BlastPoint's Banking Scorecard
SouthState Bank, National Association
Large
Specialty: Commercial
FL
FDIC cert 33555
Winter Haven, FL
69
banks in Large tier nationally
5 in FL
View Large leaderboard (FL) →
SouthState Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.2B
+44.9% YoY
+1.7% QoQ
|
-$7.7B |
$74.9B
-4.4% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$48.4B
+43.4% YoY
+2.0% QoQ
|
+$1.9B |
$46.4B
-2.1% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$55.2B
+44.7% YoY
+1.9% QoQ
|
-$5.3B |
$60.5B
-4.5% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.40%
+12.5% YoY
+5.3% QoQ
|
+0.20% |
1.19%
+17.8% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.31%
+21.4% YoY
-1.9% QoQ
|
+0.85% |
3.46%
+13.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
47.64%
-15.0% YoY
+0.7% QoQ
|
-7.39% |
55.03%
-2.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.62%
+0.0% YoY
-1.8% QoQ
|
-0.25% |
0.88%
-0.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
87.57%
-0.9% YoY
+0.1% QoQ
|
+5.85% |
81.72%
+3.9% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
24.36%
-9.7% YoY
-2.5% QoQ
|
+4.39% |
19.97%
+0.5% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.46%
+0.9% YoY
-4.6% QoQ
|
-0.09% |
0.55%
+9.0% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
12.54%
-6.3% YoY
-0.6% QoQ
|
-0.78% |
13.33%
-0.7% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.94%
+31.9% YoY
+20.1% QoQ
|
-0.14% |
1.09%
+2.4% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#4 of 35 · Bottom 9% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.62%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
84
84th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.46%
79
79th pctile
Efficiency Ratio
Current: 47.64% · Tier avg: 55.03%
71
71th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.19%
70
70th pctile
Total Loans
Current: $48.4B · Tier avg: $46.4B
66
66th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 1.09%
65
65th pctile
Total Assets
Current: $67.2B · Tier avg: $74.9B
65
65th pctile
Total Deposits
Current: $55.2B · Tier avg: $60.5B
65
65th pctile
Loan-to-Deposit Ratio
Current: 87.57% · Tier avg: 81.72%
61
61th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.88%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 24.36% · Tier avg: 19.97%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.55%
46
46th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 13.33%
Top Weaknesses
46
46th pctile
Tier 1 Capital Ratio
Current: 12.54% · Tier avg: 13.33%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.55%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 24.36% · Tier avg: 19.97%
61
61th pctile
Delinquency Rate
Current: 0.62% · Tier avg: 0.88%
65
65th pctile
Loan-to-Deposit Ratio
Current: 87.57% · Tier avg: 81.72%
65
65th pctile
Total Deposits
Current: $55.2B · Tier avg: $60.5B
65
65th pctile
Total Assets
Current: $67.2B · Tier avg: $74.9B
66
66th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 1.09%
70
70th pctile
Total Loans
Current: $48.4B · Tier avg: $46.4B
71
71th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.19%
79
79th pctile
Efficiency Ratio
Current: 47.64% · Tier avg: 55.03%
84
84th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.46%