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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Southstate Bank N.A.

Winter Haven, Florida · $68.79B in assets · beside the 6 other Florida banks over $10B

The filing

281.0%
CRE / capital
7th of 7
14.1%
Equity / assets
2nd of 7
0.54%
NPA / loans
2nd of 7

Southstate Bank N.A. is the largest of the 7 Florida banks over $10B, with $68.79B in assets at 30 June 2026. Loans are 90.9% of deposits, 5th of 7 against a median of 89.8%, and equity is 14.1% of assets, 2nd of 7. Loans grew +7.7% in the year, 3rd of 7, and deposits grew 4.0%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.54% of the book, 2nd of 7 against a median of 0.81%; 0.18% is 30 to 89 days past due, and the allowance covers them 2.1 times. Commercial real estate is 39.8% of loans, 6th of 7 against a median of 34.7%, and 281% of capital, below the 300% screen, with construction at 40% against the 100% screen. CRE has grown +80.8% over 36 months, past the guidance's 50% prong.

Return on assets is 1.41%, 2nd of 7 against a median of 0.99%, on an efficiency ratio of 52.7%, 4th of 7. Five years ago it was 1.34%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 218% RJ Raymond James Bank 121% EN Everbank National Association 169% BN Bankunited National Association 194% AB Amerant Bank National Association 218% SN Seacoast National Bank 230% CN City National Bank of Florida 258% SB Southstate Bank N.A. 281%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

SBA 7(a), FY2008 to FY2026

Southstate Bank N.A. is the 8th largest 7(a) lender into Florida of 528, with $700M across 1,040 loans, 2.4% of everything approved in the state (Live Oak Banking Company leads with $1.78B). 214 of its 493 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Florida, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fulton, GA$182M3rd of 2115.7%-4.3 pts
Harris, TX$158M13th of 3141.9%+0.0 pts
Tarrant, TX$95M9th of 2812.5%-1.9 pts
Larimer, CO$74M1st of 1339.7%-14.1 pts
Cobb, GA$73M4th of 1824.3%-2.2 pts
Manatee, FL$68M1st of 1329.7%-3.8 pts
Sarasota, FL$66M1st of 1388.2%-6.5 pts
Dekalb, GA$66M4th of 1514.2%+1.8 pts
Hillsborough, FL$61M9th of 1952.8%-4.1 pts
Denver, CO$58M11th of 1933.0%-1.5 pts
Dallas, TX$57M27th of 3141.0%-0.9 pts
Weld, CO$56M2nd of 1069.0%-11.4 pts
Gwinnett, GA$54M11th of 1692.3%+0.2 pts
480 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services760$623M19.7%0.81%25th of 2,596
Health care & social assistance541$415M13.1%0.88%19th of 2,172
Retail trade509$318M10.1%0.52%40th of 2,589
Other services485$293M9.3%0.84%23rd of 2,248
Manufacturing295$258M8.2%0.65%29th of 2,246
7(a) lenders into Florida, share of approvals since FY2008528 lenders on record; the ten largest and Southstate Bank N.A.
LO Live Oak Banking Company 6.1% $1.78B · 1,383 loans TB Truist Bank 4.5% $1.31B · 2,609 loans WF Wells Fargo Bank National Associa… 4.3% $1.25B · 5,346 loans TB TD Bank, National Association 3.5% $1.03B · 6,653 loans TH The Huntington National Bank 3.3% $954M · 2,284 loans NB Newtek Bank, National Association 2.6% $757M · 1,920 loans NS Newtek Small Business Finance, In… 2.5% $728M · 1,047 loans SB Southstate Bank, National Associa… 2.4% $700M · 1,040 loans RL Readycap Lending, LLC 2.1% $615M · 1,593 loans PB Pinnacle Bank 2.1% $609M · 729 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Southstate Bank N.A.RankCohort median
Total CRE against capital, the 300% screen281%7th of 7218%
Construction against capital, the 100% screen40%5th of 740%
Construction and land development, share of loans5.7%4th of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans28.8%6th of 723.2%
Total CRE, the guidance definition, share of loans39.8%6th of 734.7%
CRE growth over 36 months, the third prong+80.8%7th of 7+20.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Southstate Bank N.A.Cohort median
20212026Change20212026Change
Loans$24.20B$51.25B+112%$22.89B$23.93B+5%
Deposits$33.28B$56.38B+69%$27.00B$29.09B+8%
NPA / loans0.35%0.54%+0.18 pts0.71%0.81%+0.09 pts
Efficiency68.6%52.7%-15.8 pts55.1%52.7%-2.4 pts
ROA1.34%1.41%+0.07 pts1.19%0.99%-0.20 pts

This read was prepared for Southstate Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Southstate Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks over $10B
Institution www.southstatebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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