HIGHBuilt-inLoan_portfolio
58%
commercial real estate loans
“10-K Item 1: '$28.0 billion, or 58%, of our loan portfolio consisted of loans secured by commercial real estate'”
SSB · Concentration risk · 10-K extracted
SouthState Bank (SSB) concentration risks
Updated
The most significant concentration SouthState Bank discloses is commercial real estate loans at 58%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: SouthState Bank’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM0
LOW2
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
LOWBuilt-inLoan_portfolio
21%
residential real estate loans
“10-K Item 1: '$10.5 billion, or 21%, of our loan portfolio consisted of residential real estate loans'”
LOWBuilt-inLoan_portfolio
19%
commercial and industrial loans
“10-K Item 1: '$9.2 billion, or 19%, of our loan portfolio consisted of commercial and industrial loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed loan portfolio concentration is dominated by commercial real estate, which represented 58% of the loan portfolio — a high-share, structural exposure reflecting the bank's deliberate emphasis on real estate-secured commercial lending. This is the most material single concentration in the disclosed profile, and its structural character means it follows from the company's business model and underwriting focus rather than from reliance on any individual borrower. Commercial real estate performance is sensitive to interest rates, property valuations, occupancy trends, and the creditworthiness of commercial tenants, all of which can move in correlation during economic downturns. Residential real estate loans represented 21% of the loan portfolio, a lower-share, structural complement to the commercial book. This category adds some product diversification within the real estate exposure, though it similarly moves with property markets and interest rate conditions. Commercial and industrial loans rounded out the disclosed mix at 19% of the portfolio, also a lower-share structural exposure that provides modest diversification into non-real-estate credit. Taken together, the loan portfolio is heavily oriented toward real estate collateral across both commercial and residential categories, with commercial real estate as the dominant component. The concentration profile is characteristic of a regionally focused commercial bank and is well-disclosed, but it does mean credit outcomes are meaningfully sensitive to real estate market cycles. No single named borrower, customer, or geographic sub-market concentration is disclosed above a threshold in the source claims.
For the engine’s reasoning on SSB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| SSB● | SouthState Bank Corporation | 1 | 0 | 2 | 3 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.