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Examined: Sat, 25 Apr 2026 19:38:09 GMT

SouthState Bank, National Association

RSSD 1929247 · FL · Total assets $67,180M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
3
1 finding
S
Sensitivity
2
0 findings
0
Critical
1
High
0
Moderate
0
Low
24
Procedures run

Findings

HIGH · Liquidity Procedure L-04

Cash and due-from coverage is unusually low

Citation
FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet
Evidence
Cash and balances at depositories $866M against total assets $46,370M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.
Recommended action
Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Key ratios computed

Tier 1 ratio
13.38%
↑ rank 11 of 33 · regional
Tier 1 leverage
10.64%
↑ rank 5 of 34 · regional
Total capital
14.64%
↑ rank 12 of 34 · regional
NPL ratio
0.62%
ACL coverage
220.94%
CRE concentration
78.30%
Construction conc.
40.91%
ROA (annualized)
1.24%
↑ rank 10 of 34 · regional
NIM
3.55%
↑ rank 11 of 34 · regional
Efficiency ratio
56.05%
↓ rank 15 of 34 · regional
Loans / Deposits
89.55%
Brokered / Deposits
1.75%
Uninsured / Deposits
38.38%
Liquid asset ratio
1.87%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$46,370M
23Q03$44,903M 23Q06$44,928M 23Q09$44,976M 23Q12$44,887M 24Q03$45,128M 24Q06$45,481M 24Q09$46,072M 24Q12$46,370M
Tier 1 leverage
10.64%
23Q039.70% 23Q069.81% 23Q099.96% 23Q1210.03% 24Q0310.14% 24Q0610.36% 24Q0910.59% 24Q1210.64%
Tier 1 RBC ratio
13.38%
23Q0311.93% 23Q0612.04% 23Q0912.25% 23Q1212.52% 24Q0312.67% 24Q0612.89% 24Q0913.15% 24Q1213.38%
ROA (YTD ann.)
1.24%
23Q031.34% 23Q061.25% 23Q091.22% 23Q121.17% 24Q031.08% 24Q061.16% 24Q091.21% 24Q121.24%
NIM (YTD ann.)
3.55%
23Q033.96% 23Q063.84% 23Q093.77% 23Q123.74% 24Q033.50% 24Q063.52% 24Q093.52% 24Q123.55%
Efficiency ratio
56.1%
23Q0350.4% 23Q0651.8% 23Q0952.4% 23Q1254.9% 24Q0357.8% 24Q0656.8% 24Q0956.4% 24Q1256.1%

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