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SouthState SSB Reserve For Unfunded Commitments

Reserve For Unfunded Commitments at other companies

Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$650K
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
-$650K
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%
SB Financial Group logo
SB Financial GroupSBFG
-$99K+66.7%

Other financials

Income statement

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Revenue$672.7M+1.2%
Net income$230.0M+6.9%
EPS (diluted)$2.35+11.4%

Balance sheet

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Cash & equivalents$2.4B-32.2%
Total debt$520.5M+6.6%
Total equity$9.1B+3.8%
Total assets$68.9B+4.6%

Cash flow

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Operating cash flow$299.0M+337%
CapEx$16.1M+25.3%
Free cash flow$283.0M+303%

Valuation

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Market cap$10.53B+11.8%
P/E11.1×-4.8×
P/S3.9×-0.5×

Profitability

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Net margin34.9%+7.7pp
FCF margin24.1%

Returns & leverage

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Return on equity10.6%+2.4pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by SouthState in its filing.

Tagged under the XBRL concept ssb:ReserveForUnfundedCommitments.

The source filing: SouthState’s 10-Q, filed May 1, 2026.

Filed
May 1, 2026, 9:00 AM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-053548
Line itemMarch 31, 2026December 31, 2025
Federal funds purchased343,758306,841
Securities sold under agreements to repurchase299,628311,374
Corporate and subordinated debentures696,642696,536
Reserve for unfunded commitments69,22969,619
Derivative liabilities562,406554,748
Other liabilities1,100,9811,053,389
Total liabilities58,948,30758,138,304
Shareholders’ equity:

Item 1. Financial Statements (unaudited)

FAQ

What is SouthState's reserve for unfunded commitments?
SouthState (SSB) reported reserve for unfunded commitments of $69.23M in Q1 2026.
How has SouthState's reserve for unfunded commitments changed year-over-year?
SouthState's reserve for unfunded commitments increased by 11.2% year-over-year, from $62.25M to $69.23M.
What is the long-term trend for SouthState's reserve for unfunded commitments?
Over 5 years (2020 to 2025), SouthState's reserve for unfunded commitments has grown at a 9.9% compound annual growth rate (CAGR), from $43.38M to $69.62M.
What does reserve for unfunded commitments mean?
A liability account representing the estimated credit losses associated with off-balance sheet loan commitments, such as lines of credit. This ensures the bank is adequately prepared for potential future drawdowns by borrowers.

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