SouthState Bank Corporation (NYSE:SSB) announced its Q3 2025 earnings on October 23, 2025, reporting a 30 % year‑over‑year increase in earnings per share to $2.44 and net income of $246.6 million. Total revenue for the quarter was $698.8 million, up from $660.4 million in the same period a year earlier, while net interest income rose to $599.7 million, reflecting a 4.06 % net interest margin. The company’s return on tangible equity reached 20 %, and its efficiency ratio improved to 52.7 % from 57.0 % in Q2 2025.
SouthState’s balance sheet remained strong, with total assets of $66.0 billion and deposits of $54.1 billion, supporting a loan portfolio of $47.1 billion. Non‑performing assets stood at $323.8 million, or 0.68 % of total loans, while the allowance for credit losses was $621 million, providing 2.09× coverage of non‑performing loans. Net charge‑offs were 0.06 % of total loans, indicating stable asset quality amid the recent Independent Financial acquisition.
The company declared a quarterly cash dividend of $0.60 per share, an 11 % increase over the prior dividend of $0.54, to be paid on November 14, 2025. The dividend payout ratio was 35.8 %, and the company’s dividend yield was 2.7 %. These results underscore SouthState’s continued focus on shareholder returns while maintaining robust capital and liquidity positions.
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