Core Insights - SouthState Corporation (SSB) reported fourth-quarter 2025 adjusted earnings per share of $2.47, exceeding the Zacks Consensus Estimate of $2.30, with a 28% increase year-over-year [1] - The company's total revenues for the quarter reached $686.9 million, a 52.5% year-over-year increase, surpassing the Zacks Consensus Estimate by 3% [3] - For the full year 2025, adjusted earnings per share were $9.50, beating the Zacks Consensus Estimate of $9.11, representing a 31.8% rise from the previous year [2] Revenue and Income - Net interest income (NII) for the fourth quarter was $581.1 million, up 57.2% from the prior-year quarter, with the net interest margin increasing to 3.86% from 3.48% [3][4] - Non-interest income was reported at $105.8 million, reflecting a 31.3% increase year-over-year [4] - Total revenues for 2025 were $2.68 billion, a 56.1% increase, exceeding the Zacks Consensus Estimate of $2.65 billion [3] Expenses and Efficiency - Non-interest expenses rose 42.2% to $364.9 million, primarily due to increases in various expense components [4] - The efficiency ratio improved to 49.65% from 55.73% in the year-ago quarter, indicating enhanced profitability [4] Loans and Deposits - As of December 31, 2025, net loans stood at $48 billion, a 2% increase from the prior quarter, while total deposits rose to $55.1 billion, also up 2% [5] Asset Quality - The company recorded a provision for credit losses of $6.6 million, a 3.7% increase from the prior-year quarter [6] - The allowance for credit losses as a percentage of loans was 1.20%, down 17 basis points year-over-year [6] Capital and Profitability Ratios - As of December 31, 2025, the Tier I leverage ratio was 9.3%, down from 10% in the year-ago quarter, and the Tier 1 common equity ratio decreased to 11.4% from 12.6% [9] - The annualized return on average assets was 1.47%, up from 1.23% in the prior-year period, while return on average common equity improved to 10.90% from 9.72% [9] Future Outlook - The company's rising NII and non-interest income are expected to support top-line growth in the near term, alongside a strong loan pipeline and strategic buyouts [10]