SouthState is a regional bank headquartered in Winter Haven, Florida, with roughly $67B in assets and a 342-branch network across Florida, South Carolina, Texas, Georgia, Colorado, North Carolina, Alabama, and Virginia. Its core business is taking deposits and making loans to retail and commercial customers. The loan book is weighted toward commercial real estate (58% of loans), followed by residential real estate (21%) and C&I loans (19%). SouthState emphasizes relationship-driven, locally managed commercial banking, with bankers expected to serve as advisors offering loans, deposits, and treasury management products. Beyond core banking, SouthState runs a correspondent banking and capital markets division serving over 1,200 community banks, credit unions, and money managers, generating revenue from fixed income sales, interest rate hedging, loan brokerage, and deposit services. SouthState also offers wealth management through SouthState Private Capital Management, plus smaller mortgage banking, broker-dealer, and factoring businesses. SouthState's most recent major deal was the acquisition of Independent Bank Group, closed January 2025, which added roughly $20B in assets and expanded SouthState into Texas and Colorado. Organic growth priorities now center on hiring commercial relationship managers, building out C&I and middle market lending in Texas and Colorado, and expanding product capabilities including FX and syndicated loan servicing. SouthState targets a sub-50% efficiency ratio and mid-to-upper single-digit loan growth, with capital returned through dividends and buybacks.