SouthState Bank Corporation (NASDAQ: SSB) is a regional bank holding company that operates through SouthState Bank, N.A., providing commercial banking, retail banking, mortgage, wealth management, and capital markets services. The company earns revenue primarily through net interest income on loans and deposits, supplemented by fee income from correspondent banking, fixed income security sales, hedging services, loan brokerage, and wealth management. SouthState Bank serves individual consumers, businesses, and over 1,200 small and medium-sized community financial institutions, credit unions, and money managers across the United States through its correspondent banking and capital markets division, headquartered primarily in Atlanta, Georgia and Birmingham, Alabama. The bank also operates SouthState Securities Corp., a full-service registered broker-dealer headquartered in Memphis, Tennessee, and SouthState Private Capital Management LLC, a registered investment advisor formed through the merger of SouthState Advisory, Inc. and Private Capital Management LLC on December 31, 2025, the latter acquired through the Independent Bank Group, Inc. acquisition.

Revenue model

Net interest income from loans and deposits; fee income including commissions on fixed income security sales, hedging service fees, loan brokerage fees, consulting fees, and wealth management fees from correspondent banking and capital markets clients.

Products and services

Commercial banking, retail banking, mortgage lending, wealth management, correspondent banking, fixed income capital markets (via SouthState Securities Corp.), hedging services, loan brokerage, registered investment advisory services (via SouthState Private Capital Management LLC).

Customers and end markets

Individual consumers, commercial businesses, and over 1,200 small and medium-sized community financial institutions, credit unions, and money managers throughout the United States (as reported in 10-K filed 2026-02-20).

Value-chain role

Direct lender, deposit-taker, capital markets intermediary, and registered investment advisor; also serves as a wholesale correspondent banking services provider to community banks and credit unions.

Geographic exposure

Southeastern United States with correspondent banking operations based primarily in Atlanta, Georgia and Birmingham, Alabama; broker-dealer operations headquartered in Memphis, Tennessee; correspondent banking client reach nationwide across the United States.

Source: SEC 10-K, filed 2026-02-20

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