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Dec 31, 2025
SouthState Q4 2025 Earnings Report
SouthState reported strong Q4 2025 results with notable loan and deposit growth and solid profitability metrics.
Key Takeaways
SouthState delivered solid Q4 results with EPS up significantly year-over-year, continued growth in loans and deposits, and a new share repurchase plan.
Revenue by Segment
Forward Guidance
SouthState enters 2026 with strong pipelines, improved capital flexibility, and positive momentum following Q4 growth.
Positive Outlook
- Loan growth of $931M during Q4
- Deposit growth of $1.1B in the quarter
- New 5.56M share repurchase authorization
- Strong capital ratios with Tier 1 at 11.4%
- Adjusted ROAA and ROTCE remained high at 1.48% and 19.14% respectively
Challenges Ahead
- Net interest income declined $19M QoQ
- Loan yield decreased by 35 bps from prior quarter
- Efficiency ratio slightly worsened to 49.65%
- Adjusted net income declined from Q3
- Noninterest expenses rose $13M from Q3
Historical Earnings Impact
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Avg. Return Before/After Earnings
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