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Southern States Bancshares (SSBK) investor relations material
Southern States Bancshares Q1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2025 earnings summary22 Apr, 2025
Executive summary
Q1 2025 net income was $10.4M ($1.04 per share), up 27.5% year-over-year but down from $11.2M in Q4 2024; core net income was $10.3M ($1.03 per diluted share).
Announced definitive merger agreement with FB Financial, valuing SSBK at $381M, expected to close late Q3 or early Q4 2025; shareholders to receive 0.800 FBK shares per SSBK share.
Completed Century Bank acquisition in July 2024, expanding Georgia market presence and contributing to growth.
CEO highlighted improved net interest margin, lower noninterest expense, and strong credit quality.
Assets reached $2.85B, loans $2.26B, and deposits $2.43B as of March 31, 2025.
Financial highlights
Net interest income was $24.9M, up 19.4% year-over-year but down 0.7% sequentially; net interest margin improved to 3.75%.
Noninterest income rose 30.4% year-over-year to $1.7M; noninterest expense increased 18.6% to $12.3M, mainly from salaries and acquisition costs.
Efficiency ratio improved to 46.42%, reflecting disciplined expense management.
Annualized loan growth was 6.1% and deposit growth 2.4% compared to Q4 2024.
Tangible book value per share increased to $25.04.
Outlook and guidance
Merger with FB Financial expected to enhance market presence, capabilities, and financial strength; closing anticipated in Q3/Q4 2025.
Management continues to focus on organic growth, disciplined M&A, and maintaining asset quality and capital adequacy.
What drove the NIM increase this quarter?
How did Century Bank impact noninterest income?
Explain the CRE loan impacting NPLs.
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Frequently asked questions
Southern States Bancshares, Inc. is a bank holding company based in Anniston, Alabama. It operates primarily through its wholly-owned subsidiary, Southern States Bank. The bank provides a range of community banking services, including deposit products like savings accounts, money market accounts, and certificates of deposit. It also offers various loan products, such as real estate loans for residential and commercial purposes, construction and development loans, and consumer installment loans. Additionally, the bank provides online and mobile banking, as well as ATM services. The company is headquartered in Anniston, Alabama, and its shares are listed on the NASDAQ.
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