South State Bank Annual Report

We maintain the complete database with all recent information about South State Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All South State Bank data is relevant for May 2026.

4.58

Address

1101 1st Street S Winter Haven, FL 33880

FDIC Certificate ID

33555

Bank Charter Class

National Bank

Financial report South State Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992
September 30, 1992
June 30, 1992
March 31, 1992

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992
September 30, 1992
June 30, 1992
March 31, 1992

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992
September 30, 1992
June 30, 1992
March 31, 1992

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992
September 30, 1992
June 30, 1992
March 31, 1992

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003
March 31, 2003
December 31, 2002
September 30, 2002
June 30, 2002
March 31, 2002
December 31, 2001
September 30, 2001
June 30, 2001
March 31, 2001
December 31, 2000
September 30, 2000
June 30, 2000
March 31, 2000
December 31, 1999
September 30, 1999
June 30, 1999
March 31, 1999
December 31, 1998
September 30, 1998
June 30, 1998
March 31, 1998
December 31, 1997
September 30, 1997
June 30, 1997
March 31, 1997
December 31, 1996
September 30, 1996
June 30, 1996
March 31, 1996
December 31, 1995
September 30, 1995
June 30, 1995
March 31, 1995
December 31, 1994
September 30, 1994
June 30, 1994
March 31, 1994
December 31, 1993
September 30, 1993
June 30, 1993
March 31, 1993
December 31, 1992
September 30, 1992
June 30, 1992
March 31, 1992

2025
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2019
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Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

67,179,734

46,369,727

44,886,855

43,900,126

41,943,825

Cash & Balances due from depository institutions

3,147,567

1,391,629

995,456

1,185,901

6,830,400

Cash items in process of collection

555,140

503,389

499,549

520,832

452,245

Collection in domestic offices

329,934

320,307

323,173

331,210

199,744

Currency and coin in domestic offices

225,206

183,082

176,376

189,622

252,501

Balances due from depository institutions in U.S.

388,358

377,563

295,558

385,548

522,380

Balances due from foreign banks

2,221

2,837

1,940

2,217

519

Balances due from FRB

2,201,848

507,840

198,409

277,304

5,855,256

Total securities *

8,361,786

6,575,263

7,271,828

8,010,063

7,013,379

U.S. Government securities

7,081,834

5,325,335

6,009,492

6,669,949

6,181,859

U.S. Treasury securities

N/A

10,656

73,890

265,638

N/A

U.S. Government agency obligations

7,081,834

5,314,679

5,935,602

6,404,311

6,181,859

Securities issued by states & political subdivisions

1,007,412

945,723

977,462

1,064,852

812,689

Other domestic debt securities

272,540

304,205

284,874

275,262

18,831

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

N/A

Structured financial products - Total

250,681

277,604

258,033

242,529

N/A

Other domestic debt securities - All other

21,769

26,509

26,747

32,638

18,734

Foreign debt securities

N/A

Equity securities not held for trading

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

24,916

438

3,170

126,411

12,497

Net loans and leases

48,358,673

33,717,073

31,982,804

29,850,386

23,818,082

Loan and leases loss allowance**

585,197

465,280

456,573

356,444

301,807

Total loans and leases

48,943,870

34,182,353

32,439,377

30,206,830

24,119,889

Unearned income

N/A

Loans and leases, gross

N/A

24,119,889

All real estate loans

38,546,364

26,708,770

25,667,826

23,576,689

19,425,203

Real estate loans in domestic offices

38,546,364

26,708,770

25,667,826

23,576,689

19,425,203

Construction and development loans

2,491,788

2,156,872

2,895,545

2,843,215

2,027,996

Residential 1-4 family construction

576,703

382,155

684,249

883,608

644,344

Other construction, all land development and other land

1,915,085

1,774,717

2,211,296

1,959,607

1,383,652

Secured by nonfarm nonresidential properties

21,445,498

13,525,101

13,172,329

12,814,166

11,256,398

Nonfarm nonresidential secured by owner-occupied properties

7,574,302

5,712,370

5,480,707

5,449,886

4,970,806

Commercial real estate other non-farm non-residential

13,871,196

7,812,731

7,691,622

7,364,280

6,285,592

Multifamily residential real estate

2,820,209

1,588,885

886,306

708,682

443,106

1-4 family residential loans

11,612,192

9,357,731

8,630,793

7,106,670

5,583,811

Farmland loans

176,677

80,181

82,853

103,956

113,892

Loans held in foreign offices

N/A

Farm loans

23,944

7,512

8,248

8,748

11,131

Commercial and industrial loans

7,030,269

4,557,187

3,898,080

3,859,392

2,701,172

Loans to individuals

955,649

1,062,586

1,233,670

1,278,529

904,680

Credit card loans

N/A

41,824

42,566

31,813

N/A

Related Plans

73,697

31,120

37,350

40,468

32,286

Consumer Loans - Auto

208,122

253,305

310,573

351,762

297,000

Other loans to individuals

673,830

736,337

843,181

854,486

575,394

All other loans & leases*

2,387,644

1,846,298

1,631,553

1,483,472

1,077,703

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

923,859

790,554

738,119

712,705

645,174

Other loans

N/A

432,529

Lease financing receivables

99,661

26,164

4,994

N/A

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

110,183

263,303

200,506

241,479

486,465

Bank premises and fixed assets

994,176

505,827

531,598

538,389

568,077

Other real estate owned

8,771

2,154

837

1,023

2,736

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

8,771

2,154

837

1,023

2,736

Other real estate owned: 1-4 family residential

4,275

247

526

245

558

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

2,955

1,872

293

720

1,443

Other real estate owned:Construction & development

226

735

Other real estate owned: Farmland

1,315

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

3,564,417

2,079,359

2,097,046

2,126,166

1,774,772

Goodwill

3,094,059

1,923,106

1,581,085

Mortgage servicing assets

84,032

89,796

85,164

86,610

65,620

All other assets

N/A

1,437,417

Liabilities and Capital

Total liabilities and capital

67,179,734

46,369,727

44,886,855

43,900,126

41,943,825

Total Liabilities

57,509,815

40,208,681

39,088,478

38,539,260

36,911,461

Total deposits

55,223,931

38,171,079

37,163,969

36,446,864

35,140,717

Deposits held in domestic offices

55,223,931

38,171,079

37,163,969

36,446,864

35,140,717

Individuals, partnerships, and corporations

N/A

32,708,602

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

2,430,647

Commercial banks and other depository institutions in U.S.

N/A

1,467

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

55,223,931

38,171,079

37,163,969

36,446,864

35,140,717

Transaction accounts

28,366,355

19,191,074

19,149,797

22,576,914

6,817,822

Nontransaction accounts

26,857,576

18,980,005

18,014,172

13,869,950

28,322,894

Money market deposit accounts (MMDAs)

16,677,722

12,400,111

11,132,007

7,985,613

22,162,273

Other savings deposits (excluding MMDAs)

2,820,621

2,414,172

2,632,212

3,464,351

3,350,547

Total time deposits

7,359,234

4,165,722

4,249,953

2,419,987

2,810,076

Federal funds purchased and repurchase agreements

618,215

514,912

489,184

556,417

781,239

Trading liabilities

7,388

912,630

817,168

1,040,361

457,841

N/A - idobrmtg

N/A

3,039

Subordinated debt

N/A

All other liabilities

N/A

528,625

Total equity capital

9,669,919

6,161,046

5,798,377

5,360,866

5,032,364

Bank equity capital

9,669,919

6,161,046

5,798,377

5,360,866

5,032,364

Perpetual preferred stock

N/A

Common stock

2,498

Surplus

7,809,971

5,006,187

4,321,354

Undivided profits

1,857,450

1,152,361

789,692

352,181

708,512

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

302,095

210,589

182,701

108,575

80,281

Income earned, not collected on loans

233,266

163,402

154,400

134,594

90,069

Earning assets

59,419,750

41,261,829

39,773,908

38,655,887

37,275,644

Long-term assets (5+ years)

20,630,979

18,778,991

20,127,745

19,776,550

15,234,098

Average total assets

62,110,315.4

45,587,381.4

44,718,766.2

44,387,638.6

40,054,473

Average assets, quarterly

66,603,827.5

46,220,618.5

44,931,383

44,153,260

41,365,461.5

Total risk weighted assets adjusted

51,786,803

36,000,927

35,342,303

34,530,474

27,185,053

Adjusted average assets for leverage capital purposes

63,562,215

45,262,413

44,118,410

43,408,245

39,680,309

Life insurance assets

1,293,574

1,013,209

991,454

964,708

783,049

General account life insurance assets

865,354

637,136

655,107

630,195

484,175

Separate account life insurance assets

Hybrid life insurance assets

428,172

376,025

336,300

334,463

298,800

Volatile liabilities

2,765,043

1,641,978

1,529,782

1,027,727

1,420,448

Insider loans

21,259

17,122

13,560

23,811

27,146

FHLB advances

N/A

100,000

N/A

Loans and leases held for sale

345,343

279,426

50,888

28,968

191,723

Unused loan commitments

13,050,711

8,885,423

9,626,865

11,109,259

7,416,312

Tier one (core) capital

6,496,379

4,817,945

4,424,466

4,074,045

3,431,069

Tier 2 Risk-based capital

585,661

453,780

433,826

307,291

163,030

Total unused commitments

13,050,711

8,885,423

9,626,865

11,109,259

7,416,312

Derivatives

32,535,561

28,676,602

24,581,684

20,989,660

21,790,747