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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

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FORM 8-K

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現行レポート

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1934年証券取引所法第13条または第15条(d)に基づく

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報告日（最も古いイベントの報告日）：2025年10月22日

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SOUTHSTATE BANK CORPORATION

(定款に明記された登録者の正確な名称)

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(863) 293-4710

(登録者の電話番号（市外局番を含む）

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Not Applicable

(旧姓または旧住所（前回の報告から変更されている場合)

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フォーム8-Kの提出が、以下のいずれかの規定（以下の一般的説明A.2.を参照）に基づく登録者の提出義務を同時に満たすことを意図している場合は、以下の該当するボックスにチェックしてください：

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☐ 証券法の規則425（17 CFR 230.425）に基づく書面によるコミュニケーション

☐ 取引所法の規則14a-12（17 CFR 240.14a-12）に基づく資料の勧誘

☐ 取引所法の規則14d-2(b)(17 CFR 240.14d-2(b))に基づく開始前のコミュニケーション

☐ 取引所法の規則13e-4(c)(17 CFR 240.13e-4(c))に基づく開始前のコミュニケーション

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法第12条(b)に従って登録された証券：

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登録者が1933年証券法規則405（本章230.405節）または1934年証券取引法規則12b-2（本章240.12b-2節）で定義される新興成長企業であるかどうかをチェックマークで示す。

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Emerging growth company       ☐

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新興成長企業の場合、登録者が取引所法第13条(a)に従い提供される新規または改訂された財務会計基準に準拠するための移行期間の延長を利用しないことを選択した場合は、チェックマークで示す。☐

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2025年10月22日、サウスステート・バンク・コーポレーション（以下「サウスステート」または「当行」）は、2025年9月30日に終了した3ヶ月間および9ヶ月間の決算、ならびにその他の財務情報を発表するプレスリリースを発表した。当社のプレスリリースおよびプレゼンテーションのコピーは、それぞれ本レポートの別紙99.1および99.2として添付され、参照することにより本レポートに組み込まれる。

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サウスステートは2025年10月23日午前9時（米国東部時間）より、当社の2025年第3四半期業績に関する電話会議を開催する。米国内は(888) 350-3899、それ以外の地域は(646) 960-0343（パスコード4200408、ホスト：ウィル・マシューズCFO）。海外からの参加者の電話番号は https://events.q4irportal.com/custom/access/2324/ に掲載されている。また、参加者は https://events.q4inc.com/attendee/241144230 にアクセスして会議の事前登録を行うこともできる。アクセス方法の詳細は、登録完了後にEメールでお知らせします。

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2025年10月22日、当社はまた、2025年10月23日の決算電話会議において、プレスリリースとともに使用するために作成したプレゼンテーション（以下「プレゼンテーション」）を公開した。本書に添付され、別紙99.2としてここに組み込まれているのは、そのプレゼンテーションの本文である。

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本有価証券報告書の本項目7.01に記載された情報は、本有価証券報告書の別紙99.2として提出され、本有価証券報告書に組み込まれたプレゼンテーションに記載された情報を含め、「提供」されたものであり、証券取引法第18条において「提出」されたものとはみなされず、また同条の責任を問われるものではなく、証券取引法または証券取引法に基づき提出された登録届出書またはその他の書類に参照により組み込まれることはありません。

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2025年第4四半期の株主配当

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当社の取締役会は、2025年11月7日現在の株主名簿に記録された株主に対し、2025年11月14日に支払う、普通株式に対する1株当たり0.60ドルの四半期現金配当を宣言した。

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将来の見通しに関する記述についての注意事項

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本コミュニケーションに含まれる記述のうち、歴史的事実でないものは、1933年証券法第27a条および1934年証券取引法第21e条によるセーフハーバーの目的上、将来予想に関する記述とされ、ここに明記されるものです。将来予想に関する記述は、特に、金融サービス業界、経済およびsouthstateに関する経営陣の信念、仮定、現在の期待、見積もりおよび予測に基づいています。可能性がある」、「おおよそ」、「継続する」、「はずである」、「期待する」、「計画する」、「予想する」、「可能性が高い」、「先を見通す」、「信じる」、「予定する」、「意図する」、「推定する」、「戦略」、「計画」、「可能性」、「可能性」などの言葉およびその変化形ならびに類似表現は、かかる将来に関する記述であるとする意図を有するものです。

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SouthState Bank Corporation (“SouthState” or the “Company”) cautions readers that forward looking statements are subject to certain risks, uncertainties and assumptions that are difficult to predict with regard to, among other things, timing, extent, likelihood and degree of occurrence, which could cause actual results to differ materially from anticipated results. Such risks, uncertainties and assumptions, include, among others, the following: (1) economic volatility risk, including as a result of monetary, fiscal, and trade law policies, such as tariffs, and inflation, potentially resulting in higher rates, deterioration in the credit markets, greater than expected noninterest expenses, excessive loan losses, or on the other hand lower rates, which also may have other negative consequences, which risks could be exacerbated by potential negative economic developments resulting from federal spending cuts and/or one or more federal budget-related impasses or actions; (2) risks related to the ability of the Company to pursue its strategic plans which depend upon certain growth goals in our lines of business; (3) risks related to the merger and integration of SouthState and Independent Bank Group, Inc. (“Independent” or “IBTX”) including, among others, (i) the risk that the cost savings and any revenue synergies from the merger may not be fully realized or may take longer than anticipated to be realized, (ii) the risk that the integration of Independent’s operations into SouthState’s operations will be materially delayed or will be more costly or difficult than expected or that the parties are otherwise unable to successfully integrate Independent’s businesses into SouthState’s businesses, (iii) the amount of the costs, fees, expenses and charges related to the merger, and (iv) reputational risk and the reaction of each company's customers, suppliers, employees or other business partners to the merger; (4) risks relating to the ability to retain our culture and attract and retain qualified people as we grow and are located in new markets, and being able to offer competitive salaries and benefits, including flexibility of working remotely or in the office; (5) deposit attrition, client loss or revenue loss following completed mergers or acquisitions that may be greater than anticipated; (6) credit risks associated with an obligor’s failure to meet the terms of any contract with SouthState Bank, N.A. (the “Bank”) or otherwise fail to perform as agreed under the terms of any loan-related document; (7) interest rate risk primarily resulting from our inability to effectively manage the risk, and their impact on the Bank’s earnings, including from the correspondent and mortgage divisions, housing demand, the market value of the Bank’s loan and securities portfolios, and the market value of SouthState’s equity; (8) inflationary risks negatively impacting our business and profitability, earnings and budgetary projections, or demand for our products and services; (9) a decrease in our net interest income due to the interest rate environment; (10) liquidity risk affecting the Bank’s ability to meet its obligations when they come due; (11) unexpected outflows of uninsured deposits may require us to sell investment securities at a loss; (12) potential deterioration in real estate values; (13) the loss of value of our investment portfolio could negatively impact market perceptions of us and could lead to deposit withdrawals; (14) price risk focusing on changes in market factors that may affect the value of traded instruments in “mark-to-market” portfolios; (15) transaction risk arising from problems with service or product delivery; (16) the impact of increasing digitization of the banking industry and movement of customers to on-line platforms, and the possible impact on the Bank’s results of operations, customer base, expenses, suppliers and operations; (17) controls and procedures risk, including the potential failure or circumvention of our controls and procedures or failure to comply with regulations related to controls and procedures; (18) volatility in the financial services industry (including failures or rumors of failures of other depository institutions), along with actions taken by governmental agencies to address such turmoil, could affect the ability of depository institutions, including us, to attract and retain depositors and to borrow or raise capital; (19) the impact of competition with other financial institutions, including deposit and loan pricing pressures and the resulting impact, including as a result of compression to net interest margin; (20) compliance risk involving risk to earnings or capital resulting from violations of or nonconformance with laws, rules, regulations, prescribed practices, or ethical standards, and contractual obligations regarding data privacy and cybersecurity; (21) regulatory change risk resulting from new laws, rules, regulations, accounting principles, proscribed practices or ethical standards, including, without limitation, the possibility that regulatory agencies may require higher levels of capital above the current regulatory-mandated minimums and including the impact of special FDIC assessments, the Consumer Financial Protection Bureau regulations or other guidance, and the possibility of changes in accounting standards, policies, principles and practices; (22) risks related to the legal, regulatory, and supervisory environment, including changes in financial services legislation, regulation, policies, or government officials or other personnel; (23) strategic risk resulting from adverse business decisions or improper implementation of business decisions; (24) reputation risk that adversely affects earnings or capital arising from negative public opinion including the effects of social media on market perceptions of us and banks generally; (25) cybersecurity risk related to the dependence of SouthState on internal computer systems and the technology of outside service providers, as well as the potential impacts of internal or external security breaches, which may subject the Company to potential business disruptions or financial losses resulting from deliberate attacks or unintentional events; (26) reputational and operational risks associated with environment, social and governance (ESG) matters, including the impact of changes in federal and state laws, regulations and guidance relating to climate change; (27) excessive loan losses; (28) reputational risk and possible higher than estimated reduced revenue from previously announced or proposed regulatory changes in the Bank’s consumer programs and products; (29) operational, technological, cultural, regulatory, legal, credit and other risks associated with the exploration, consummation and integration of potential future acquisitions, whether involving stock or cash consideration; (30) catastrophic events such as hurricanes, tornados, earthquakes, floods or other natural or human disasters, including public health crises and infectious disease outbreaks, as well as any government actions in response to such events, and the related disruption to local, regional and global economic activity and financial markets, and the impact that any of the foregoing may have on SouthState and its customers and other constituencies; (31) geopolitical risk from terrorist activities and armed conflicts that may result in economic and supply disruptions, and loss of market and consumer confidence; (32) the risks of fluctuations in market prices for SouthState common stock that may or may not reflect economic condition or performance of SouthState; (33) the payment of dividends on SouthState common stock, which is subject to legal and regulatory limitations as well as the discretion of the board of directors of SouthState, SouthState’s performance and other factors; (34) ownership dilution risk associated with potential acquisitions in which SouthState’s stock may be issued as consideration for an acquired company; and (35) other factors that may affect future results of SouthState, as disclosed in SouthState’s Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K, filed by SouthState with the U.S. Securities and Exchange Commission (“SEC”) and available on the SEC’s website at http://www.sec.gov, any of which could cause actual results to differ materially from future results expressed, implied or otherwise anticipated by such forward-looking statements.

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全ての将来予想に関する記述は、それらが作成された時点のものであり、その時点で入手可能な情報に基づくものです。southstateは、連邦証券法によって要求される場合を除き、新しい情報、将来の出来事、またはその他の結果であっても、将来予想に関する記述を更新または修正する義務を負わないものとします。将来予想に関する記述は、重大なリスクと不確実性を伴うため、そのような記述を過度に信頼しないよう注意する必要があります。

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SIGNATURES

1934年証券取引法の要件に従い、登録者は本報告書に正式に権限を付与された署名者により、登録者を代表して署名させた。

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Dated: October 22, 2025

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