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SouthState (SSB) investor relations material
SouthState Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Completed acquisition and integration of Independent Bank Group, expanding into Texas and Colorado and driving 42% asset growth to $65.9B as of June 30, 2025.
Net income for Q2 2025 rose 62.6% year-over-year to $215.2M; adjusted diluted EPS was $2.30, with reported EPS at $2.11.
Achieved strong organic loan growth, with loan originations up 57% quarter-over-quarter and loans increasing by $501M (4% sequentially).
Quarterly cash dividend increased by 11% to $0.60 per share, reflecting confidence in earnings and capital strength.
Sale-leaseback of 165 branches generated a $229.3M gain and added $456.4M in cash.
Financial highlights
Net interest income for Q2 2025 was $578M, up 65% year-over-year, with net interest margin rising to 4.02%.
Noninterest income rose 15.4% to $87M, including gains from the sale-leaseback and higher trust, card, and capital markets income.
Efficiency ratio improved to 52.7% (adjusted 49%), with noninterest expense up 50.8% to $375.1M due to higher salaries, occupancy, and merger costs.
Return on average assets was 1.34%; adjusted ROAA 1.45%; return on average tangible common equity 19.6%.
Book value per share was $86.71; tangible book value per share $51.96, up 8.5% year-over-year.
Outlook and guidance
Management expects continued organic growth and further cost synergies from the IBTX integration.
NIM expected to remain between 3.8% and 3.9% for the rest of 2025, with potential to drift higher in 2026.
Average earning assets guided to $58B for 2025, exiting Q4 at $59B, implying mid-single-digit growth.
Dividend increase signals confidence in future earnings and capital generation.
Capital ratios remain well above regulatory minimums, supporting future growth and shareholder returns.
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