SOUTHSTATE BANK, NATIONAL ASSOCIATION

WINTER HAVEN, FL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1992FDIC #33,555

Satisfactory Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.41%

Institution Profile

FDIC BankFind

Website

www.southstatebank.com

Address

1101 1st St S, WINTER HAVEN, FL

County

Polk County

Established

February 21, 1992

Total Assets

$67.9B(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

May 6, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$67.9B

Total Deposits

$55.9B

Net Loans

$49.2B

Net Income

$238M

ROA

1.41%

Above avg for Regional banks. Peer avg: 0.88%

ROE

9.90%

Risk-Based Capital

13.44%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

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

ROA1.41%Peer avg: 0.88%▲ Above avg

Risk-Based Capital13.44%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate21.49%Peer avg: 26.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

346

Branch Deposits

$54.2B

1-Year Change

+92

5-year net change: +37 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	17,047	61.45%	21.49%
2022	22,751	66.31%	17.49%
2021	28,063	70.86%	12.11%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2024	Satisfactory	Large Bank
May 2021	Satisfactory	Large Bank
May 2018	Outstanding	Large Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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