SouthState Bank Corp. · SSB · FY2026 Q3 · Calendar Q4 2026
SouthState posts 9% loan and deposit growth as NIM holds
The quarter supports a constructive growth case: strong organic loan and deposit growth, a larger floating-rate loan mix, and planned fee platforms provide support. The evidence is balanced by lower capital-markets income, expense growth, and sensitivity to rates and credit conditions.
Earnings scorecard
Reported versus consensusMarket reaction
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Transcript intelligence
What changed
SouthState reported 9% annualized loan and deposit growth and stable 3.78% NIM. Floating-rate loans reached 39% of the portfolio, capital-markets income declined to $20.1 million, and management raised guidance while planning new FX and commodities platforms for Q1 2027.
Guidance delta
Management raised guidance, maintaining 3.75%-3.85% NIM guidance through 2027 while targeting 3.5%-4% expense growth for 2026-2027.
Key takeaways
- Loan and deposit balances each grew at a 9% annualized rate.
- NIM remained stable as floating-rate loans reached 39% of the portfolio.
- Capital-markets income fell to $20.1 million; management expects recovery.
- Share repurchases and planned FX and commodities platforms support the growth plan.
Management priorities
- Expand commercial relationship-bankers and organic loan production.
- Protect margins through floating-rate asset growth and low-cost deposits.
- Launch FX and commodities platforms in Q1 2027.
- Continue technology, people investment, and share repurchases.
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Try FN2 freeCompany context
Snapshot as of publicationSouthState Bank Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies in the United States. The company offers checking accounts, savings accounts, money market accounts, and time deposit accounts; interest-bearing deposits, certificates of deposits, and other time deposits; and interest-bearing transaction accounts. It provides bond accounting services for correspondents, asset/liability consulting related activities, international wires, and other clearing and corporate checking account services.…
Historical context
All SSB earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| PNFP Pinnacle Financial Partners, Inc. | FY2026 Q3 · Calendar Q4 2026 | +2.7% | +2.3% | PNFP: Strong loan growth and fee income, guidance maintained |
| BPOP Popular, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | -2.8% | Popular’s Q3 growth remained solid as public deposits declined |
| BX Blackstone Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +8.4% | Blackstone highlights AI infrastructure and fundraising momentum |
| HBANM Huntington Bancshares Incorporated | FY2026 Q3 · Calendar Q4 2026 | — | +0.5% | Huntington maintains 2027 outlook as fee growth offsets pressure |
| HBAN Huntington Bancshares Incorporated | FY2026 Q3 · Calendar Q4 2026 | — | -0.4% | Huntington Reaffirms 2027 Targets as Fee Growth Supports Outlook |
| HBANP Huntington Bancshares Incorporated | FY2026 Q3 · Calendar Q4 2026 | — | +0.3% | Huntington maintains outlook as growth broadens and fee revenue rises |
Latest beats and misses
Who reports nextBeat on EPS
- RFY2026 Q3 · October 22, 2026+4.3% EPS+10.5% move
- WDCFY2027 Q1 · October 22, 2026+12.9% EPS-6.4% move
- NEMFY2026 Q3 · October 22, 2026+12.2% EPS-2.6% move
- MEDPFY2026 Q3 · October 21, 2026+9.0% EPS-1.3% move
- MOHFY2026 Q3 · October 21, 2026+12.7% EPS+0.8% move
- PNFPFY2026 Q3 · October 21, 2026+2.7% EPS+2.3% move
Missed on EPS
- ROLFY2026 Q3 · October 21, 2026-1.4% EPS+5.6% move
- GGGFY2026 Q3 · October 21, 2026-2.5% EPS-16.6% move
- GL-PDFY2026 Q3 · October 21, 2026-1.2% EPS— move
- GLFY2026 Q3 · October 21, 2026-1.2% EPS-3.8% move
- METAFY2026 Q3 · October 21, 2026-41.4% EPS+0.5% move
- LVSFY2026 Q3 · October 21, 2026-20.9% EPS-1.7% move
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Sources
- Earnings call transcript and parsed analysis · 2026-10-22T17:13:33.845190+00:00
- FN2 earnings calendar · 2026-10-23T01:23:12.835668+00:00
- Polygon adjusted daily market bars · 2026-10-23T02:00:41.185330+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-23T02:00:41.182462+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-23. For educational purposes only; not investment advice.