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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

(Mark One)

☒

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026

☐

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission file number 001-12669

SOUTHSTATE BANK CORPORATION

(Exact name of registrant as specified in its charter)

Florida		39-3424417
(State or other jurisdiction of incorporation)		(I.R.S. Employer Identification No.)


1101 First Street South, Suite 202
Winter Haven, Florida		33880
(Address of principal executive offices)		(Zip Code)

(863) 293-4710

(Registrant’s telephone number, including area code)

Not Applicable

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:



Title of each class:		Trading Symbol		Name of each exchange on which registered:
Common Stock, $2.50 par value		SSB		The New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data file required to be submitted pursuant to Rule 405 of Regulation S-T (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large Accelerated Filer ☒		Accelerated Filer ☐

Non-Accelerated Filer ☐		Smaller Reporting Company ☐

		Emerging Growth Company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

Indicate the number of shares outstanding of each of issuer’s classes of common stock, as of the latest practicable date:



Class		Outstanding as of July 30, 2026
Common Stock, $2.50 par value		96,974,534

Table of Contents

SouthState Bank Corporation and Subsidiaries

June 30, 2026 Form 10-Q

INDEX

		Page

PART I — FINANCIAL INFORMATION

Item 1.	Financial Statements

	Consolidated Balance Sheets at June 30, 2026 and December 31, 2025	3

	Consolidated Statements of Income for the Three and Six Months Ended June 30, 2026 and 2025	4

	Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2026 and 2025	5

	Consolidated Statements of Changes in Shareholders’ Equity for the Three Months Ended June 30, 2026 and 2025	6

	Consolidated Statements of Changes in Shareholders’ Equity for the Six Months Ended June 30, 2026 and 2025	7

	Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026 and 2025	8

	Notes to consolidated Financial Statements	10

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	41

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	66

Item 4.	Controls and Procedures	66

PART II — OTHER INFORMATION

Item 1.	Legal Proceedings	66

Item 1A.	Risk Factors	67

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	67

Item 3.	Defaults Upon Senior Securities	67

Item 4.	Mine Safety Disclosures	68

Item 5.	Other Information	68

Item 6.	Exhibits	68

Table of Contents

PART I — FINANCIAL INFORMATION

Item 1. FINANCIAL STATEMENTS

SouthState Bank Corporation and Subsidiaries

Consolidated Balance Sheets (unaudited)

(Dollars in thousands, except par value)


	June 30,		December 31,
	2026		2025
ASSETS
Cash and cash equivalents:
Cash and due from banks	$	649,079	$	583,375
Federal funds sold and interest-earning deposits with banks		1,374,970		2,286,928
Deposits in other financial institutions (restricted cash)		326,263		302,180
Total cash and cash equivalents		2,350,312		3,172,483
Trading securities, at fair value		191,094		110,183
Investment securities:
Securities held to maturity (fair value of $1,641,042 and $1,732,850)		1,955,754		2,048,030
Securities available for sale, at fair value		6,598,177		6,313,756
Other investments		366,986		353,428
Total investment securities		8,920,917		8,715,214
Loans held for sale		405,441		345,343
Loans:
Acquired - non-purchased credit deteriorated loans		9,921,791		11,232,414
Acquired - purchased credit deteriorated loans		2,658,792		2,977,499
Non-acquired loans		38,266,289		34,388,614
Less allowance for credit losses		(586,664)		(585,197)
Loans, net		50,260,208		48,013,330
Goodwill		3,094,059		3,094,059
Premises and equipment, net		992,594		994,176
Bank owned life insurance (“BOLI”)		1,311,197		1,293,574
Deferred tax assets		93,840		112,578
Derivatives assets		148,889		222,886
Core deposit and other intangibles		343,424		386,326
Mortgage servicing rights		91,442		84,032
Other assets		706,611		653,228
Total assets	$	68,910,028	$	67,197,412
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Noninterest-bearing	$	13,451,094	$	13,375,697
Interest-bearing		42,898,716		41,770,100
Total deposits		56,349,810		55,145,797
Federal funds purchased		286,301		306,841
Securities sold under agreements to repurchase		283,185		311,374
Corporate and subordinated debentures		696,749		696,536
Other borrowings		300,000		—
Reserve for unfunded commitments		76,525		69,619
Derivative liabilities		606,665		554,748
Other liabilities		1,179,325		1,053,389
Total liabilities		59,778,560		58,138,304
Shareholders’ equity:
Common stock - $2.50 par value; authorized 160,000,000 shares;
96,971,142 and 99,138,204 shares issued and outstanding, respectively		242,428		247,845
Surplus		6,247,484		6,480,471
Retained earnings		2,951,691		2,614,173
Accumulated other comprehensive loss		(310,135)		(283,381)
Total shareholders’ equity		9,131,468		9,059,108
Total liabilities and shareholders’ equity	$	68,910,028	$	67,197,412

The Accompanying Notes are an Integral Part of the Financial Statements.

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Income (unaudited)

(Dollars in thousands, except per share data)


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Interest income:
Loans, including fees	$	744,652	$	746,448	$	1,466,222	$	1,471,088
Investment securities:
Taxable		73,078		68,081		145,332		121,951
Tax-exempt		8,293		6,136		15,505		13,652
Federal funds sold, securities purchased under agreements to resell
and interest-bearing deposits with banks		12,236		19,839		28,029		42,379
Total interest income		838,259		840,504		1,655,088		1,649,070
Interest expense:
Deposits		244,216		241,593		482,738		487,550
Federal funds purchased and securities sold under agreements to
repurchase		4,093		5,405		8,288		10,314
Corporate and subordinated debentures		12,516		15,558		25,023		28,063
Other borrowings		1,485		—		1,485		648
Total interest expense		262,310		262,556		517,534		526,575
Net interest income		575,949		577,948		1,137,554		1,122,495
Provision for credit losses		15,919		7,505		26,727		108,067
Net interest income after provision for credit losses		560,030		570,443		1,110,827		1,014,428
Noninterest income:
Fees on deposit accounts		41,568		37,869		80,267		73,802
Mortgage banking income		4,890		5,936		15,906		13,673
Trust and investment services income		15,164		14,419		29,635		29,351
Correspondent banking and capital markets income		20,811		13,767		42,238		23,312
SBA income		1,264		2,430		2,764		5,662
Securities losses, net		—		—		—		(228,811)
Gain on sale-leaseback, net of transaction costs		—		—		—		229,279
Other income		13,029		12,396		26,014		26,637
Total noninterest income		96,726		86,817		196,824		172,905
Noninterest expense:
Salaries and employee benefits		205,377		200,162		411,030		395,973
Information services expense		29,136		30,155		58,840		61,517
OREO and loan related expense		952		2,295		5,330		4,079
Occupancy expense		43,878		41,507		86,180		77,000
Merger, branch consolidation, severance-related, and other expense		—		24,379		—		92,385
FDIC assessment and other regulatory charges		10,753		11,469		21,010		22,727
Supplies, printing and postage expense		3,885		3,970		7,139		7,098
Amortization of intangibles		21,041		24,048		42,345		47,879
Professional fees		5,090		4,658		10,329		9,367
Advertising and marketing		3,836		3,010		7,161		5,300
Other expense		33,801		29,408		67,909		60,562
Total noninterest expense		357,749		375,061		717,273		783,887
Earnings:
Income before provision for income taxes		299,007		282,199		590,378		403,446
Provision for income taxes		68,985		66,975		134,536		99,142
Net income	$	230,022	$	215,224	$	455,842	$	304,304
Earnings per common share:
Basic	$	2.36	$	2.12	$	4.66	$	3.00
Diluted	$	2.35	$	2.11	$	4.64	$	2.99
Weighted average common shares outstanding:
Basic		97,301		101,495		97,919		101,453
Diluted		97,677		101,845		98,292		101,836

The Accompanying Notes are an Integral Part of the Financial Statements.

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Comprehensive Income (unaudited)

(Dollars in thousands)


		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2026		2025		2026		2025
Net income		$	230,022	$	215,224	$	455,842	$	304,304
Other comprehensive income (loss):
Unrealized holding gains (losses) on available for sale securities:
Unrealized holding gains (losses) arising during period			20,580		6,222		(35,434)		80,976
Tax effect			(4,606)		(1,664)		8,680		(19,832)
Reclassification adjustment for net loss included in net income			—		—		—		228,811
Tax effect			—		—		—		(55,143)
Net of tax amount			15,974		4,558		(26,754)		234,812
Other comprehensive income (loss), net of tax			15,974		4,558		(26,754)		234,812
Comprehensive income		$	245,996	$	219,782	$	429,088	$	539,116

The Accompanying Notes are an Integral Part of the Financial Statements.

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Changes in Shareholders’ Equity (unaudited)

Three months ended June 30, 2026 and 2025

(Dollars in thousands, except for share data)


								Accumulated
								Other
	Common Stock					Retained		Comprehensive
	Shares	Amount		Surplus		Earnings		Loss		Total
Balance, March 31, 2025	101,479,065	$	253,698	$	6,667,277	$	2,080,053	$	(376,667)	$	8,624,361
Comprehensive income:
Net income	—		—		—		215,224		—		215,224
Other comprehensive income, net of tax effects	—		—		—		—		4,558		4,558
Total comprehensive income											219,782
Cash dividends declared on common stock at $0.54 per share	—		—		—		(54,807)		—		(54,807)
Employee stock purchases	12,615		31		1,081		—		—		1,112
Stock options exercised	71		1		2		—		—		3
Stock issued pursuant to restricted stock units	5,930		15		(15)		—		—		—
Stock issued in lieu of cash - directors fees	1,404		3		122		—		—		125
Common stock repurchased - equity plans	(1,085)		(3)		(94)		—		—		(97)
Share-based compensation expense	—		—		10,655		—		—		10,655
Balance, June 30, 2025	101,498,000	$	253,745	$	6,679,028	$	2,240,470	$	(372,109)	$	8,801,134

Balance, March 31, 2026	97,937,653	$	244,844	$	6,332,285	$	2,779,896	$	(326,109)	$	9,030,916
Comprehensive income:
Net income	—		—		—		230,022		—		230,022
Other comprehensive income, net of tax effects	—		—		—		—		15,974		15,974
Total comprehensive income											245,996
Cash dividends declared on common stock at $0.60 per share	—		—		—		(58,227)		—		(58,227)
Employee stock purchases	14,431		36		1,248		—		—		1,284
Stock issued pursuant to restricted stock units	20,883		52		(52)		—		—		—
Stock issued in lieu of cash - directors fees	1,338		4		125		—		—		129
Common stock repurchased - buyback plan	(1,000,000)		(2,500)		(95,148)		—		—		(97,648)
Common stock repurchased - equity plans	(3,163)		(8)		(301)		—		—		(309)
Share-based compensation expense	—		—		9,701		—		—		9,701
Excise tax on repurchase of common stock	—		—		(374)		—		—		(374)
Balance, June 30, 2026	96,971,142	$	242,428	$	6,247,484	$	2,951,691	$	(310,135)	$	9,131,468

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Changes in Shareholders’ Equity (unaudited)

Six Months Ended June 30, 2026 and 2025

(Dollars in thousands, except for share data)


								Accumulated Other
	Common Stock					Retained		Comprehensive
	Shares	Amount		Surplus		Earnings		Loss		Total
Balance, December 31, 2024	76,322,206	$	190,805	$	4,259,722	$	2,046,809	$	(606,921)	$	5,890,415
Comprehensive income:
Net income	—		—		—		304,304		—		304,304
Other comprehensive income, net of tax effects	—		—		—		—		234,812		234,812
Total comprehensive income											539,116
Cash dividends declared on common stock at $1.08 per share	—		—		—		(109,543)		—		(109,543)
Cash dividend equivalents paid on restricted stock units	—		—		—		(1,100)		—		(1,100)
Employee stock purchases	12,615		31		1,081		—		—		1,112
Stock options exercised	7,047		19		314		—		—		333
Stock issued pursuant to restricted stock units	405,891		1,015		(1,015)		—		—		—
Stock issued in lieu of cash - directors fees	2,307		5		213		—		—		218
Common stock repurchased - equity plans	(110,797)		(277)		(10,996)		—		—		(11,273)
Share-based compensation expense	—		—		18,909		—		—		18,909
Common stock issued for Independent Bank Group, Inc. (“Independent”) acquisition	24,858,731		62,147		2,410,800		—		—		2,472,947
Balance, June 30, 2025	101,498,000	$	253,745	$	6,679,028	$	2,240,470	$	(372,109)	$	8,801,134

Balance, December 31, 2025	99,138,204	$	247,845	$	6,480,471	$	2,614,173	$	(283,381)	$	9,059,108
Comprehensive income:
Net income	—		—		—		455,842		—		455,842
Other comprehensive loss, net of tax effects	—		—		—		—		(26,754)		(26,754)
Total comprehensive income											429,088
Cash dividends declared on common stock at $1.20 per share	—		—		—		(117,218)		—		(117,218)
Cash dividend equivalents paid on restricted stock units	—		—		—		(1,106)		—		(1,106)
Employee stock purchases	28,844		72		2,478		—		—		2,550
Stock options exercised	6,018		15		290		—		—		305
Stock issued pursuant to restricted stock units	388,095		970		(970)		—		—		—
Stock issued in lieu of cash - directors fees	2,590		7		251		—		—		258
Common stock repurchased - buyback plan	(2,500,000)		(6,250)		(242,702)		—		—		(248,952)
Common stock repurchased - equity plans	(92,609)		(231)		(9,210)		—		—		(9,441)
Share-based compensation expense	—		—		19,045		—		—		19,045
Excise tax on repurchase of common stock	—		—		(2,169)		—		—		(2,169)
Balance, June 30, 2026	96,971,142	$	242,428	$	6,247,484	$	2,951,691	$	(310,135)	$	9,131,468

The Accompanying Notes are an Integral Part of the Financial Statements.

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Cash Flows (unaudited)

(Dollars in thousands)


	Six Months Ended
	June 30,
	2026		2025
Cash flows from operating activities:
Net income	$	455,842	$	304,304
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation and amortization		75,725		75,001
Provision for credit losses		26,727		108,067
Deferred income taxes		27,244		83,833
Losses on sale of securities, net		—		228,811
Share-based compensation expense		19,045		18,909
Accretion of discount related to acquired loans		(71,841)		(125,305)
Losses (gains) on disposal of premises and equipment		845		(115)
Gains on sale of bank properties held for sale and repossessed real estate		(2,244)		(229,810)
Net amortization of premiums and discounts on investment securities		5,594		5,437
Bank properties held for sale and repossessed real estate write downs		4,591		266
Fair value adjustment for loans held for sale		247		433
Originations and purchases of loans held for sale		(1,098,723)		(1,235,565)
Proceeds from sales of loans held for sale		478,309		658,553
Gains on sales of loans held for sale		(5,734)		(11,462)
Increase in cash surrender value of BOLI		(18,885)		(17,527)
Net change in:
Accrued interest receivable		(5,627)		(3,830)
Prepaid assets		(1,772)		6,992
Operating leases		3,904		2,817
Bank owned life insurance		(245)		(1,427)
Trading securities		471,364		514,762
Derivative assets		73,997		(46,679)
Miscellaneous other assets		(64,826)		16,915
Accrued interest payable		(14,024)		(26,808)
Accrued income taxes		41,802		(64,074)
Derivative liabilities		51,918		(275,258)
Miscellaneous other liabilities		119,920		(40,891)
Net cash provided by (used in) operating activities		573,153		(53,651)
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale		—		2,874,110
Proceeds from maturities and calls of investment securities held to maturity		90,315		106,692
Proceeds from maturities and calls of investment securities available for sale		2,072,790		674,993
Proceeds from redemption of other investment securities		21		—
Proceeds from sales and redemptions of other investment securities		1,942		45,302
Purchases of investment securities available for sale		(2,396,277)		(3,503,942)
Purchases of other investment securities		(14,267)		(117,363)
Net increase in loans		(2,234,124)		(209,675)
Net cash received from acquisitions		—		1,040,765
Net cash paid for acquisition of customer list		—		(279)
Recoveries of loans previously charged off		7,822		7,700
Purchases of premises and equipment		(29,900)		(32,933)
Proceeds from redemption and payout of bank owned life insurance policies		1,506		3,532
Proceeds from sale of bank properties held for sale and repossessed real estate		25,511		464,751
Proceeds from sale of premises and equipment		65		972
Net cash (used in) provided by investing activities		(2,474,596)		1,354,625
Cash flows from financing activities:
Net increase in deposits		1,203,774		430,633
Net (decrease) increase in federal funds purchased and securities sold under
agreements to repurchase and other short-term borrowings		(48,729)		115,646
Proceeds from borrowings		600,000		1,045,039
Repayment of borrowings		(300,000)		(700,000)
Common stock issuance		2,808		1,330
Common stock repurchases		(258,393)		(11,273)
Dividends paid		(118,324)		(110,643)
Excise tax paid on repurchases of common stock		(2,169)		—
Stock options exercised		305		333
Net cash provided by financing activities		1,079,272		771,065
Net (decrease) increase in cash and cash equivalents		(822,171)		2,072,039
Cash and cash equivalents at beginning of period		3,172,483		1,392,067
Cash and cash equivalents at end of period	$	2,350,312	$	3,464,106

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SouthState Bank Corporation and Subsidiaries

Consolidated Statements of Cash Flows (unaudited)

(Dollars in thousands)


	Six Months Ended
	June 30,
	2026		2025
Supplemental Disclosures:
Cash Flow Information:
Cash paid for:
Interest	$	531,558	$	553,383
Income taxes	$	56,283	$	72,267
Recognition of operating lease assets in exchange for lease liabilities	$	38,319	$	397,318
Schedule of Noncash Operating Transactions:
Pooling of interest only strips into trading securities	$	33,352	$	—
Creation of interest only strips from pooling of SBA loans held for sale	$	46,881	$	—
Pooling of SBA loans held for sale into trading securities	$	518,923	$	507,136
Schedule of Noncash Investing Transactions:
Acquisitions:
Fair value of tangible assets acquired	$	—	$	16,553,467
Other intangible assets acquired		—		414,553
Liabilities assumed		—		15,665,912
Net identifiable assets acquired over liabilities assumed		—		1,170,953
Common stock issued in acquisition		—		2,472,947
Real estate transferred from premises and equipment to premises held for sale
related to the sale-leaseback transaction	$	—	$	230,143
Real estate acquired in full or in partial settlement of loans	$	31,442	$	21,584

The Accompanying Notes are an Integral Part of the Financial Statements.

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SouthState Bank Corporation and Subsidiaries

Notes to Consolidated Financial Statements (unaudited)

Note 1 — Basis of Presentation

The accompanying unaudited consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America, otherwise referred to as GAAP, for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and disclosures required for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the three and six months ended June 30, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026.

The consolidated balance sheet at December 31, 2025, has been derived from the audited financial statements at that date but does not include all of the information and disclosures required by GAAP for complete financial statements.

Note 2 — Summary of Significant Accounting Policies

The information contained in the consolidated financial statements and accompanying notes included in our Annual Report on Form 10-K for the year ended December 31, 2025 (the “2025 Form 10-K”), as filed with the Securities and Exchange Commission (the “SEC”) on February 20, 2026, should be referenced when reading these unaudited consolidated financial statements. Unless otherwise mentioned or unless the context requires otherwise, references herein to “SouthState,” the “Company,” “we,” “us,” “our” or similar references mean SouthState Bank Corporation and its consolidated subsidiaries. References to the “Bank” or “SouthState Bank” means SouthState Bank Corporation’s wholly owned subsidiary, SouthState Bank, National Association, a national banking association.

The significant accounting policies of the Company are described in Note 1 to the Consolidated Financial Statements in the 2025 Form 10-K. There have been no material changes to those policies during the six months ended June 30, 2026.

Note 3 — Recent Accounting and Regulatory Pronouncements

Accounting Standards Adopted

There were no accounting standards adopted during the six months ended June 30, 2026 that had a material effect on our consolidated financial statements.

Issued But Not Yet Adopted Accounting Standards

Subsequent to the filing of the Company’s 2025 Form 10-K, no accounting standards were issued that are expected to have a material effect on the Company’s consolidated financial statements.

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Note 4 — Investment Securities

Investment Securities

The following is the amortized cost and fair value of investment securities held to maturity:


			Gross			Gross
	Amortized		Unrealized			Unrealized		Fair
(Dollars in thousands)	Cost		Gains			Losses		Value
June 30, 2026:
U.S. Government agencies	$	132,915	$	—		$	(16,795)	$	116,120
Residential mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		1,090,113		—			(175,475)		914,638
Residential collateralized mortgage-obligations issued by U.S. government
agencies or sponsored enterprises		363,925		—			(57,204)		306,721
Commercial mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		324,980		—			(57,187)		267,793
Small Business Administration loan-backed securities		43,821		—			(8,051)		35,770
	$	1,955,754	$	—		$	(314,712)	$	1,641,042
December 31, 2025:
U.S. Government agencies	$	132,913	$	—		$	(15,767)	$	117,146
Residential mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		1,153,024		—			(177,101)		975,923
Residential collateralized mortgage-obligations issued by U.S. government
agencies or sponsored enterprises		379,107		—			(55,232)		323,875
Commercial mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		336,910		—			(58,332)		278,578
Small Business Administration loan-backed securities		46,076		—			(8,748)		37,328
	$	2,048,030	$	—		$	(315,180)	$	1,732,850

The following is the amortized cost and fair value of investment securities available for sale:


			Gross		Gross
	Amortized		Unrealized		Unrealized		Fair
(Dollars in thousands)	Cost		Gains		Losses		Value
June 30, 2026:
Residential mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises	$	2,026,760	$	4,562	$	(144,756)	$	1,886,566
Residential collateralized mortgage-obligations issued by U.S. government
agencies or sponsored enterprises		2,082,757		5,511		(54,109)		2,034,159
Commercial mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		1,095,770		1,050		(79,341)		1,017,479
State and municipal obligations		1,240,617		2,484		(128,351)		1,114,750
Small Business Administration loan-backed securities		547,528		433		(24,844)		523,117
Corporate securities		23,000		—		(894)		22,106
	$	7,016,432	$	14,040	$	(432,295)	$	6,598,177
December 31, 2025:
Residential mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises	$	1,826,307	$	10,108	$	(138,307)	$	1,698,108
Residential collateralized mortgage-obligations issued by U.S. government
agencies or sponsored enterprises		2,208,710		23,979		(47,105)		2,185,584
Commercial mortgage-backed securities issued by U.S. government
agencies or sponsored enterprises		903,209		3,282		(74,042)		832,449
State and municipal obligations		1,141,377		1,252		(135,217)		1,007,412
Small Business Administration loan-backed securities		593,973		548		(26,088)		568,433
Corporate securities		23,000		—		(1,230)		21,770
	$	6,696,576	$	39,169	$	(421,989)	$	6,313,756

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The following is the amortized cost and carrying value of other investment securities:


	Carrying
(Dollars in thousands)	Value
June 30, 2026:
Federal Home Loan Bank stock	$	32,336
Federal Reserve Bank stock		234,374
Investment in unconsolidated subsidiaries		5,287
Other investment securities		94,989
	$	366,986
December 31, 2025:
Federal Home Loan Bank stock	$	18,086
Federal Reserve Bank stock		234,374
Investment in unconsolidated subsidiaries		5,287
Other investment securities		95,681
	$	353,428

The Company’s other investment securities consist of non-marketable equity and other securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of June 30, 2026, the Company has determined that there was no impairment on its other investment securities.

The amortized cost and fair value of debt securities at June 30, 2026, by contractual maturity are detailed below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties.

Securities

Held to Maturity

Available for Sale

Amortized

Fair

Amortized

Fair

(Dollars in thousands)

Cost

Value

Cost

Value

Due in one year or less

—

 

25,660

 

25,525

Due after one year through five years

172,583

160,937

415,952

411,268

Due after five years through ten years

330,479

287,326

1,211,660

1,143,401

Due after ten years

1,452,692

1,192,779

5,363,160

5,017,983

1,955,754

1,641,042

7,016,432

6,598,177

During the three and six months ended June 30, 2026, there were no sales of securities available for sale. During the three months ended June 30, 2025, there were no sales of securities available for sale. During the first quarter of 2025, the Company sold a portion of the available for sale investment securities acquired from Independent and recognized no gain or loss on these investment securities as each security was marked to fair value at the acquisition date. During the first quarter of 2025, in addition to the sale of the investment securities acquired from Independent, the Company executed an investment portfolio restructuring and sold $1.8 billion of available for sale investment securities from its existing investment securities portfolio.

The following table provides additional details of the available for sale investment securities sold during the six months ended June 30, 2025:



	2025
(Dollars in thousands)	Sales of Securities Acquired from Independent		Investment Securities Sales		Total
Sale proceeds	$	1,279,717	$	1,594,393	$	2,874,110
Gross realized gains		—		8,892		8,892
Gross realized losses		—		(237,703)		(237,703)
Net realized losses	$	—	$	(228,811)	$	(228,811)

There were no sales of held to maturity securities during the three and six months ended June 30, 2026 or June 30, 2025.

Table of Contents

The Company had 1,129 securities with gross unrealized losses at June 30, 2026. Information pertaining to our securities with gross unrealized losses at June 30, 2026, and December 31, 2025, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position is as follows:

Less Than

12 Months

or More

Gross Unrealized

Fair

Gross Unrealized

Fair

(Dollars in thousands)

Losses

Value

Losses

Value

June 30, 2026:

Securities Held to Maturity

U.S. Government agencies

—

16,795

116,120

Residential mortgage-backed securities issued by U.S. government

agencies or sponsored enterprises

—

175,475

914,638

Residential collateralized mortgage-obligations issued by U.S. government

agencies or sponsored enterprises

—

57,204

306,721

Commercial mortgage-backed securities issued by U.S. government

agencies or sponsored enterprises

—

57,188

267,793

Small Business Administration loan-backed securities

—

8,050

35,770

—

314,712

1,641,042

Securities Available for Sale

Residential mortgage-backed securities issued by U.S. government

agencies or sponsored enterprises

5,882

694,570

138,873

752,869

Residential collateralized mortgage-obligations issued by U.S. government

agencies or sponsored enterprises

5,713

874,273

48,396

258,069

Commercial mortgage-backed securities issued by U.S. government

agencies or sponsored enterprises

4,740

462,508

74,602

391,176

State and municipal obligations

436

61,086

127,914

864,249

Small Business Administration loan-backed securities

403

126,057

24,442

358,963

Corporate securities

9,936

830

12,170

17,238

2,228,430

415,057

2,637,496

December 31, 2025:

Securities Held to Maturity

U.S. Government agencies

—

15,767

117,146

Residential mortgage-backed securities issued by U.S. government

SouthState Bank Corp 10-Q