This institution is no longer active

Operations ceased on June 8, 2020. CRA examination history below reflects the period it was active.

SOUTH STATE BANK

COLUMBIA, SC · Supervised by FDIC

Est. 1934FDIC #13,425RSSD: FDIC-13425

Part ofSOUTH STATE CORP→ View all charters

Satisfactory Same

Current rating · Exam: August 2020

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.74%

Institution Profile

FDIC BankFind

Address

520 Gervais Street, COLUMBIA, SC

County

Richland County

Established

January 1, 1934

Total Assets

$16.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2020

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2020Call Report / FDIC

Total Assets

$16.6B

Total Deposits

$12.4B

Net Loans

$11.4B

Net Income

$30M

ROA

0.74%

Below avg for Regional banks. Peer avg: 0.88%

ROE

4.95%

Risk-Based Capital

12.31%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA0.74%Peer avg: 0.88%▼ Below avg

Risk-Based Capital12.31%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate21.84%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	15,826	62.02%	21.84%
2023	17,047	61.45%	21.49%
2022	22,751	66.31%	17.49%
2021	28,063	70.86%	12.11%
2020	33,735	68.84%	13.85%
2019	23,980	68.03%	16.26%
2018	13,336	61.01%	20.22%

2024 national avg denial rate: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2020	Satisfactory	Large Bank
May 2017	Satisfactory	Large Bank
Jan 2015	Satisfactory	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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