SouthState Bank, National Association: how it compares with its peers
Against 38 U.S. banks with half to twice its assets, SouthState Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.86% vs. a 3.31% peer median). Its weakest relative measure is assets per employee ($10.7M vs. $12.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.23% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.31% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.65% | 53.38% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $12.8M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.87% | 83.60% | Context |
What it means for lending operations
Its efficiency ratio of 49.65% is better than the 53.38% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CIBC Bank USA Chicago, IL · $66.50B
- Valley National Bank Passaic, NJ · $66.23B
- UMB Bank, National Association Kansas City, MO · $71.90B
- Columbia Bank Roseburg, OR · $65.37B
- Old National Bank Evansville, IN · $73.86B
Questions about SouthState Bank, National Association
How big is SouthState Bank, National Association?
SouthState Bank, National Association, established in 1992, is headquartered in Winter Haven, FL. It reported $68.79B in total assets in its Q2 2026 FDIC call report and operates 373 offices.
What is SouthState Bank, National Association's return on assets?
1.42% annualized in Q2 2026, against a 1.23% median for 38 U.S. banks with half to twice its assets, ahead of 74% of them.
What is SouthState Bank, National Association's efficiency ratio?
49.65% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 53.38%, and lower is better.
Is SouthState Bank, National Association growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits grew 4.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.