FL lenders / Regional Bank
SouthState Bank, National Association
Regional Bank · Winter Haven, FL · Southstate Bank Corp
- Total assets
- $67.9B
- CRE loan book
- $27.3B
- QoQ CRE growth
- 2.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.75% as of Q1 2026 — TX bank median 4.87% (0.88pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.75% | 5.84% |
| Q4 2025 | 6.06% | 6.17% |
| Q3 2025 | 6.40% | 6.55% |
| Q2 2025 | 6.24% | 6.30% |
| Q1 2025 | 7.16% | 7.13% |
| Q4 2024 | 5.63% | 5.76% |
| Q3 2024 | 5.71% | 5.88% |
| Q2 2024 | 5.59% | 5.79% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $27.3B | $2.5B | $2.7B | 276% | $101.7M |
| Q4 2025 | $26.8B | $2.5B | $2.8B | 272% | $110.4M |
| Q3 2025 | $26.5B | $2.6B | $2.8B | 272% | $120.5M |
| Q2 2025 | $26.4B | $3.3B | $2.5B | 277% | $115.5M |
| Q1 2025 | $26.4B | $3.5B | $2.5B | 284% | $84.9M |
| Q4 2024 | $17.3B | $2.2B | $1.6B | 220% | $53.9M |
| Q3 2024 | $17.2B | $2.4B | $1.4B | 227% | $60.8M |
| Q2 2024 | $17.2B | $2.5B | $1.1B | 231% | $70.6M |
Signals
Recent news
- SouthState Bank (SSB) Enters Government Contractor Banking As Fair Value Stays In Focus - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Aug 26, 2026
- SouthState’s New Government Contractor Banking Push Might Change The Case For Investing In SSB - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Aug 19, 2026
- SouthState Bank (SSB) Expands Into Government Contractor Banking Following A Fair Value Gap - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Aug 18, 2026
- SouthState Bank (SSB) Could Be 8% Undervalued Following Recent Share Price Strength - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Aug 10, 2026
- How SouthState’s Q2 Earnings Beat, Dividend Hike and Buybacks Will Impact SouthState Bank (SSB) Investors - simplywall.st — Coverage of SouthState Bank, National Association related to earnings reported by simplywall.st.Aug 5, 2026
- Is SouthState Bank (SSB) Undervalued After Its Q2 Earnings And Capital Return Update? - simplywall.st — Coverage of SouthState Bank, National Association related to earnings reported by simplywall.st.Aug 3, 2026
- SouthState Bank (SSB) Stock Looks Cheap, But Can Margins Hold - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Aug 2, 2026
- Is SouthState’s Q2 Capital Return Surge Altering The Investment Case For SouthState Bank (SSB)? - simplywall.st — Coverage of SouthState Bank, National Association related to commercial real estate and lending reported by simplywall.st.Jul 27, 2026
Similar lenders
Other regional banks we track with a comparable CRE book size.
- Columbia BankRegional Bank · Roseburg · $26.8B CRE book
- Valley National BankRegional Bank · Passaic · $29.7B CRE book
- Zions Bancorporation, N.A.Regional Bank · Salt Lake City · $23.3B CRE book
- Old National BankRegional Bank · Evansville · $22.7B CRE book
- Webster Bank, National AssociationRegional Bank · Stamford · $22.5B CRE book
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Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.