Capital Ratios (Tables)

9 Months Ended

Sep. 30, 2024

Capital Ratios

Schedule of actual and required capital ratios

									Required to be
					Minimum Capital				Considered Well
	Actual				Required – Basel III				Capitalized
(Dollars in thousands)	Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
September 30, 2024:
Common equity Tier 1 to risk-weighted assets:
Consolidated	$	4,430,297	12.37	%	$	2,506,088	7.00	%	$	2,327,081	6.50	%
SouthState Bank (the Bank)		4,702,224	13.15	%		2,503,356	7.00	%		2,324,544	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated		4,430,297	12.37	%		3,043,106	8.50	%		2,864,100	8.00	%
SouthState Bank (the Bank)		4,702,224	13.15	%		3,039,789	8.50	%		2,860,978	8.00	%
Total capital to risk-weighted assets:
Consolidated		5,271,150	14.72	%		3,759,131	10.50	%		3,580,125	10.00	%
SouthState Bank (the Bank)		5,152,981	14.41	%		3,755,033	10.50	%		3,576,222	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated		4,430,297	9.98	%		1,776,398	4.00	%		2,220,497	5.00	%
SouthState Bank (the Bank)		4,702,224	10.59	%		1,775,892	4.00	%		2,219,865	5.00	%
December 31, 2023:
Common equity Tier 1 to risk-weighted assets:
Consolidated	$	4,159,187	11.75	%	$	2,476,926	7.00	%	$	2,300,003	6.50	%
SouthState Bank (the Bank)		4,424,466	12.52	%		2,473,961	7.00	%		2,297,250	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated		4,159,187	11.75	%		3,007,696	8.50	%		2,830,773	8.00	%
SouthState Bank (the Bank)		4,424,466	12.52	%		3,004,096	8.50	%		2,827,384	8.00	%
Total capital to risk-weighted assets:
Consolidated		4,983,012	14.08	%		3,715,389	10.50	%		3,538,466	10.00	%
SouthState Bank (the Bank)		4,858,292	13.75	%		3,710,942	10.50	%		3,534,230	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated		4,159,187	9.42	%		1,765,295	4.00	%		2,206,619	5.00	%
SouthState Bank (the Bank)		4,424,466	10.03	%		1,764,736	4.00	%		2,205,921	5.00	%