SouthState Corp. (SSB) reported significant organic growth, with revenues increasing at a five-year compound annual growth rate (CAGR) of 18.7% from 2020 to 2025. In the first quarter of 2026, both loans and revenues rose year-over-year, while loan pipelines reached $6.4 billion—doubling in size. Notably, loan production in Texas and Colorado saw more than a 100% increase year-over-year, totaling $1.1 billion, largely due to the Independent Bank acquisition.
Key financial metrics indicate that net interest income (NII) also grew, with a CAGR of 22.7% over the last five years. The company anticipates that average interest-earning assets will be between $61 billion and $62 billion in 2026, with NII projected to range between 3.80% and 3.90%. Additionally, loan growth is expected to continue in the mid to upper single digits for the same year, as indicated by the Zacks Consensus Estimate, which projects revenue increases of 2.2% and 7.5% for 2026 and 2027, respectively.
For future stability, SouthState is focusing on managing funding and deposit costs post-Federal Reserve rate cuts in 2024 and 2025. The company is also expanding its non-interest income base, which recorded a CAGR of 3.9% over the last five years and increased in the first quarter of 2026, driven by growth in correspondent banking and capital markets.
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