0001104659-26-089026
SEC filingSouthState 二季度净利增 6.9% 至 $230.0M，费用下降与回购驱动 EPS 增 11.4%。
| 指标 | 本期 | 去年同期 | 同比 |
|---|---|---|---|
| Net Interest Income | $575.9M | $577.9M | -0.3% |
| Net Interest Margin (Non-TE) | 3.78% | 4.02% | -24bps |
| Noninterest Income | $96.7M | $86.8M | +11.4% |
| Noninterest Expense | $357.7M | $375.1M | -4.6% |
| Net Income | $230.0M | $215.2M | +6.9% |
| Diluted EPS | $2.35 | $2.11 | +11.4% |
| Efficiency Ratio | 50.0% | 52.7% | -270bps |
SouthState 二季度净利 $230.0M，同比增 6.9%，主要受 Noninterest expense 下降 $17.3M（-4.6%）驱动，其中 Merger 相关费用减少 $24.4M 是最大贡献。Noninterest income 增 $9.9M，Correspondent banking and capital markets income 增 $7.0M，反映 swap 活动增加。Net interest income 微降 $2.0M，因 Net interest margin 降 24bps 至 3.78%，主因贷款收益率下降（acquired loans 收益率降 63bps，loan accretion 减少约 $30.5M）和低利率环境，部分被资金成本下降 10bps 抵消。盈利质量良好，无一次性项目，ACL 覆盖率 213.79%，NPA 降至 $287.4M。
| 分部 | 营收 | 同比 | 经营利润/EBITDA | 利润率 | 驱动 |
|---|---|---|---|---|---|
| General Banking Unit | $838.3M | -0.3% | $299.0M | 35.7% | 费用下降与收入增长 |
| 项目 | 本期 | 上期/变化 |
|---|---|---|
| Total Assets | $68.9B | +2.5% |
| Loans, net | $50.3B | +4.7% |
| Total Deposits | $56.3B | +2.2% |
| Total Shareholders' Equity | $9.1B | +0.8% |
| Operating Cash Flow | $573.2M | +$626.8M |
| Capex | $29.9M | -$3.0M |