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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.Q2 2025 earnings summary25 Jul, 2025
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.
Explain the drivers behind the loan origination growth.
Assess the sustainability of the NIM at 4.02%.
Discuss the impact of the gain on sale leaseback.
Assess the impact of M&A disruption.
Explain deposit cost optimization.
Detail loan repricing's impact on NIM.
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Next SouthState earnings date
Q3 202523 Oct, 2025
Next SouthState earnings date
Q3 202523 Oct, 2025
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Frequently asked questions
SouthState Corporation is a financial holding company that operates through its subsidiary, SouthState Bank, providing a range of banking and financial services. The company offers personal and commercial banking products, including checking and savings accounts, mortgages, business loans, and treasury management services. Additionally, it provides wealth management, trust services, and investment solutions to individuals and businesses. The company is headquartered in Winter Haven, Florida, and its shares are listed on the NYSE.
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