# SouthState Bank competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/southstate/competitors
Last updated: Oct 19, 2026

*Part of the [SouthState Bank AI strategy profile](https://www.bankingnewsai.com/banks/southstate). Peer group: Pinnacle Financial Partners, First Horizon, Regions Financial, Atlantic Union Bankshares, Hancock Whitney, United Community Banks, Ameris Bancorp, Seacoast Banking Corporation of Florida.*

## Who are SouthState Bank's competitors, and what are the alternatives?

SouthState's 2025 10-K, filed February 20, 2026, says it competes with national banks, super-regional banks, community banks, internet-based banks, credit unions and non-bank lenders across a 342-branch network in Florida, South Carolina, Texas, Georgia, Colorado, North Carolina, Alabama and Virginia. In its home markets the largest rivals are the national and super-regional banks: Truist ranks 1st by deposit share in Georgia, 3rd in South Carolina and 4th in Florida, and Regions runs 270 Florida branches and is adding 150 branches in Florida, Georgia and Tennessee. SouthState's own June 2026 deck ranks it #2 among regional banks in Central Florida and on Colorado's Front Range, #1 in the Coastal South and #4 in Texas and the Atlanta-Charlotte corridor, a ranking that leaves out banks over $250 billion. In commercial banking the rivalry is with banks being reshaped by mergers: Synovus, Cadence and Comerica, all in SouthState's 2026 proxy peer group, were absorbed by Pinnacle, Huntington and Fifth Third, and the CEO says that disruption lets SouthState hire bankers. In Texas, Frost is adding branches and in Colorado PNC has converted FirstBank. Its correspondent division, serving over 1,200 institutions, meets First Horizon's FHN Financial. The non-bank rivals are clearest in everyday banking and payments: Chime, with 10.4 million active members in June 2026, sells a branchless account, and Block lists banks among the competitors of Square and Cash App. In digital reach the national banks lead: Bank of America counts 60 million digital clients and Chase 74.6 million active digital customers. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/southstate-ssb-q1-2026-earnings-143200598.html), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm))

## What does SouthState say about its competition?

"Our profitability depends principally on our ability to compete effectively in the markets in which we conduct business. In the financial services industry, market demands, technological and regulatory changes and economic pressures have increased competition among banks, as well as other financial institutions. Competition may further intensify as additional companies enter the markets where we conduct business, and we enter mature markets in accordance with our expansion strategy." ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

"We experience strong competition from both bank and non-bank competitors. We compete with national banks, super-regional banks, smaller community banks, nontraditional internet-based banks, credit unions, insurance companies and government sponsored entities. We also compete with other financial intermediaries and investment alternatives such as mortgage companies, credit card issuers, leasing companies, finance companies, money market mutual funds, brokerage firms, governmental and corporation bonds, and other securities firms." ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

"We encounter strong competition in making loans and attracting deposits. We compete with other financial institutions to offer customers competitive interest rates on deposit accounts, competitive interest rates charged on loans and other credit products and reasonable service charges. In addition, we also compete based on the quality and scope of the services we provide and the convenience of our banking facilities, compared to our competitors. The larger national and super-regional banks may have significantly greater lending limits and may offer additional products. However, by emphasizing customer service and by providing a wide variety of services, we believe that our Bank has generally been able to compete successfully with our competitors, regardless of their size." ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

"Technological advances have made it possible for our competitors, including nonbank competitors, to offer products and services that traditionally were banking products and for financial institutions and other companies to provide electronic and internet-based financial solutions, including online deposit accounts, electronic payment processing and marketplace lending, without having a physical presence where their customers are located. Moreover, technological change has introduced new technology-driven products and services, including innovative ways that customers can make payments or manage their accounts, such as through the use of mobile payments, digital wallets, or digital assets. In addition, many of our non-bank competitors are not subject to the same extensive federal regulations that govern bank holding companies and federally insured banks. In many cases, our competitors have substantially greater resources and lending limits and offer certain services that we do not currently provide." ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

From the risk factors of the same 10-K: "Competitors with greater resources or more advanced technology may possess an advantage by being capable of maintaining numerous and more convenient banking locations, easy to use and available mobile and computer apps or Internet platforms, operating more ATMs and conducting extensive promotional and advertising campaigns." (2025 Form 10-K, filed February 20, 2026.) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

## Who competes with SouthState in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: the Southeast, Texas and Colorado | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Truist's 2025 10-K ranks it 1st by deposit share in Georgia, 2nd in North Carolina, 3rd in South Carolina and Virginia and 4th in Florida (FDIC data, June 30, 2025), with 441 Florida, 202 Georgia and 95 South Carolina branches, all states in SouthState's footprint. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Home region: the Southeast, Texas and Colorado | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Regions ran 270 branches in Florida, 184 in Alabama, 117 in Georgia and 85 in Texas at December 31, 2025, and in March 2026 accelerated a plan for 150 new branches in Florida, Georgia and Tennessee as Southeast competition intensifies. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/)) |
| Home region: the Southeast, Texas and Colorado | [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | Bank | Hancock Whitney bought Orlando's One Florida Bank for about $377.6 million in cash, closing on August 1, 2026; SouthState ranks #2 among regional banks in Central Florida with $12 billion of deposits. ([American Banker](https://www.americanbanker.com/news/hancock-whitney-inks-deal-to-buy-orlando-community-bank), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Home region: the Southeast, Texas and Colorado | [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Bank | Seacoast had 104 branch offices in Florida and Georgia at December 31, 2025, and completed its roughly $829 million purchase of the bank of The Villages on October 1, 2025, adding scale in Florida, SouthState's largest state by staff. ([Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000162828026012787/sbcf-20251231.htm), [Seacoast Banking Corporation of Florida (SEC filings)](https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Home region: the Southeast, Texas and Colorado | [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Bank | In Texas, where SouthState ranks #4 among regional banks in the Texas Triangle with $8 billion of deposits, Frost planned about 15 new branches and 150 hires for 2026 and said it is targeting customers disrupted by rivals' mergers. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Home region: the Southeast, Texas and Colorado | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | PNC's FirstBank acquisition gave it a Colorado footprint, and in June 2026 it converted FirstBank's 780,000 customers and 95 branches; SouthState ranks #2 among regional banks on Colorado's Front Range with $4 billion of deposits. ([The Wall Street Journal](https://www.wsj.com/finance/banking/the-ceo-who-wants-to-double-the-size-of-his-bank-to-1-trillion-fa5fa70f), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Home region: the Southeast, Texas and Colorado | [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Bank | Richmond-based Atlantic Union is opening 10 North Carolina branches, seven in Raleigh and three in Wilmington, the first in July 2026; SouthState operates in both North Carolina and Virginia. ([American Banker](https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth), [Investing.com](https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Retail deposits, checking and everyday digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | A national bank of the kind SouthState's 10-K says may hold an advantage through more convenient locations and easy-to-use apps: 3,500 financial centers, about 15,000 ATMs and 60 million clients using its digital capabilities. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits, checking and everyday digital banking | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Chase reported 74.6 million active digital customers, 61.7 million active mobile customers and 5,083 branches in 2025, the scale SouthState's 10-K names as a competitive advantage of larger rivals. ([JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Retail deposits, checking and everyday digital banking | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | One of the national banks SouthState's 10-K names as a competitor class; it reported more than 33 million mobile active users in February 2026. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) |
| Retail deposits, checking and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A nontraditional internet-based bank of the kind SouthState's 10-K lists; Chime's own 10-K claims 'a significant cost advantage compared to traditional banks' by avoiding branches and ATMs, and it had 10.4 million active members at June 30, 2026. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits, checking and everyday digital banking | [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Fintech | Block's 2025 10-K lists banks among Cash App's competitors in peer-to-peer payments and debit cards; Cash App had 59 million monthly transacting actives in December 2025, in each of the 50 states. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm)) |
| Retail deposits, checking and everyday digital banking | Credit unions in the footprint | Credit union | SouthState's 10-K names credit unions among its competitors and says many competitors are 'well-established, larger financial institutions and credit unions'. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Small business banking and merchant services | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Bank of America calls itself the number one small business lender in the US, citing FDIC data, serving 4 million small businesses; SouthState was tied for the most Coalition Greenwich Best Bank awards in US small-business banking in March 2025. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [SouthState Bank via PR Newswire](https://www.prnewswire.com/news-releases/southstate-named-a-top-3-bank-in-the-nation-for-small-business--middle-market-banking-leads-us-in-best-bank-awards-for-small-business-banking-302412667.html)) |
| Small business banking and merchant services | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists 'banks that provide payment processing, checking, savings, loans, and payroll' among Square's competitors; SouthState sells merchant services and treasury management to business clients. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Commercial and middle-market banking | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Bank | Pinnacle and Synovus, both in SouthState's 2026 proxy peer group, merged on January 1, 2026 into a bank with 400-plus locations in nine states; Pinnacle reported 50 Coalition Greenwich Best Bank awards for its legacy banks in February 2026, when SouthState reported 29. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country), [SouthState Bank via PR Newswire](https://www.prnewswire.com/news-releases/southstate-earns-2nd-highest-awards-for-best-bank-across-us-302685861.html)) |
| Commercial and middle-market banking | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Fifth Third absorbed Comerica, a member of SouthState's 2026 proxy peer group, and in September 2026 moved 293 Comerica banking centers in Arizona, California, Florida, Michigan and Texas onto its platforms. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Commercial and middle-market banking | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | Huntington bought Cadence Bank, a member of SouthState's 2026 proxy peer group, closing on February 2, 2026 with 390 Cadence branches, after buying Dallas-based Veritex in October 2025; its CEO calls Texas a springboard. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Huntington (PR Newswire)](https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html)) |
| Commercial and middle-market banking | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | A member of SouthState's 2026 proxy peer group with 1,247 branch outlets across the South, Midwest and Texas, and a direct rival for commercial clients in Florida, Alabama and Georgia. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |
| Correspondent banking and capital markets for community banks | [First Horizon (FHN Financial)](https://www.bankingnewsai.com/banks/first-horizon) | Bank | First Horizon's 2025 10-K says its fixed income business serves depositories including banks, thrifts and credit unions, and lists correspondent banking among its wholesale lines; SouthState's correspondent division serves over 1,200 community financial institutions, credit unions and money managers. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |

## How do the AI and digital offerings of SouthState's competitors compare?

SouthState first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [SouthState Bank (this page)](https://www.bankingnewsai.com/banks/southstate) | Copilot at scale, tested models, and Fiserv agentOS agents ([SouthState Correspondent Division](https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear), [American Banker](https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies), [American Banker](https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot (12.5 million+ requests from 2023 to March 2026) and Truist Insights personalization ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | In-house native app (July 2025) with personalized insights (July 2026); 2.7 million active mobile users ([Banking Dive](https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [Hancock Whitney](https://www.bankingnewsai.com/banks/hancock-whitney) | New MX-built mobile app, rated sixth best among banks and credit unions per an MX session description (June 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/pam-hymel)) | [Index 37.4 (#78); 11 use cases, 5 in production](https://www.bankingnewsai.com/banks/hancock-whitney) | 'AI is raising business cyber risk' guidance (Sep 9, 2026) ([Hancock Whitney](https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider)) |
| [Seacoast Banking Corporation of Florida](https://www.bankingnewsai.com/banks/seacoast) | Quavo agentic-AI dispute management with AI fraud detection (December 2025) ([Quavo (GlobeNewswire)](https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html)) | [Index 42.1 (#67); 11 use cases, 10 in production](https://www.bankingnewsai.com/banks/seacoast) | Abrigo publishes Seacoast loan-review AI case study (Oct 8, 2026) ([Abrigo](https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/)) |
| [Cullen/Frost Bankers](https://www.bankingnewsai.com/banks/frost) | Digital account opening on Blend, with completion rates up from 50% to 80% (August 2026) ([Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1)) | [Index 49.3 (#58); 9 use cases, 7 in production](https://www.bankingnewsai.com/banks/frost) | Blend 'Ecosystem Expander' award (Aug 27, 2026) ([Business Wire via Yahoo Finance](https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | PNC AI factory ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [American Banker](https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1), [Investing.com](https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Automated conversion and validation tooling (Sandy Spring integration) ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking), [Atlantic Union Bankshares](https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf), [Atlantic Union Bank](https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring)) | [Index 53.7 (#52); 12 use cases, 5 in production](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language (Aug 6, 2026) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped; 3.6 billion interactions since 2018 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Smart Cash AI cash tool in a targeted pilot (October 2026); a consumer travel agent targeted for pilot before end-2026 ([Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions in under three years (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [Cash App (Block)](https://www.bankingnewsai.com/fintech/block) | Moneybot consumer agent: over 1 million weekly engaged accounts (June 30, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI and 13 AI initiatives, including credit intelligence to shorten application-to-closing time ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie virtual assistant, bilingual in English and Spanish (September 2026) ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Agentic process transformation, run from finance ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [American Banker](https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai), [The Wall Street Journal (Deloitte CFO Journal)](https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [First Horizon (FHN Financial)](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [Index 68.7 (#36); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |

## Who should look beyond SouthState, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant inside the banking app | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | SouthState's online banking offers Chat and Secure Messaging, and expanded call-center self-service is still listed under experimentation (June 2026). Erica helps more than 24.6 million clients, Fargo passed 1 billion interactions in March 2026, and Truist Assist logged 12.5 million+ requests from 2023 to March 2026. ([SouthState Bank](https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| People who need branches outside Florida, South Carolina, Texas, Georgia, Colorado, North Carolina, Alabama and Virginia | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | SouthState's 342 full-service branches are in those eight states (December 31, 2025). Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers in more than 100 US markets. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | SouthState is a branch-based bank. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Businesses that want a full branch network in Tennessee | [Pinnacle Financial Partners (Nashville) or First Horizon (Memphis)](https://www.bankingnewsai.com/banks/pinnacle) | SouthState's Tennessee presence is a Nashville loan production office and correspondent operations in Memphis, and management said in July 2026 that no new expansion markets are on the horizon. Pinnacle has 400-plus locations in nine states after the Synovus merger. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-southstate-tops-q2-2026-profit-estimates-as-shares-rise-93CH-4812058), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion)) |
| Sellers who want card acceptance and point-of-sale software from one provider | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Block's 10-K lists point-of-sale software providers and banks that provide payment processing, checking, savings, loans and payroll among the competitors of its Square ecosystem; SouthState offers merchant services as part of bank treasury management. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |

## Where does SouthState rank in its home markets, and who is bigger there?

SouthState's own deposit ranks from its June 2026 earnings deck (S&P Global data as of June 30, 2025, major MSAs in each region). The rank counts only US banks under $250 billion of assets with a $1 billion cap per branch, so Bank of America, JPMorgan Chase, Wells Fargo and Truist are outside it.

| Market | SouthState deposits | Rank among regional banks | Larger or growing rivals on the record |
| --- | --- | --- | --- |
| Central Florida | $12 billion | #2 | Truist 4th by Florida deposit share with 441 Florida branches; Regions 270 Florida branches; Hancock Whitney bought Orlando's One Florida Bank (August 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/hancock-whitney-completes-one-florida-123000979.html)) |
| Atlanta-Charlotte corridor | $10 billion | #4 | Truist 1st by deposit share in Georgia and 2nd in North Carolina; Regions 117 Georgia branches ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |
| Texas Triangle | $8 billion | #4 | Frost about 15 new branches in 2026; Huntington (Veritex, Cadence); Fifth Third (Comerica) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html)) |
| Coastal South | $7 billion | #1 | Truist 3rd by South Carolina deposit share with 95 branches there ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Front Range (Colorado) | $4 billion | #2 | PNC converted FirstBank's 95 branches and 780,000 customers (June 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1)) |

## How does SouthState's branch network compare with its largest rivals'?

Branch counts as each bank reports them, with the date.

| Bank | Branches | Where | As of |
| --- | --- | --- | --- |
| SouthState | 342 full-service branches | Florida, South Carolina, Texas, Georgia, Colorado, North Carolina, Alabama, Virginia | December 31, 2025 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |
| Truist | 441 Florida, 276 North Carolina, 259 Virginia, 202 Georgia, 96 Texas, 95 South Carolina, 49 Alabama | Florida, Georgia, Virginia, the Carolinas, Maryland, Tennessee, Texas, Alabama and other states | December 31, 2025 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Regions | 1,247 branch outlets, including 270 Florida, 184 Alabama, 117 Georgia, 85 Texas | Primarily the South, Midwest and Texas | December 31, 2025 ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm)) |
| JPMorgan Chase | 5,083 branches | National | 2025 ([JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm)) |
| Bank of America | 3,500 financial centers; about 15,000 ATMs | More than 100 US markets | 2026 ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |

## Common questions

### Who are SouthState Bank's biggest competitors?

By scale in its own states, the national and super-regional banks: Truist (1st by deposit share in Georgia, 4th in Florida), Regions, Bank of America, JPMorgan Chase and Wells Fargo. Among regionals, Pinnacle (now merged with Synovus), Hancock Whitney, Seacoast, Frost in Texas and PNC in Colorado. SouthState's 10-K also names community banks, internet-based banks and credit unions. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### Is Truist a competitor of SouthState?

Yes, in most of SouthState's states. Truist's 2025 10-K ranks it 1st by deposit share in Georgia, 2nd in North Carolina, 3rd in South Carolina and Virginia and 4th in Florida, with 441 Florida branches. On digital, Truist reports 5.4 million active mobile users and a Truist Assist chatbot; SouthState discloses neither figure. ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Yahoo Finance](https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm))

### Is Chime a competitor of SouthState?

In everyday checking, yes by category: SouthState's 10-K lists nontraditional internet-based banks among its competitors, and Chime's 10-K says its digital-first model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who competes with SouthState in Texas and Colorado?

In Texas, Frost (about 15 new branches in 2026), Huntington (Veritex and Cadence) and Fifth Third (Comerica); SouthState ranks #4 among regional banks in the Texas Triangle. In Colorado, PNC after converting FirstBank's 95 branches in June 2026; SouthState ranks #2 on the Front Range. Management says deposit rates in Texas and Colorado run higher than in the Southeast. ([Banking Dive](https://www.bankingdive.com/news/frost-bank-texas-growth-mergers-acquisitions-fifth-third-huntington/811110/), [Dallas Business Journal](https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202606220745PR_NEWS_USPRX____NE88394-1), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-southstate-tops-q2-2026-profit-estimates-as-shares-rise-93CH-4812058))

### What are alternatives to SouthState for small business banking?

Bank of America calls itself the number one US small business lender (FDIC data), serving 4 million small businesses, and Square sells payments, point-of-sale software and banking to sellers. SouthState itself was tied for the most Coalition Greenwich Best Bank awards in US small-business banking in March 2025 and offers SBA 7(a) loans. ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [SouthState Bank via PR Newswire](https://www.prnewswire.com/news-releases/southstate-named-a-top-3-bank-in-the-nation-for-small-business--middle-market-banking-leads-us-in-best-bank-awards-for-small-business-banking-302412667.html), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### Does SouthState compete with Pinnacle after the Synovus merger?

Yes. Synovus and Pinnacle were both in SouthState's 2026 proxy peer group; they merged on January 1, 2026 into a bank with 400-plus locations in nine states. SouthState's CEO said in April 2026 that consolidation disruption in its markets lets it grow its commercial banking team by 10% to 15%. ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926022580/ssb-20260415xdef14a.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/southstate-ssb-q1-2026-earnings-143200598.html))

### Who competes with SouthState's correspondent banking division?

First Horizon's fixed income business, FHN Financial, serves banks, thrifts and credit unions and lists correspondent banking among its lines. SouthState's correspondent and capital markets division serves over 1,200 community financial institutions, credit unions and money managers, mainly from Atlanta and Birmingham, per its 2025 10-K. ([First Horizon (SEC filings)](https://www.sec.gov/Archives/edgar/data/36966/000003696626000051/fhn-20251231.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm))

### How does SouthState compare with Regions in Florida?

Regions ran 270 Florida branches at the end of 2025 and is adding 150 branches across Florida, Georgia and Tennessee; SouthState counts 26.07% of its staff in Florida and ranks #2 among regional banks in Central Florida with $12 billion of deposits. On digital, Regions reports 2.7 million active mobile users; SouthState does not disclose a figure. ([Regions Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm), [Banking Dive](https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm), [PYMNTS](https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/))

## Peers on this site

- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Regions Financial AI strategy](https://www.bankingnewsai.com/banks/regions) · [vs peers](https://www.bankingnewsai.com/banks/regions/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [Seacoast Banking Corporation of Florida AI strategy](https://www.bankingnewsai.com/banks/seacoast) · [vs peers](https://www.bankingnewsai.com/banks/seacoast/vs-peers)

## Sources

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3. Regions Financial Corporation Annual Report on Form 10-K for 2025 — Regions Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/1281761/000128176126000019/rf-20251231.htm
4. Regions accelerates plan to build 150 new branches — Banking Dive, Mar 13, 2026. https://www.bankingdive.com/news/regions-bank-branches-florida-georgia-tennessee/814665/
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18. Seacoast Completes Acquisition of Villages Bancorporation, Inc. (Form 8-K, Exhibit 99.1) — Seacoast Banking Corporation of Florida (SEC filings), Oct 1, 2025. https://www.sec.gov/Archives/edgar/data/730708/000073070825000204/sbcfpressrelease20251001.htm
19. The CEO Who Wants to Double the Size of His Bank to $1 Trillion — The Wall Street Journal, Sep 11, 2025. https://www.wsj.com/finance/banking/the-ceo-who-wants-to-double-the-size-of-his-bank-to-1-trillion-fa5fa70f
20. Atlantic Union plans more branches to speed Carolinas growth — American Banker, Oct 23, 2025. https://www.americanbanker.com/news/atlantic-union-plans-more-branches-to-speed-carolinas-growth
21. Earnings call transcript: Atlantic Union Bankshares tops Q2 2026 estimates — Investing.com, Jul 21, 2026. https://www.investing.com/news/transcripts/earnings-call-transcript-atlantic-union-bankshares-tops-q2-2026-estimates-93CH-4803697
22. Wells Fargo Reaches Major Digital Milestones — Wells Fargo (Business Wire), Mar 26, 2026. https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones
23. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
24. SouthState named a top 3 bank in the nation for Small Business & Middle Market Banking; leads U.S. in Best Bank Awards for Small Business Banking — SouthState Bank via PR Newswire, Mar 27, 2025. https://www.prnewswire.com/news-releases/southstate-named-a-top-3-bank-in-the-nation-for-small-business--middle-market-banking-leads-us-in-best-bank-awards-for-small-business-banking-302412667.html
25. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
26. Pinnacle Financial Partners Earns a Combined 50 Coalition Greenwich Best Bank Awards – More Than Any Other Bank in the Country — Pinnacle Financial Partners, Feb 11, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-earns-a-combined-50-coalition-greenwich-best-bank-awards-more-than-any-other-bank-in-the-country
27. SouthState earns 2nd highest awards for Best Bank across U.S. — SouthState Bank via PR Newswire, Feb 12, 2026. https://www.prnewswire.com/news-releases/southstate-earns-2nd-highest-awards-for-best-bank-across-us-302685861.html
28. Fifth Third Completes Comerica Technology and Brand Conversion — Fifth Third, Sep 8, 2026. https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html
29. Huntington Bank Completes Merger with Cadence Bank, Expanding Presence Across Texas and the South — Huntington (PR Newswire), Feb 2, 2026. https://www.prnewswire.com/news-releases/huntington-bank-completes-merger-with-cadence-bank-expanding-presence-across-texas-and-the-south-302676243.html
30. On heels of two big deals, Huntington Bank sees Texas as 'springboard' — Dallas Business Journal, Oct 27, 2025. https://bizjournals.com/dallas/news/2025/10/27/huntington-veritex-cadence-integration.html
31. The Playbook for Enterprise AI Adoption with Walt Wear (Community Bank Podcast) — SouthState Correspondent Division, Aug 3, 2026. https://southstatecorrespondent.com/podcast/the-playbook-for-enterprise-ai-adoption-with-walt-wear
32. 6 things banks look for in gen AI models and companies — American Banker, Jan 14, 2025. https://americanbanker.com/news/6-things-banks-look-for-in-gen-ai-models-and-companies
33. Fiserv has co-created AI agents with six banks and OpenAI — American Banker, May 14, 2026. https://americanbanker.com/news/fiserv-has-co-created-ai-agents-with-six-banks-and-openai
34. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
35. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
36. Exhibit 99.3: Second quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Jul 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000096/ex993-earningsdeck2q26.htm
37. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
38. Regions aims to push 'dark mode,' other app tweaks next year — Banking Dive, Dec 19, 2025. https://www.bankingdive.com/news/regions-mobile-app-dark-mode-data-insights-digital-reggie/808360/
39. Regions Bank Launches Personalized Insights for Mobile Banking Customers — Business Wire via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070900BIZWIRE_USPRX____20260707_BW935076-1
40. Regions Bank's Mobile Upgrade Drives Digital Transactions to 80% — PYMNTS, Jul 17, 2026. https://www.pymnts.com/earnings/2026/regions-banks-mobile-upgrade-drives-digital-transactions-to-80/
41. 'Progressive modernization' for cores — ABA Banking Journal, Oct 6, 2026. https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores
42. Pam Hymel, Director of Digital Strategy, Hancock Whitney (speaker profile) — American Banker, Jun 3, 2026. https://digital-banking.americanbanker.com/profile/pam-hymel
43. 5 Critical Cybersecurity Questions to Ask Your IT Team or Service Provider — Hancock Whitney, Sep 9, 2026. https://www.hancockwhitney.com/insights/5-critical-cybersecurity-questions-to-ask-your-it-team-or-service-provider
44. Seacoast Bank and Quavo Partner to Enhance Dispute Operations and Reduce Fraud Losses — Quavo (GlobeNewswire), Dec 9, 2025. https://globenewswire.com/news-release/2025/12/09/3202154/0/en/Seacoast-Bank-and-Quavo-Partner-to-Enhance-Dispute-Operations-and-Reduce-Fraud-Losses.html
45. Seacoast Bank cuts complex loan review documentation time nearly in half with Abrigo Loan Review Assistant — Abrigo, Oct 8, 2026. https://www.abrigo.com/success-stories/seacoast-bank-cuts-complex-loan-review-documentation-time-nearly-in-half-with-abrigo-loan-review-assistant/
46. Frost Bank Achieves 60% Increase in Digital Account Openings With Blend — Business Wire via FT Markets, Aug 18, 2026. https://markets.ft.com/data/announce/full?dockey=600-202608180800BIZWIRE_USPRX____20260818_BW315276-1
47. Blend Honors Seven Customers With Best in Banking Awards at Forum 2026 — Business Wire via Yahoo Finance, Aug 27, 2026. https://finance.yahoo.com/small-business/articles/blend-honors-seven-customers-best-200000530.html
48. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
49. PNC's solution to rising AI costs: build its own AI — American Banker, Jun 12, 2026. https://www.americanbanker.com/news/pncs-solution-to-rising-ai-costs-build-its-own-ai
50. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
51. PNC at Barclays conference: growth, AI and branch push (transcript) — Investing.com, Sep 14, 2026. https://uk.investing.com/news/stock-market-news/pnc-at-barclays-conference-growth-ai-and-branch-push-93CH-4868299
52. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
53. #31 Atlantic Union's CIO automated his way through a $14 billion merger — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking
54. Atlantic Union Bankshares 2025 Annual Report to Shareholders (Form ARS, including the Form 10-K) — Atlantic Union Bankshares, Mar 25, 2026. https://investors.atlanticunionbank.com/sec-filings/all-sec-filings/content/0001104659-26-034181/aub-20251231xars.pdf
55. Atlantic Union Bank Completes Integration of Sandy Spring Bank — Atlantic Union Bank, Oct 14, 2025. https://investors.atlanticunionbank.com/news-events/press-releases/detail/206/atlantic-union-bank-completes-integration-of-sandy-spring
56. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026 — SEC (EDGAR), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm
57. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
58. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
59. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
60. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
61. JPMorgan's Lake sees longer road to agentic commerce adoption — Banking Dive, Jun 10, 2026. https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426
62. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
63. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
64. Wells Fargo Enhances Banking Capabilities Using AI and Digital Assets — PYMNTS, Oct 13, 2026. https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets
65. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
66. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
67. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
68. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
69. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
70. Kevin Johnson, Head of AI, Pinnacle Financial Partners (Digital Banking speaker profile) — American Banker, Apr 21, 2026. https://digital-banking.americanbanker.com/profile/kevin-d-johnson
71. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
72. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
73. Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613
74. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
75. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
76. Huntington Bank's plan to obtain a return on gen AI — American Banker, Sep 11, 2025. https://www.americanbanker.com/news/huntington-banks-plan-to-obtain-a-return-on-generative-ai
77. Banking on AI: Huntington's CFO on Innovation and Risk Oversight — The Wall Street Journal (Deloitte CFO Journal), Sep 15, 2025. https://deloitte.wsj.com/cfo/banking-on-ai-huntingtons-cfo-on-innovation-and-risk-oversight-80b35afb
78. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
79. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
80. The Most Powerful Women to Watch, No. 13, Tammy LoCascio, First Horizon Bank — American Banker, Sep 24, 2025. https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank
81. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
82. Chat and Secure Messaging (Online and Mobile Banking features) — SouthState Bank, Feb 9, 2026. https://southstatebank.com/personal/bank/online-and-mobile-banking/chat-secure-messaging
83. Earnings call transcript: SouthState tops Q2 2026 profit estimates as shares rise — Investing.com, Jul 24, 2026. https://investing.com/news/transcripts/earnings-call-transcript-southstate-tops-q2-2026-profit-estimates-as-shares-rise-93CH-4812058
84. Truist Financial Corporation (TFC) Q2 FY2026 earnings call transcript — Yahoo Finance, Jul 17, 2026. https://finance.yahoo.com/quote/TFC/earnings/TFC-Q2-2026-earnings_call-650938.html

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