Total Assets
$67.2B
Total balance-sheet footings
FDIC Cert #33555 · Winter Haven, Florida · Est. 1992
SouthState Bank, National Association - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $67.2B
- Total assets
- A
- Health grade · Excellent
- 1.40%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
SouthState Bank, National Association earns a PlainBankData health grade of A (90/100), with well-capitalized at 12.54% Tier 1, profitable at 1.40% ROA, efficient (48% cost ratio).
- #41
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 12.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 69th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How SouthState Bank, National Association's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
SouthState Bank, National Association's composite health score
Tier 1 Capital Ratio (12.54%) 35/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (2.95%) 20/20
Efficiency Ratio (47.64%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$55.2B
Customer-funded liabilities
Net Loans
$48.4B
Outstanding loan book
Net Income
$867M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where SouthState Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SouthState Bank, National Association's score of 90/100 falls in the highlighted band.
SouthState Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SouthState Bank, National Association's $67.2B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.54%
Texas Ratio
2.95%
Equity Capital
$9.7B
Profitability metrics
Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
9.84%
Efficiency Ratio
47.64%
What the numbers say about SouthState Bank, National Association
SouthState Bank, National Association is an FDIC-insured institution (Certificate #33555) headquartered in Winter Haven, Florida, established in 1992. It holds $67.2B in total assets - 41st of 4,313 FDIC-insured banks, $55.2B in customer deposits, and $48.4B in net loans. Looking at capital strength, Tier 1 stands at 12.54%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.95%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (90/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
SouthState Bank, National Association's asset base places it among the largest FDIC-insured institutions in the country, 41st of 4,313 nationally, and 1st of 83 banks headquartered in Florida. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$3.4B
Interest Income
$634M
Non-Interest Income
$1.5B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. SouthState Bank, National Association reports a Texas Ratio of 2.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
National size peers: banks closest to SouthState Bank, National Association by assets
SouthState Bank, National Association is closely matched in total assets by Columbia Bank, Valley National Bank, CIBC Bank USA, Old National Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.94%, versus SouthState Bank, National Association's own 1.40%; the average efficiency ratio is 42.45%, versus 47.64% here; and average Tier 1 capital sits at 10.73%, versus 12.54% at SouthState Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $67.2B in assets, SouthState Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| SouthState Bank, National Association (this bank) | FL | $67.2B | 1.40% | 47.64% | 12.54% |
| Columbia Bank | OR | $66.8B | 1.00% | 55.35% | 12.32% |
| Valley National Bank | NJ | $64.1B | 0.99% | 53.71% | 12.46% |
| CIBC Bank USA | IL | $64.0B | 1.47% | 37.10% | 17.22% |
| Old National Bank | IN | $71.8B | 1.16% | 51.80% | 11.05% |
| Bank of China | NY | $61.9B | 0.00% | 0.00% | 0.00% |
| UMB Bank, National Association | MO | $72.8B | 1.01% | 56.76% | 11.34% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SouthState Bank, National Association (FDIC Cert #33555) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
| Emigrant BankMiami | $5.8B | A | 1.35% |
Frequently asked questions
What is SouthState Bank, National Association's health grade?▼
SouthState Bank, National Association receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is SouthState Bank, National Association?▼
SouthState Bank, National Association holds $67.2B in total assets and $55.2B in deposits, ranking 41st of 4,313 FDIC-insured banks by asset size. It is headquartered in Winter Haven, Florida.
Is my money safe at SouthState Bank, National Association?▼
Yes, deposits at SouthState Bank, National Association (Certificate #33555) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is SouthState Bank, National Association's Tier 1 Capital Ratio?▼
SouthState Bank, National Association has a Tier 1 Capital Ratio of 12.54%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for SouthState Bank, National Association?▼
SouthState Bank, National Association has a Texas Ratio of 2.95%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is SouthState Bank, National Association?▼
SouthState Bank, National Association has an Efficiency Ratio of 47.64%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read SouthState Bank, National Association's profile as a depositor or analyst.
- SouthState Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare SouthState Bank, National Association against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.