SouthState: 3 Key Takeaways for Long-Term Investors

SouthState reported strong Q3 2026 results with 9% annualized loan and deposit growth and maintained a 3.8% net interest margin. The bank increased floating-rate loans to 39% of its portfolio to protect against rate volatility, expanded its commercial banking team by 10% which generated $1 billion in new loans, and demonstrated consistent credit discipline with net charge-offs below 10 basis points for nine of the last ten quarters. Management is shifting focus toward expanding sales teams in high-growth Southeastern markets.