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SouthState Bank Rates & Review September 2026

Item: SouthState Bank
Rating: 5
Author: William Hightower

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

SouthState Bank's Auto Loan Rates are as low as 5.23%. MonitorBankRates evaluates the financial stability of SouthState Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.96%. Rates last updated and verified on 09/23/2026.

SouthState Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SouthState Bank? Share your experience about SouthState Bank by leaving a review below, or read customer reviews before you decide to use SouthState Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.96%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SouthState Bank, National Association

1101 1st St S
Winter Haven, FL 33880

https://www.southstatebank.com

SouthState Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Cars Loan	-	-	5.23%	72 months
Details As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
New Cars Loan	-	-	5.70%	84 months
Details As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%
Used Cars Loan	-	-	6.05%	72 months
Details As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Last Updated 09/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SouthState Bank’s Texas Ratio stayed near 3.02% in Q3 2023 to 2.96% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$68.8B	2.96%	5.0	A+
March 31, 2026	$67.9B	3.42%	5.0	A+
December 31, 2025	$67.2B	3.21%	5.0	A+
September 30, 2025	$66.0B	3.34%	5.0	A+
June 30, 2025	$65.9B	3.45%	5.0	A+
March 31, 2025	$65.1B	3.02%	5.0	A+
December 31, 2024	$46.4B	3.45%	5.0	A+
September 30, 2024	$46.1B	3.08%	5.0	A+
June 30, 2024	$45.5B	3.35%	5.0	A+
March 31, 2024	$45.1B	3.00%	5.0	A+
December 31, 2023	$44.9B	3.17%	5.0	A+
September 30, 2023	$45.0B	3.02%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for SouthState Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather SouthState Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SouthState Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SouthState Bank

Bank Holding Company SOUTHSTATE BANK CORP

Address 1101 1st St S, Winter Haven, FL 33880 · Polk

Website https://www.southstatebank.com

FDIC Certificate # 33555

Established 19920221

FDIC Insurance Date 19920221

Domestic Offices 374

Total Branches 373

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.96%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4161%

Return on Equity (ROE) 9.9700%

Non-Performing Loans (NPL) 0.40%

Total Assets $68,794,317,000

Total Deposits $56,375,284,000

Equity Capital $9,699,275,000

Net Income $481,109,000

Headquarters Winter Haven

Total Branches and Offices 374

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SouthState Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/southstate-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

William Hightower

★★★★★

April 29, 2024

Awesome friendly banking with competitive rates. Easy to do business with.

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Want to discuss SouthState Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for SouthState Bank

Frequently Asked Questions About SouthState Bank

How many branches does SouthState Bank operate?

SouthState Bank currently maintains approximately 373 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, SouthState Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SouthState Bank provides members with tools to manage their accounts and build a solid financial history.

Does SouthState Bank offer online and mobile banking?

Most modern institutions like SouthState Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southstatebank.com.