Skip to content
FIXnotes

SOUTHSTATE BANK NA

BANK

WINTER HAVEN, FL · N

Total Assets
$68.8B
—
Total Loans
$51.3B
—
2.8%
-0.4
SOUTHSTATE BANK NA in FL reported a Texas ratio of 2.8% in Q2 2026, down -0.4pp from the prior quarter. Nonperforming assets totaled 0.54%, a decline of -0.07pp.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
Real estate (all)————
Commercial real estate————
Construction & land————
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

FOUNDATION

Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Florida mortgage-note market & lender distress →

Recent acquisitions

Institutions SOUTHSTATE BANK NA absorbed since 2024 and the inherited portfolio's last-reported call-report figures. Why inherited portfolios matter

  • Independent BankMckinney, TX · Jan 1, 2025 · Merger
    Inherited NPL volume
    $43M
    Inherited NPL %
    0.32%
    Total loans inherited
    $13.6B
    Total assets inherited
    $17.5B
    YTD charge-offs (at close)
    $23M
    Last filing
    Dec 31, 2024