SouthState Bank Corp (FRA:IV1)

Q2 2026 SouthState Bank Corp Earnings Call Transcript

Jul 24, 2026 / 01:00 PM GMT

Release Date Price: €85.5

Transcript 10-Q8-K

Key Points

Positve

SouthState Bank Corp (SSB) delivered a strong quarter with a return on assets of 1.36% and a return on tangible common equity of 17.6%.
The company experienced solid balance sheet growth, with loans growing 8% and deposits growing 5% over the last year.
Asset quality improved with non-performing assets declining by 14% and net charge-offs remaining low at six basis points.
SouthState Bank Corp (SSB) successfully expanded its commercial banking sales force by more than 10% in the last three quarters.
The company is making significant progress in building artificial intelligence capabilities, leading to productivity gains in areas such as credit operations and fraud management.

Negative

Net interest margin decreased slightly by a basis point from the previous quarter.
Loan yields were down by 5 basis points from Q1, and accretion income decreased by $6 million.
Non-interest income was $3 million below the previous quarter's levels due to lower mortgage revenue.
The company anticipates a slight increase in deposit costs over the rest of the year.
Share repurchase activity slowed during the second quarter, and the company expects to maintain a 40% to 60% capital return framework.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SSB.N - SouthState Bank Corp
Q2 2026 SouthState Bank Corp Earnings Call
Jul 24, 2026 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello, everyone.

Thank you for joining us and welcome to the South State Bank Corporation Second Quarter 2026 Earnings Conference Call. After today's prepared remarks, we will host a question-and-answer session. If you would like to ask a question, please press star one to raise your hand. To withdraw your question, press star one again.

I will now hand the conference call over to Will Matthews, Chief Financial Officer. Mr. Matthews, please go ahead.

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Unidentified_2 [2]
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Good morning. This is Will Matthews, and welcome to South State's

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