Capital Ratios (Tables)

3 Months Ended

Mar. 31, 2025

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
March 31, 2025:
Common equity Tier 1 to risk-weighted assets:
Consolidated	$	5,480,248	11.03	%	$	3,479,453	7.00	%	$	3,230,921	6.50	%
SouthState Bank (the Bank)		6,104,593	12.29	%		3,475,618	7.00	%		3,227,360	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated		5,480,248	11.03	%		4,225,051	8.50	%		3,976,518	8.00	%
SouthState Bank (the Bank)		6,104,593	12.29	%		4,220,393	8.50	%		3,972,135	8.00	%
Total capital to risk-weighted assets:
Consolidated		6,819,716	13.72	%		5,219,180	10.50	%		4,970,648	10.00	%
SouthState Bank (the Bank)		6,693,461	13.48	%		5,213,427	10.50	%		4,965,169	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated		5,480,248	8.91	%		2,461,151	4.00	%		3,076,439	5.00	%
SouthState Bank (the Bank)		6,104,593	9.92	%		2,460,474	4.00	%		3,075,592	5.00	%
December 31, 2024:
Common equity Tier 1 to risk-weighted assets:
Consolidated	$	4,547,314	12.62	%	$	2,522,926	7.00	%	$	2,342,717	6.50	%
SouthState Bank (the Bank)		4,817,945	13.38	%		2,520,065	7.00	%		2,340,060	6.50	%
Tier 1 capital to risk-weighted assets:
Consolidated		4,547,314	12.62	%		3,063,552	8.50	%		2,883,343	8.00	%
SouthState Bank (the Bank)		4,817,945	13.38	%		3,060,079	8.50	%		2,880,074	8.00	%
Total capital to risk-weighted assets:
Consolidated		5,391,194	14.96	%		3,784,388	10.50	%		3,604,179	10.00	%
SouthState Bank (the Bank)		5,271,725	14.64	%		3,780,097	10.50	%		3,600,093	10.00	%
Tier 1 capital to average assets (leverage ratio):
Consolidated		4,547,314	10.04	%		1,810,985	4.00	%		2,263,732	5.00	%
SouthState Bank (the Bank)		4,817,945	10.64	%		1,810,497	4.00	%		2,263,121	5.00	%