Financial Performance Highlights - Private Wealth Management assets under management and administration reached a record of $3.731 billion[5] - Private Wealth Management fee income totaled $3.7 million for Q2 2025, an increase of 8.3% compared to Q2 2024[5] - The company experienced consistent loan growth, with an annualized increase of 8.4% from the linked quarter and 8.9% from Q2 2024[5] - Core deposits grew at an annualized rate of 11.4% from the linked quarter and 9.7% from Q2 2024[5] - The net interest margin (NIM) was strong at 3.67%, compared to 3.69% for the linked quarter and 3.65% for the prior-year quarter[5] - Tangible book value per share (TBVPS) increased at an annualized rate of 10.2% from the linked quarter and 13.6% from Q2 2024[5] - Operating revenue increased by 8.1% from Q2 2024, and year-to-date operating revenue increased by 10.3% over the first six months of 2024[5] - Pre-tax, pre-provision earnings grew by 18% year-to-date, and net income grew by 17% for the first six months of 2025 compared to the prior-year period[7] Balance Sheet and Liquidity - As of June 30, 2025, readily accessible liquidity was $1.313 billion, with total liquidity reaching $2.004 billion[35] - 70% of deposits are insured or collateralized, with FDIC insured deposits at $3.305 billion[36]

Financial Performance - Total assets decreased by 1.5% from Q1 2025 to $6.16 billion [6] - Loans held for investment increased by 1.8% from Q1 2025 to $4.38 billion [6] - Total deposits decreased by 1.8% from Q1 2025 to $5.39 billion [6] - Net income decreased by 34% from Q1 2025 to $10.0 million [30] - Diluted EPS decreased by 34% from Q1 2025 to $0.48 [6] - Net interest margin, tax equivalent, increased by 13 bps from Q1 2025 to 3.57% [6] Credit Risk Profile - Nonperforming loans ratio increased by 44 bps from Q1 2025 to 0.85% [6] - Net charge-off ratio decreased by 27 bps from Q1 2025 to 0.02% [6] - Allowance for credit losses ratio increased by 25 bps from Q1 2025 to 1.50% [6] Wealth Management - Wealth Management Assets Under Administration increased from $3.15 billion in 2024 to $3.28 billion in 2025 [21] - Investment Services and Private Wealth Revenue for Q2 2025 was $7.2 million and $4.9 million respectively [22]

Financial Performance - Net income available to common shareholders was $2.5 million, resulting in diluted earnings per share of $0.26 in 2Q25[12, 13] - Net interest income increased by $0.4 million, a 2.3% increase, from $17.5 million in 1Q25 to $17.9 million in 2Q25[10, 43] - Total assets under management increased by $320 million, a 4.5% increase, during the quarter to $7.50 billion[34] Loan Portfolio - Total loans held for investment increased by $114.4 million from the prior quarter due to strong loan production[24] - New loan production in 2Q25 reached $166.9 million, with a focus on relationship-based lending[24] - Total loans reached $2.57 billion[18] Deposits - Total deposits increased by 0.4% from $2.52 billion in 1Q25 to $2.53 billion in 2Q25[29] - Noninterest-bearing deposits decreased by 11.7% from $410 million in 1Q25 to $362 million in 2Q25, primarily due to seasonal outflows[29] Expenses and Efficiency - Non-interest expense decreased to $19.1 million from $19.4 million in 1Q25, driven by a decrease in salaries and employee benefits expense[53] - The efficiency ratio improved from 79.16% in 1Q25 to 78.83% in 2Q25[53] Asset Quality - ACL/Total Loans increased from 0.74% in 1Q25 to 0.75% in 2Q25[57]

Financial Performance - Q2 2025 - Revenue increased to $2.17 billion, a 20.1% increase compared to $1.81 billion in Q2 2024 [6, 7] - Gross Profit percentage improved to 23.5% compared to 20.1% in Q2 2024 [6, 7] - Earnings Per Share (EPS) rose to $6.53 per diluted share, a 74.6% increase from $3.74 in Q2 2024 [6, 7] - Cash Flow from Operations increased to $252.5 million, a 33% increase compared to $189.9 million in Q2 2024 [6] Financial Performance - YTD 2025 - Revenue reached $4.00 billion, a 19.6% increase compared to $3.35 billion for the same period in 2024 [9, 10] - Gross Profit percentage increased to 22.8% from 19.7% for the same period in 2024 [9, 10] - Earnings Per Share (EPS) was $11.28 per diluted share, a 75.4% increase compared to $6.43 for the same period in 2024 [9, 10] - Cash Flow from Operations was $164.5 million, a decrease compared to $336.4 million for the same period in 2024 [9] Backlog and Balance Sheet - Backlog increased to $8.12 billion compared to $6.89 billion in Q1 2025 and $5.77 billion in Q2 2024 [6] - Cash decreased to $331.7 million from $549.9 million as of December 31, 2024 [8]

Financial Performance - SouthState Corporation reported diluted Earnings per Share (EPS) of $2.11, with an adjusted diluted EPS (non-GAAP) of $2.30[32] - Pre-Provision Net Revenue (PPNR) reached $314.1 million[32] - Year-over-year PPNR per share growth (non-GAAP) was 29%[32] - Net interest margin, tax equivalent, increased to 4.02%, up 0.17% from the prior quarter[32] Balance Sheet & Loan Portfolio - Loans increased by $501 million, representing a 4% annualized growth[32] - Deposits increased by $359 million, representing a 3% annualized growth[32] - Total loans amounted to $47.3 billion, with investor CRE comprising 36% of the portfolio[44] - Noninterest-bearing checking deposits totaled $13.7 billion[48] Asset Quality & Capital - Net charge-offs to loans stood at 0.06%[54] - Tangible Common Equity (TCE) ratio was 8.5%[63] - Total investment portfolio was $8.1 billion[78] Market & Geographic Expansion - SouthState is ranked as the 5 largest regional bank in the South[7] - The company operates in 12 of the 15 fastest-growing U S MSAs[7] - Top states for net domestic migration include Florida with 872,722 and Texas with 747,730[23]

Financial Performance & Guidance - The company reported net income available to common shareholders of $17.2 million for the second quarter of 2025[13] - Diluted earnings per common share increased by 4.9% from $0.81 in 1Q25 to $0.85 in 2Q25[13] - The company affirms full year 2025 NIM guidance of 3.45% to 3.55% and expects noninterest income of $40 million to $42 million[9] - Full year 2025 noninterest expense is projected to be approximately $140 million, with an efficiency ratio below 60%[9] Balance Sheet & Loan Portfolio - Total deposits were $5.16 billion, a decrease of $216.9 million, or 4.0%, from the previous quarter, but up $22.7 million, or 0.4%, year-over-year[13, 15] - Total loans amounted to $4.54 billion, showing a slight decrease from $4.55 billion in the first quarter of 2025[13] - Commercial loans totaled $2.94 billion with committed credit exposure of $3.90 billion at the end of the second quarter[28] - The consumer indirect auto loan portfolio was $833.5 million at the end of the second quarter[40] Asset Quality & Capital - Non-performing loans (NPLs) to total loans decreased to 0.72% at the end of the second quarter[13] - The allowance for credit losses on loans to total loans was 1.04% at the end of the second quarter[74] - The CET1 capital ratio was 10.84% at the end of the second quarter, up 81 bps from one year prior[79]

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