BlastPoint's Banking Scorecard
SouthState Bank, National Association
Winter Haven, FL
374 branches across FL · SC · TX · GA · CO · NC · AL · VA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
- Deposits +4.0% year over year ($56.4B on the books).
- Delinquency rate 0.54%.
- Return on assets 1.42%.
- Efficiency ratio 49.65% vs a 53.67% peer average.
- Loan-to-deposit ratio 89.87% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
SouthState Bank, National Association has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.02% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.8B
+4.4% YoY
+1.4% QoQ
|
+$25.2B |
$43.6B
-13.8% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$50.7B
+7.9% YoY
+2.9% QoQ
|
+$22.7B |
$28.0B
-8.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
Top 14.4% in tier |
| Total Deposits ? |
$56.4B
+4.0% YoY
+0.8% QoQ
|
+$21.0B |
$35.4B
-14.0% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.42%
+23.4% YoY
+0.3% QoQ
|
+0.03% |
1.39%
+25.9% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.86%
-12.6% YoY
+0.5% QoQ
|
-0.06% |
3.92%
+8.9% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
49.65%
+5.9% YoY
-0.9% QoQ
|
-4.02% |
53.67%
-1.9% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.54%
-14.6% YoY
-11.7% QoQ
|
-0.47% |
1.01%
-2.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
89.87%
+3.7% YoY
+2.1% QoQ
|
+7.26% |
82.61%
+3.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
23.91%
-8.9% YoY
-2.4% QoQ
|
+3.32% |
20.58%
+4.9% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.42%
-15.1% YoY
-13.8% QoQ
|
-0.31% |
0.73%
+5.8% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.17%
-1.7% YoY
-1.3% QoQ
|
-3.18% |
15.35%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.31%
-51.0% YoY
+97.0% QoQ
|
-0.18% |
0.50%
+10.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
43% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.9%
-2.3pp YoY -0.6pp QoQ |
+2.9pp | 21.0% | 27.7% | 22.2% | 56% |
| Brokered Deposits |
8.7%
+2.7pp YoY +1.4pp QoQ |
-0.6pp | 9.2% | 8.7% | 8.5% | 68% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
+0.2pp YoY -0.4pp QoQ |
-3.1pp | 17.2% | 12.9% | 12.5% | 44% |
| CRE |
55.8%
-0.5pp YoY +0.3pp QoQ |
+13.8pp | 42.0% | 50.6% | 41.4% | 73% |
| 1-4 Family |
24.0%
0.0pp YoY +0.2pp QoQ |
+0.9pp | 23.1% | 30.7% | 31.3% | 59% |
| Consumer |
1.8%
-0.3pp YoY 0.0pp QoQ |
-11.0pp | 12.9% | 3.7% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
-0.2pp YoY -0.2pp QoQ |
-3.1pp | 15.3% | 19.8% | 19.7% | 27% |
| Leverage Ratio |
10.3%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 10.4% | 13.9% | 12.6% | 56% |
| Total Capital Ratio |
13.3%
-0.3pp YoY -0.2pp QoQ |
-3.2pp | 16.5% | 21.1% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6,430
+125 (+2.0%) YoY +40 (+0.6%) QoQ |
+3,172 | 3,258 | 295 | 482 | 89% |
| Assets per Employee ($) |
$10.7M
+2.4% YoY +0.7% QoQ |
-$16.3M | $27.0M | $10.3M | $8.8M | 38% |
| Branch Count |
374
+4 (+1.1%) YoY 0 QoQ |
+236 | 137 | 13 | 18 | 94% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.3% | 0.4% | 21% |
| Nonaccrual |
0.5%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.7% | 0.7% | 1.0% | 42% |
| Allowance Coverage |
2.14x
+2.5% YoY +10.2% QoQ |
-0.67x | 2.81x | 16.62x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
+1.8pp YoY +0.1pp QoQ |
-2.7pp | 12.6% | 9.3% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 2.0% | 1.8% | 1.7% | 33% |
| Net Income ($, YTD) |
$481.1M
+41.8% YoY — QoQ |
+$184.3M | $296.8M | $25.2M | $40.4M | 81% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.