaction costs and tax				—						—						—						—						—						—						(1.76	)
Effect to adjust for PCL - Non-PCD loans and UFC, net of tax				—						—						—						—						—						—						0.71
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—						—						—						0.04						0.16						—						0.86
Effect to adjust for deferred tax remeasurement				—						—						—						—						—						—						0.05
Effect to adjust for FDIC special assessment, net of tax				—						—						—						(0.03	)					—						—						—
Adjusted net income per common share - Diluted (non-GAAP)		$		2.30				$		2.35				$		2.28				$		2.47				$		2.58				$		6.93				$		7.03
Adjusted Return on Average Assets (non-GAAP) (2)
Return on average assets (GAAP)				1.29		%				1.36		%				1.37		%				1.47		%				1.49		%				1.34		%				1.14		%
Effect to adjust for securities losses, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				0.37		%
Effect to adjust for gain on sale leaseback, net of transaction costs and tax				—		%				—		%				—		%				—		%				—		%				—		%				(0.37	)	%
Effect to adjust for PCL - Non-PCD loans and UFC, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				0.15		%
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—		%				—		%				—		%				0.03		%				0.10		%				—		%				0.18		%
Effect to adjust for deferred tax remeasurement				—		%				—		%				—		%				—		%				—		%				—		%				0.01		%
Effect to adjust for FDIC special assessment, net of tax				—		%				—		%				—		%				(0.02	)	%				—		%				—		%				—		%
Adjusted return on average assets (non-GAAP)				1.29		%				1.36		%				1.37		%				1.48		%				1.59		%				1.34		%				1.48		%
Adjusted Return on Average Common Equity (non-GAAP) (2)
Return on average common equity (GAAP)				9.70		%				10.19		%				10.11		%				10.90		%				11.04		%				10.00		%				8.50		%
Effect to adjust for securities losses, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				2.76		%
Effect to adjust for gain on sale leaseback, net of transaction costs and tax				—		%				—		%				—		%				—		%				—		%				—		%				(2.76	)	%
Effect to adjust for PCL - Non-PCD loans and UFC, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				1.11		%
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—		%				—		%				—		%				0.15		%				0.71		%				—		%				1.35		%
Effect to adjust for deferred tax remeasurement				—		%				—		%				—		%				—		%				—		%				—		%				0.09		%
Effect to adjust for FDIC special assessment, net of tax				—		%				—		%				—		%				(0.13	)	%				—		%				—		%				—		%
Adjusted return on average common equity (non-GAAP)				9.70		%				10.19		%				10.11		%				10.92		%				11.75		%				10.00		%				11.05		%
Return on Average Common Tangible Equity (non-GAAP) (3)
Return on average common equity (GAAP)				9.70		%				10.19		%				10.11		%				10.90		%				11.04		%				10.00		%				8.50		%
Effect to adjust for intangible assets				6.90		%				7.43		%				7.48		%				8.20		%				8.58		%				7.26		%				7.30		%
Return on average tangible equity (non-GAAP)				16.60		%				17.62		%				17.59		%				19.10		%				19.62		%				17.26		%				15.80		%
Adjusted Return on Average Common Tangible Equity (non-GAAP) (2) (3)
Return on average common equity (GAAP)				9.70		%				10.19		%				10.11		%				10.90		%				11.04		%				10.00		%				8.50		%
Effect to adjust for securities losses, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				2.76		%
Effect to adjust for gain on sale leaseback, net of transaction costs and tax				—		%				—		%				—		%				—		%				—		%				—		%				(2.76	)	%
Effect to adjust for PCL - Non-PCD loans and UFC, net of tax				—		%				—		%				—		%				—		%				—		%				—		%				1.11		%
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—		%				—		%				—		%				0.15		%				0.71		%				—		%				1.35		%
Effect to adjust for deferred tax remeasurement				—		%				—		%				—		%				—		%				—		%				—		%				0.09		%
Effect to adjust for FDIC special assessment, net of tax				—		%				—		%				—		%				(0.13	)	%				—		%				—		%				—		%

11

		Three Months Ended																														Nine Months Ended
(Dollars in thousands, except per share data)		Sep. 30,						Jun. 30,						Mar. 31,						Dec. 31,						Sep. 30,						Sep. 30,						Sep. 30,
RECONCILIATION OF GAAP TO NON-GAAP		2026						2026						2026						2025						2025						2026						2025
Effect to adjust for intangible assets, net of tax				6.90		%				7.43		%				7.48		%				8.22		%				9.06		%				7.26		%				9.05		%
Adjusted return on average common tangible equity (non-GAAP)				16.60		%				17.62		%				17.59		%				19.14		%				20.81		%				17.26		%				20.10		%
Adjusted Efficiency Ratio (non-GAAP) (4)
Efficiency ratio				51.61		%				50.00		%				51.05		%				49.65		%				49.88		%				50.89		%				54.35		%
Effect to adjust for securities losses				—		%				—		%				—		%				—		%				—		%				—		%				(5.01	)	%
Effect to adjust for gain on sale leaseback, net of transaction costs				—		%				—		%				—		%				—		%				—		%				—		%				5.01		%
Effect to adjust for merger, branch consolidation, severance related
and other expense, net of tax (8)				—		%				—		%				—		%				(0.65	)	%				(2.99	)	%				—		%				(5.67	)	%
Effect to adjust for FDIC special assessment				—		%				—		%				—		%				0.56		%				—		%				—		%				—		%
Adjusted efficiency ratio (non-GAAP)				51.61		%				50.00		%				51.05		%				49.56		%				46.89		%				50.89		%				48.68		%
Tangible Book Value Per Common Share (non-GAAP) (3)
Book value per common share (GAAP)		$		93.51				$		94.17				$		92.21				$		91.38				$		89.14
Effect to adjust for intangible assets				(35.32	)					(35.45	)					(35.31	)					(35.11	)					(34.66	)
Tangible book value per common share (non-GAAP)		$		58.19				$		58.72				$		56.90				$		56.27				$		54.48
Tangible Equity-to-Tangible Assets (non-GAAP) (3)
Equity-to-assets (GAAP)				12.84		%				13.25		%				13.28		%				13.48		%				13.64		%
Effect to adjust for intangible assets				(4.44	)	%				(4.55	)	%				(4.64	)	%				(4.72	)	%				(4.83	)	%
Tangible equity-to-tangible assets (non-GAAP)				8.40		%				8.70		%				8.64		%				8.76		%				8.81		%

Certain prior period information has been reclassified to conform to the current period presentation, and these reclassifications have no impact on net income or equity as previously reported.

Footnotes to tables:

(1)Includes loan accretion (interest) income related to the discount on acquired loans of $26.6 million, $33.1 million, $38.8 million, $50.3 million, and $83.0 million during the quarters ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025, respectively, and $98.5 million and $208.3 million during the nine months ended September 30, 2026 and 2025, respectively.

(2)Adjusted earnings, adjusted return on average assets, adjusted EPS, and adjusted return on average equity are non-GAAP measures and exclude the gains or losses on sales of securities, gain on sale leaseback, net of transaction costs, PCL on non-PCD loans and unfunded commitments, deferred tax asset remeasurement, merger, branch consolidation, severance related and other expense, and FDIC special assessments. Management believes that non-GAAP adjusted measures provide additional useful information that allows readers to evaluate the ongoing performance of the Company. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP. Adjusted earnings and the related adjusted return measures (non-GAAP) exclude the following from net income (GAAP) on an after-tax basis: (a) pre-tax merger, branch consolidation, severance related and other expense of $4.5 million and $20.9 million for the quarters ended December 31, 2025 and September 30, 2025, respectively, and $113.3 million during the nine months ended September 30, 2025; (b) pre-tax net securities losses of $(228.8) million for the nine months ended September 30, 2025; (c) pre-tax gain on sale leaseback, net of transaction costs of $229.3 million for the nine months ended September 30, 2025; (d) pre-tax PCL on non-PCD loans and unfunded commitments of $92.1 million for the nine months ended September 30, 2025; (e) pre-tax FDIC special assessment of $(3.8) million for the quarter ended December 31, 2025; and (f) deferred tax asset remeasurement of $5.6 million for the nine months ended September 30, 2025.

(3)The tangible measures are non-GAAP measures and exclude the effect of period end or average balance of intangible assets. The tangible returns on equity and common equity measures also add back the after-tax amortization of intangibles to GAAP basis net income. Management believes that these non-GAAP tangible measures provide additional useful information, particularly since these measures are widely used by industry analysts for companies with prior merger and acquisition activities. Non-GAAP measures should not be considered as an alternative to any measure of performance or financial condition as promulgated under GAAP, and investors should consider the Company's performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the Company's results or financial condition as reported under GAAP. The sections titled "Reconciliation of GAAP to Non-GAAP" provide tables that reconcile GAAP measures to non-GAAP.

(4)Adjusted efficiency ratio is calculated by taking the noninterest expense excluding transaction costs on merger, branch consolidation, severance related and other expenses, FDIC special assessment, and amortization of intangible assets, divided by net interest income and noninterest income excluding gains (losses) on sales of securities, net, and gain on sale leaseback, net of transaction costs. The pre-tax amortization expenses of intangible assets were $20.6 million, $21.0 million, $21.3 million, $23.4 million, and $23.4 million for the quarters ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025, respectively, and $63.0 million and $71.3 million for the nine months ended September 30, 2026 and 2025, respectively.

(5)The dividend payout ratio is calculated by dividing total dividends paid during the period by the total net income for the same period.

(6)September 30, 2026 ratios are estimated and may be subject to change pending the final filing of the FR Y-9C; all other periods are presented as filed.

(7)Loan data excludes loans held for sale.

(8)Includes pre-tax cyber incident net reimbursement of $(3.5) million for the nine months ended September 30, 2025.

12

Cautionary Statement Regarding Forward Looking Statements

Statements included in this communication contain forward looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of management of SouthState Bank Corporation (“SouthState”) and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward looking statements.

Factors that could cause SouthState’s actual results to differ materially from those described in the forward looking statements are discussed in SouthState’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the Securities and Exchange Commission and available on SouthState’s website (https://southstatecorporation.q4ir.com/SEC-Filings/Documents/default.aspx), and on the Securities and Exchange Commission's website (www.sec.gov). SouthState undertakes no obligation to update any forward looking statements.

13

3Q 2026 Earnings Presentation October 22, 2026 Exhibit 99.2

VALUE PROPOSITION 2 For end note descriptions, see Earnings Presentation End Notes starting on slide 29. 344 Branch Locations $70B Assets $58BDeposits $10B Market Cap 6,000+ Team Members Local Leadership Model Driving Durable Results Long-Term Track Record of Shareholder Value Creation Premier Deposit Franchise Regional bank leader with scale Operating in the Best Growth Markets Top quartile TSR through 20 years of cycles Shoot where the ducks are flying VALUE PROPOSITION Above peer results over the short, medium, and long-term

Fort Collins Denver Dallas Austin Houston Birmingham Richmond Charleston Atlanta Augusta Savannah Jacksonville Miami Orlando Winter Haven Tampa Greenville Charlotte PREMIER DEPOSIT FRANCHISE(1) 1.80% Cost of Deposits $58B Deposits $41K Average Balance 1.4M Deposit Accounts 1 3 For end note descriptions, see Earnings Presentation End Notes starting on slide 29. Texas Triangle $9B Deposits #4 Regional Bank ATL-CLT Corridor $15B Deposits #3 Regional Bank Coastal South $9B Deposits #1 Regional Bank Central Florida $15B Deposits #3 Regional Bank Front Range $4B Deposits #2 Regional Bank

OPERATING IN THE BEST GROWTH MARKETS 4 2 Leading Growth Characteristics… … Support Superior Growth Projected HHI Growth(1) Projected Population Growth(1) Deposits per Share CAGR – Last 5 Years (non-GAAP)(3) Loans per Share CAGR – Last 5 Years (non-GAAP)(3) For end note descriptions, see Earnings Presentation End Notes starting on slide 29. (2) (2) (2) (2)

Local Leadership Model Driving Durable Results 5 3 Local Leadership Model Leading Long-Term Operating Results(1) Top-performing bank in employee engagement and client satisfaction Average consumer relationship is 10+ years Bankers are empowered to make decisions based on local market knowledge Incentive system structured to drive P&L alignment 21 division presidents provide localized decision-making driving tailored client outcomes Cost of Deposits Adjusted ROAA (non-GAAP)(2) NCOs / Avg. Loans(3) Sustained Superior Profitability … …With Consistently Low Funding Costs vs. Peers… …And Superior Credit Peer Median For end note descriptions, see Earnings Presentation End Notes starting on slide 29. Recognized as a top‑quartile leader in consumer banking client experience, earning a J.D. Power Net Promoter Score of 49, exceeding the top‑quartile threshold of 46 among the Top 50 largest U.S. banks by assets. Recognized as a top‑quartile performer in commercial banking client experience, achieving a Coalition Greenwich Net Promoter Score of 64, surpassing the top‑quartile threshold of 60 among large U.S. banks. Recognized as a top-decile performer (86% engagement) in the Financial Services benchmark for employee engagement, compared to approximately 150 other financial services organizations who use CultureAmp. J.D. Power 1-year 5-year Average 20-year Average 1-year 5-year Average 20-year Average 1-year 5-year Average 20-year Average

LONG-TERM TRACK RECORD OF SHAREHOLDER VALUE CREATION 6 4 Track Record of Profitable & Prudent Growth TBVPS CAGR – Last 20 Years EPS CAGR – Last 20 Years Total Shareholder Returns Annualized TSR – Last 20 Years vs. Peers For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

2026 FOCUS Expanding sales force Driving meaningful balance sheet growth Share repurchases supported by robust earnings Leveraging AI to drive speed and scale 2026 FOCUS

Quarterly Results

3Q26 QUARTERLY HIGHLIGHTS(1) Dollars in millions, except per share data, or as otherwise noted For end note descriptions, see Earnings Presentation End Notes starting on slide 29. 3Q26 3Q25 Reported(†) Reported / Adjusted(†) Net Income $ 224 $ 247 / $ 263 PPNR $ 311 $ 326 / $ 347 EPS (Diluted) $ 2.30 $ 2.42 / $ 2.58 ROA* 1.29% 1.49% / 1.59% ROATCE* 16.60% 19.62% / 20.81% NIM (non-TE/TE)* 3.77% / 3.78% 4.05% / 4.06% Accretion on Acquired Loans $27 $83 Efficiency Ratio 52% 50% / 47% CET 1 Ratio 11.1% 11.5% ROA of 1.29%* Loans increased $1.2 billion, or 9%* Deposits increased $1.3 billion, or 9%* Stable credit with net charge-offs of 9 bps* Repurchased 250,000 shares Tangible Book Value per Share (Non-GAAP)(4) increased 7% year over year

LOAN PRODUCTION AND NET LOAN GROWTH TREND Dollars in millions For end note descriptions, see Earnings Presentation End Notes starting on slide 29. (1) (1)

NET INTEREST MARGIN(1) Dollars in millions For end note descriptions, see Earnings Presentation End Notes starting on slide 29. Accretion income $83 $50 $39 $33 $27 CDI amortization (23) (23) (21) (21) (21) Net Impact $60 $27 $18 $12 $6 Net Impact of Purchase Accounting (1)

NONINTEREST INCOME Amounts may not total due to rounding. For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

Balance Sheet

TOTAL LOAN PORTFOLIO For end note descriptions, see Earnings Presentation End Notes starting on slide 29. Loan Type No. of Loans Balance Avg. Loan Balance Investor CRE 11,016 $ 19.1B $ 1,731,600 Consumer RE 51,344 11.3B 220,900 C & I 22,782 9.8B 430,500 Owner-Occupied CRE 8,765 8.0B 907,200 Constr., Dev. & Land 3,404 2.9B 857,000 Cons / Other 44,236 1.0B 21,600 Total 141,547 $ 52.1B $ 367,700 Loans by Type Total Loans $52.1 Billion

PREMIUM DEPOSIT FRANCHISE Total Deposits $57.6 Billion Deposits by Type Granular, Low-cost Core Deposit Base 1.4 million total deposit accounts ~1.1M consumer accounts with $18K average balance and over 10-year average relationship ~0.3M commercial accounts with $119K average balance and ~8-year average relationship 64% commercial, 36% consumer deposits by balance For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

Credit

ASSET QUALITY METRICS & LOAN LOSS RESERVE For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

$2.3B 3.2% of Assets CLASSIFIED ASSET SUMMARY (SUBSTANDARD & NONACCRUAL) For end note descriptions, see Earnings Presentation End Notes starting on slide 29. Investor CRE: WA LTV of 56% with >98% current; average balance of $6.0M OOCRE: WA LTV of 54% with >92% current; average balance of $1.0M C&I: >84% current; average balance of $0.5M 87% of classified loans are accruing, 97% of which are current Investor CRE $M Wtd Avg LTV (1) (2) % Current Multifamily $758 55% 99.1% Warehouse/Industrial $160 54% Retail $105 55% 87.6% Office $95 68% 97.8% Self Storage $83 55% 100.0% Other $103 56% 98.8% Total $1,304 56% 98.2% 99.8%

MINIMAL EXPOSURE TO NDFIs – 3Q26 $0.8B 1.6% of loans NDFI % of Total Loans NDFI % of Total Capital 2nd lowest NDFI exposure among peers in terms of total loans and total capital Private Equity portfolio consists of capital call lines: 100% bank underwritten, 50% average advance rate Consumer credit intermediaries are primarily in-market consumer finance companies Business credit intermediaries are primarily equipment finance and leasing Other Loans to NDFIs are primarily Insurance and Wealth Management For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

Capital

STRONG CAPITAL POSITION AND RETURNS For end note descriptions, see Earnings Presentation End Notes starting on slide 29. LTM net payout of 75% Key Highlights Since 3Q25 4.7% of shares repurchased 10% increase in dividend to $0.66 per share 7% growth in tangible book value per share(2)

Appendix

23

POPULATION MIGRATION TO THE SOUTH CONTINUES 24 For end note descriptions, see Earnings Presentation End Notes starting on slide 29.

GenAI Knowledge Assistant AI at SouthState Microsoft Copilot Adoption Internal Efficiencies Customer Experience Experimentation Chat interface for policy & procedure questions Launched in early 2025 Integrated in daily workflow 1.8K+ average questions answered per day Call prep for bankers (in pilot) Citizen agentic development Commercial loan onboarding Virtual call center agent New account & maintenance reviews Debit card disputes Consumer loan document preparation Marketing: New AI-ready website with enhanced generative engine optimization (GEO) Increased personalization in customer outreach Content generation efficiencies Call Center: Real-time reference material suggestions to agent during live calls Customer call sentiment monitoring Call quality checks & wrap-up Voice & call fraud detection Automated Credit Spreads ~90% performed by AI Code Development - 80% of monthly code is AI-assisted BSA Sanctions Review – 38% reduction in response time Factoring Invoice Review – 20% increase in accuracy & 75% reduction in employee time allocation Wealth Management estate planning – 50% reduction in fulfillment time 4,200+ active users 16K+ average prompts per day Team Support: Weekly office hours Hands-on workshops Required & optional training 25

Dollars in billions, unless otherwise noted; data as of September 30, 2026; Amounts may not total due to rounding. For end note descriptions, see Earnings Presentation End Notes starting on slide 29. HIGH QUALITY INVESTMENT PORTFOLIO Type AFS HTM Type Balance Duration (yrs)(3,4) Balance Duration (yrs)(4) Agency MBS(1) $4.8B 4.0 $1.7B 6.0 Municipal 1.0B 8.6 — — Treasury, Agency & SBA 0.5B 2.4 0.2B 5.2 Corporates 0.02B 0.3 — — Total $6.4B 4.7 $1.9B 5.9 Total Investment Portfolio† $8.3 Billion

NON-GAAP RECONCILIATIONS (UNAUDITED) Dollars in thousands, except per share data * Quarter-to-date tax equivalent net interest margin is annualized. Adjustments were applied consistently across all periods included in the 1 year, 5‑year and 20‑year averages.

NON-GAAP RECONCILIATIONS (UNAUDITED) Dollars and weighted average commons share outstanding in thousands, except per share data * Quarter-to-date return on average tangible common equity, adjusted return on average assets, and average tangible common equity are annualized. Adjustments were applied consistently across all periods included in the 1 year, 5‑year and 20‑year averages.

EARNINGS PRESENTATION END NOTES Slide 2 End Notes Financial data as of September 30, 2026; Market data as of October 20, 2026 Slide 3 End Notes Source: S&P Global Market Intelligence, Company Filings; Depository data as of June 30, 2026 and includes all MSAs in each region. Note: Regional bank market rank reflects U.S. banks <$250B assets as of June 30, 2026 with a $1B deposit cap per branch. Slide 4 End Notes Source: S&P Global Market Intelligence, Company Filings; Financial data as of December 31, 2025; Depository data as of June 30, 2026 Note: Peers as disclosed in the most recent proxy statement, excluding acquired companies (CADE, CMA, SNV, WBS) Projected growth shown as the percent growth 2026 – projected 2031 and reflects weighted average growth by MSA Regional competitors include top 10 ranked U.S. banks with <$250B assets in our states of operation as of December 31, 2025 based on a $1B deposit cap per branch. The compounded annual growth rates for loans and deposits per share for the Company and Peer Group were calculated with loans and deposits as the numerator and outstanding shares as the denominator as of the most recent quarter for each respective period as reported by S&P Global. Slide 5 End Notes Source: Coalition Greenwich Voice of the Client® – Commercial Banking, 2025., J.D. Power 2025 U.S. Retail Banking Satisfaction Study (NPS®), CultureAmp Benchmarks, 2025, and S&P Global Market Intelligence, Company Filings; Financial data as of December 31, 2025 Note: Peers as disclosed in the most recent proxy statement, excluding acquired companies (CADE, CMA, SNV, WBS) 1-year reflects 2025 annual results, 5-year average reflects average of 2021 – 2025 annual results, 20-year average reflects average of 2006 – 2025 annual results. Adjusted return excludes the impact of certain items, including but not limited to losses on sales of securities, gain on sale leaseback, net of transaction costs, PCL on non-PCD loans and unfunded commitments, FDIC special assessment, deferred tax asset remeasurement and merger, branch consolidation, severance related and other restructuring expenses, net of tax; See reconciliation of GAAP to Non-GAAP measures in Appendix; Peer adjusted return on average assets is a non GAAP financial measure derived from publicly disclosed peer information and reflects adjustments made by peer institutions, including but not limited to merger related costs, restructuring charges, and other items identified by peer management as affecting comparability. Peer adjusted results may not be comparable across companies due to differences in items adjusted, definitions, and methodologies. The Company has not independently calculated or audited peer adjustments. Excluding acquisition date charge-offs of $17.3 million and $39.4 million recorded during the quarters ended June 30, 2025 and March 31, 2025, respectively, in connection with the Independent merger, to conform with the Company’s charge-off policies and practice Slide 6 End Notes Source: S&P Global Market Intelligence, FactSet, Company Filings; Financial data as of December 31, 2025; Market data as of September 30, 2026 Note: Peers as disclosed in the most recent proxy statement, excluding acquired companies (CADE, CMA, SNV, WBS); BKX index excludes trust and investment banks; TSR is calculated since September 30, 2006 and growth metrics are calculated based on December 31, 2005 financials.

EARNINGS PRESENTATION END NOTES Slide 9 End Notes * : Annualized percentages † : Where only one figures is presented, reported and adjusted results are equal or differences are not meaningful due to rounding; for adjusted results, see reconciliation of GAAP to Non-GAAP measures in Appendix. a. Adjusted earnings, adjusted return on average assets, and adjusted diluted EPS are non-GAAP measures and exclude the impact of merger, branch consolidation, severance related and other restructuring expenses, net of tax; Adjusted efficiency ratio is calculated by taking the noninterest expense excluding merger, branch consolidation and severance related expenses and amortization of intangible assets - See reconciliation of GAAP to Non-GAAP measures in Appendix. b. Adjusted PPNR is a non-GAAP financial measure that excludes the impact merger, branch consolidation, severance related and other restructuring expenses - See reconciliation of GAAP to Non-GAAP measures in Appendix. c. Tax equivalent NIM is a Non-GAAP financial measure - See reconciliation of GAAP to Non-GAAP measures in Appendix. d. The tangible measures are non-GAAP measures and exclude the effect of period end or average balance of intangible assets. The tangible returns on common equity measures also add back the after-tax amortization of intangibles to GAAP basis net income; other adjusted figures presented are also Non-GAAP financial measures that exclude the impact of merger, branch consolidation, severance related and other restructuring expenses, net of tax - See reconciliation of GAAP to Non-GAAP measures in Appendix. Slide 10 End Notes Preliminary; excludes loans held for sale; loan production indicates committed balance total; loan portfolio growth indicates quarter-over-quarter loan ending balance growth, excluding loans held for sale. Slide 11 End Notes Tax equivalent NIM is a Non-GAAP financial measure - See reconciliation of GAAP to Non-GAAP measures in Appendix. Slide 12 End Notes Annualized Interest on centrally-cleared variation margin (expense or income) is included in ARC revenue within Correspondent Banking and Capital Markets Income. Slide 14 End Notes Data as of September 30, 2026 Loan portfolio balances, average balances or percentage exclude loans held for sale; Amounts may not total due to rounding. CDL includes residential construction, commercial construction, and all land development loans. Investor CRE includes nonowner-occupied CRE and other income producing property. Slide 15 End Notes Data as of September 30, 2026 Slide 17 End Notes Unamortized discount on acquired loans was $159 million, $186 million, 219 million, $259 million, and $310 million for the quarters ended September 30, 2026, June 30, 2026, March 31, 2026, December 31, 2025, and September 30, 2025, respectively.

EARNINGS PRESENTATION END NOTES Slide 18 End Notes Weighted average LTVs exclude loans on non-accrual. Slide 19 End Notes Note: Peers as disclosed in the most recent proxy statement, excluding acquired companies (CADE, CMA, SNV, WBS) Slide 21 End Notes Preliminary The tangible measures are non-GAAP measures and exclude the effect of period end intangible assets - See reconciliation of GAAP to Non-GAAP measures in Appendix. Slide 24 End Notes Sources: U.S. Census Bureau Slide 26 End Notes † Investment portfolio excludes non-marketable equity. MBS issued by U.S. government agencies or sponsored enterprises (commercial and residential collateral) Investment securities yield include non-marketable equity and trading securities. Excludes principal receivable balance as of September 30, 2026. Based on current book value

This presentation contains forward looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of management of SouthState Bank Corporation (“SouthState”) and are subject to significant risks and uncertainties. Actual results may differ materially from those set forth in the forward looking statements. Factors that could cause SouthState’s actual results to differ materially from those described in the forward looking statements are discussed in SouthState’s Annual Report on Form 10 K for the year ended December 31, 2025, filed with the Securities and Exchange Commission and available on SouthState’s website (https://southstatecorporation.q4ir.com/SEC-Filings/Documents/default.aspx), and on the Securities and Exchange Commission's website (www.sec.gov). SouthState undertakes no obligation to update any forward looking statements. CAUTIONARY NOTE REGARDING FORWARD LOOKING STATEMENTS

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