SouthState (SSB) 10-K24 Feb 232022 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2022	Feb. 23, 2023	Jun. 30, 2022
Document and Entity Information
Document Type	10-K
Document Annual Report	true
Document Transition Report	false
Document Period End Date	Dec. 31, 2022
Entity File Number	001-12669
Entity Registrant Name	SOUTH STATE CORP
Entity Incorporation, State or Country Code	SC
Entity Tax Identification Number	57-0799315
Entity Address, Address Line One	1101 First Street South, Suite 202,
Entity Address, City or Town	Winter Haven
Entity Address, State or Province	FL
Entity Address, Postal Zip Code	33880
City Area Code	863
Local Phone Number	293-4710
Title of 12(b) Security	Common Stock
Trading Symbol	SSB
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 5,771,315,000
Entity Common Stock, Shares Outstanding		75,847,025
Auditor Name	FORVIS, LLP
Auditor Firm ID	686
Auditor Location	Atlanta, Georgia
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Entity Central Index Key	0000764038
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Cash and cash equivalents:
Cash and due from banks	$ 548,387	$ 476,653
Federal funds sold and interest-earning deposits with banks	580,491	6,018,915
Deposits in other financial institutions (restricted cash)	183,685	226,003
Total cash and cash equivalents	1,312,563	6,721,571
Trading securities, at fair value	31,263	77,689
Investment securities:
Securities held to maturity (fair value of $2,250,168 and $1,778,064)	2,683,241	1,819,901
Securities available for sale, at fair value	5,326,822	5,193,478
Other investments	179,717	160,568
Total investment securities	8,189,780	7,173,947
Loans held for sale	28,968	191,723
Loans:
Total loans	30,177,862	23,928,166
Less allowance for credit losses	(356,444)	(301,807)
Loans, net	29,821,418	23,626,359
Other real estate owned	1,023	2,736
Bank property held for sale	17,754	9,578
Premises and equipment, net	520,635	558,499
Bank owned life insurance ("BOLI")	964,708	783,049
Deferred tax assets	177,801	64,964
Derivatives assets	211,016	414,742
Mortgage servicing rights	86,610	65,620
Core deposit and other intangibles	116,450	128,067
Goodwill	1,923,106	1,581,085
Other assets	515,601	438,827
Total assets	43,918,696	41,838,456
Deposits:
Noninterest-bearing	13,168,656	11,498,840
Interest-bearing	23,181,967	23,555,989
Total deposits	36,350,623	35,054,829
Federal funds purchased	213,597	381,195
Securities sold under agreements to repurchase	342,820	400,044
Corporate and subordinated debentures	392,275	327,066
Reserve for unfunded commitments	67,215	30,510
Derivative liabilities	1,034,143	288,561
Other liabilities	443,096	553,311
Total liabilities	38,843,769	37,035,516
Shareholders' equity:
Common stock - $2.50 par value; authorized 160,000,000 shares; 75,704,563 and 69,332,297 shares issued and outstanding, respectively	189,261	173,331
Surplus	4,215,712	3,653,098
Retained earnings	1,347,042	997,657
Accumulated other comprehensive loss	(677,088)	(21,146)
Total shareholders' equity	5,074,927	4,802,940
Total liabilities and shareholders' equity	43,918,696	41,838,456
Acquired - non-purchased credit deteriorated loans
Loans:
Total loans	5,943,092	5,890,069
Acquired - purchased credit deteriorated loans
Loans:
Total loans	1,429,731	1,987,322
Non-acquired loans
Loans:
Total loans	$ 22,805,039	$ 16,050,775

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Investment securities:
Securities held to maturity, fair value (in dollars)	$ 2,250,168	$ 1,778,064
Shareholders' equity:
Common stock, par value (in dollars per share)	$ 2.50	$ 2.50
Common stock, shares authorized	160,000,000	160,000,000
Common stock, shares issued	75,704,563	69,332,297
Common stock, shares outstanding	75,704,563	69,332,297

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest income:
Loans, including fees	$ 1,178,026	$ 990,519	$ 851,199
Investment securities:
Taxable	149,790	76,850	47,420
Tax-exempt	22,361	10,715	7,212
Federal funds sold, securities purchased under agreements to resell and interest-bearing deposits with banks	46,848	6,720	4,198
Total interest income	1,397,025	1,084,804	910,029
Interest expense:
Deposits	36,984	33,182	55,442
Federal funds purchased and securities sold under agreements to repurchase	4,503	1,189	1,950
Corporate and subordinated debentures	19,294	17,214	12,968
Other borrowings	573	44	13,204
Total interest expense	61,354	51,629	83,564
Net interest income	1,335,671	1,033,175	826,465
Provision (recovery) for credit losses	81,855	(165,273)	235,989
Net interest income after provision (recovery) for credit losses	1,253,816	1,198,448	590,476
Noninterest income:
Securities gains, net	30	102	50
Other income	29,789	25,016	20,668
Total noninterest income	309,247	354,252	311,140
Noninterest expense:
Salaries and employee benefits	554,704	552,030	416,599
Occupancy expense	89,501	92,225	75,587
Information services expense	79,701	74,417	59,843
OREO and loan related expense	369	2,029	3,568
Amortization of intangibles	33,205	35,192	26,992
Supplies, printing and postage expense	9,621	9,659	8,679
Professional fees	15,331	10,629	14,033
FDIC assessment and other regulatory charges	23,033	17,982	10,713
Advertising and marketing	8,888	7,959	4,092
Extinguishment of debt cost		11,706
Merger and branch consolidation related expense	30,888	67,242	85,906
Swap termination expense			38,787
Other expense	84,460	67,351	52,845
Total noninterest expense	929,701	948,421	797,644
Earnings:
Income before provision for (benefit of) income taxes	633,362	604,279	103,972
Provision for (benefit of) income taxes	137,313	128,736	(16,660)
Net income	$ 496,049	$ 475,543	$ 120,632
Earnings per common share:
Basic (in dollars per share)	$ 6.65	$ 6.76	$ 2.20
Diluted (in dollars per share)	$ 6.60	$ 6.71	$ 2.19
Weighted average common shares outstanding:
Basic (in shares)	74,551	70,393	54,756
Diluted (in shares)	75,181	70,889	55,063
Fees on deposit accounts
Noninterest income:
Noninterest income	$ 128,228	$ 105,641	$ 84,319
Mortgage banking income
Noninterest income:
Noninterest income	17,790	64,599	106,202
Trust and investment services income
Noninterest income:
Noninterest income	39,019	36,981	29,437
Correspondent banking and capital market income
Noninterest income:
Noninterest income	78,755	110,048	64,743
SBA income
Noninterest income:
Noninterest income	$ 15,636	$ 11,865	$ 5,721

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Comprehensive (Loss) Income
Net income	$ 496,049	$ 475,543	$ 120,632
Unrealized holding (losses) gains on available for sale securities:
Unrealized holding (losses) gains arising during period	(861,470)	(90,350)	47,401
Tax effect	206,281	21,485	(11,544)
Reclassification adjustment for gains included in net income	(30)	(102)	(50)
Tax effect	7	24	11
Net of tax amount	(655,212)	(68,943)	35,818
Unrealized gains on derivative financial instruments qualifying as cash flow hedges:
Unrealized holding losses arising during period			(33,512)
Tax effect			7,372
Reclassification adjustment for losses included in interest expense			47,303
Tax effect			(10,407)
Net of tax amount			10,756
Change in pension plan and retiree medical plan obligation:
Change in pension and retiree medical plan obligation during period	(1,110)	98	(160)
Tax effect	272	(23)	41
Reclassification adjustment for changes included in net income	143	174	152
Tax effect	(35)	(41)	(35)
Net of tax amount	(730)	208	(2)
Other comprehensive (loss) income, net of tax	(655,942)	(68,735)	46,572
Comprehensive (loss) income	$ (159,893)	$ 406,808	$ 167,204

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock	Surplus	Retained Earnings Cumulative Effect of Adoption of ASU	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Cumulative Effect of Adoption of ASU	Total
Balance at Dec. 31, 2019	$ 84,361	$ 1,607,740		$ 679,895	$ 1,017		$ 2,373,013
Balance (in shares) at Dec. 31, 2019	33,744,385
Increase (Decrease) in Stockholders' Equity
Net income				120,632			120,632
Other comprehensive loss, net of tax effects					46,572		46,572
Total comprehensive income (loss)							167,204
Cash dividends declared on common stock per share				(98,256)			(98,256)
Employee stock purchases	$ 81	1,456					1,537
Employee stock purchases (in shares)	32,476
Stock options exercised	$ 131	1,550					1,681
Stock options exercised (in shares)	52,331
Restricted stock awards (forfeitures), net	$ 22	(22)
Restricted stock awards (forfeitures), net (in shares)	8,828
Stock issued pursuant to restricted stock units	$ 768	(768)
Stock issued pursuant to restricted stock units (in shares)	307,096
Common stock repurchased - buyback plan	$ (800)	(23,915)					(24,715)
Common stock repurchased - buyback plan (in shares)	(320,000)
Common stock repurchased	$ (307)	(7,409)					(7,716)
Common stock repurchased (in shares)	(122,708)
Share-based compensation expense		23,318					23,318
Common stock issued for acquisition	$ 93,178	2,153,149					2,246,327
Common stock issued for acquisition (in shares)	37,271,069
Stock options and restricted stock acquired and converted pursuant to acquisition		10,307					10,307
Balance (ASU 2016-13) at Dec. 31, 2020			$ (44,820)			$ (44,820)
Balance at Dec. 31, 2020	$ 177,434	3,765,406		657,451	47,589		4,647,880
Balance (in shares) at Dec. 31, 2020	70,973,477
Increase (Decrease) in Stockholders' Equity
Net income				475,543			475,543
Other comprehensive loss, net of tax effects					(68,735)		(68,735)
Total comprehensive income (loss)							406,808
Cash dividends declared on common stock per share				(135,201)			(135,201)
Cash dividends equivalents paid on restricted stock units				(136)			(136)
Employee stock purchases	$ 83	2,301					2,384
Employee stock purchases (in shares)	33,013
Stock options exercised	$ 160	2,745					2,905
Stock options exercised (in shares)	64,075
Stock issued pursuant to restricted stock units	$ 233	(233)
Stock issued pursuant to restricted stock units (in shares)	93,085
Common stock repurchased - buyback plan	$ (4,545)	(141,823)					(146,368)
Common stock repurchased - buyback plan (in shares)	(1,817,941)
Common stock repurchased	$ (34)	(1,019)					(1,053)
Common stock repurchased (in shares)	(13,412)
Share-based compensation expense		25,721					25,721
Balance at Dec. 31, 2021	$ 173,331	3,653,098		997,657	(21,146)		$ 4,802,940
Balance (in shares) at Dec. 31, 2021	69,332,297						69,332,297
Increase (Decrease) in Stockholders' Equity
Net income				496,049			$ 496,049
Other comprehensive loss, net of tax effects					(655,942)		(655,942)
Total comprehensive income (loss)							(159,893)
Cash dividends declared on common stock per share				(146,486)			(146,486)
Cash dividends equivalents paid on restricted stock units				(178)			(178)
Employee stock purchases	$ 96	2,762					2,858
Employee stock purchases (in shares)	38,491
Stock options exercised	$ 97	1,488					1,585
Stock options exercised (in shares)	39,020
Restricted stock awards (forfeitures), net	$ (13)	13
Restricted stock awards (forfeitures), net (in shares)	(5,368)
Stock issued pursuant to restricted stock units	$ 984	(983)					1
Stock issued pursuant to restricted stock units (in shares)	393,747
Common stock repurchased - buyback plan	$ (3,280)	(106,924)					(110,204)
Common stock repurchased - buyback plan (in shares)	(1,312,038)
Common stock repurchased	$ (281)	(8,845)					(9,126)
Common stock repurchased (in shares)	(112,389)
Share-based compensation expense		35,638					35,638
Common stock issued for acquisition	$ 18,327	641,445					659,772
Common stock issued for acquisition (in shares)	7,330,803
Stock options and restricted stock acquired and converted pursuant to acquisition		(1,980)					(1,980)
Balance at Dec. 31, 2022	$ 189,261	$ 4,215,712		$ 1,347,042	$ (677,088)		$ 5,074,927
Balance (in shares) at Dec. 31, 2022	75,704,563						75,704,563

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Changes in Shareholders' Equity
Common stock cash dividends declared, per share (in dollars per share)	$ 1.98	$ 1.92	$ 1.88

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income	$ 496,049	$ 475,543	$ 120,632
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	64,591	63,137	46,367
Provision (recovery) for credit losses	81,855	(165,273)	235,989
Deferred income taxes	123,540	67,850	(44,282)
Gains on sale of securities, net	(30)	(102)	(50)
Share-based compensation expense	35,638	25,721	23,318
Accretion of discount related to acquired loans	(36,411)	(29,658)	(56,170)
Extinguishment of debt cost - fair value marks		11,706
Losses on disposal of premises and equipment	2,876	856	5,010
Gains on sale of bank properties held for sale and repossessed real estate	(4,467)	(2,329)	(546)
Net amortization of premiums on investment securities	27,303	38,025	22,231
Bank properties held for sale and repossessed real estate write downs	273	2,067	1,085
Fair value adjustment for loans held for sale	6,052	6,920	4,705
Originations and purchases of loans held for sale	(1,411,770)	(3,045,145)	(2,959,310)
Proceeds from sales of loans held for sale	1,565,809	3,209,094	3,297,155
Losses (gains) on sales of loans held for sale	2,663	(72,124)	(120,077)
Increase in cash surrender value of BOLI	(23,058)	(18,221)	(10,170)
Net change in:
Accrued interest receivable	(32,829)	17,083	(19,362)
Prepaid assets	(3,090)	(1,250)	(8,945)
Operating leases	142	2,053	6,434
Bank owned life insurance	(1,290)	(202)	(1,231)
Trading securities	46,425	(35,154)	(10,674)
Derivative assets	207,682	399,157	98,807
Miscellaneous other assets	147	(79,312)	27,365
Accrued interest payable	2,609	(3,759)	(3,683)
Accrued income taxes	(17,218)	(53,843)	(77,946)
Derivative liabilities	741,583	(516,271)	(113,788)
Miscellaneous other liabilities	(144,181)	119,120	74,079
Net cash provided by operating activities	1,730,893	415,689	536,943
Cash flows from investing activities:
Proceeds from sales of investment securities available for sale	482,028	151,314	100,754
Proceeds from maturities and calls of investment securities held to maturity	230,003	104,958	2,534
Proceeds from maturities and calls of investment securities available for sale	575,877	805,342	957,250
Proceeds from sales and redemptions of other investment securities	13,226	1,533	71,788
Purchases of investment securities available for sale	(1,381,980)	(2,941,888)	(1,309,450)
Purchases of investment securities held to maturity	(1,099,691)	(975,266)	(958,391)
Purchases of other investment securities	(20,359)	(1,659)	(85,511)
Net (increase) decrease in loans	(3,855,268)	745,085	(156,360)
Net cash received (paid in) acquisitions		(39,929)
Net cash received (paid in) acquisitions	250,115		2,566,376
Recoveries of loans previously charged off	19,173	13,800	11,776
Purchase of bank owned life insurance	(85,966)	(205,566)
Purchases of premises and equipment	(17,670)	(28,418)	(16,930)
Proceeds from redemption and payout of bank owned life insurance policies	3,267	307	19,655
Proceeds from sale of bank properties held for sale and repossessed real estate	20,706	42,657	19,156
Proceeds from sale of premises and equipment	6,143	8,469	7,131
Net cash (used in) provided by investing activities	(4,860,396)	(2,319,261)	1,229,778
Cash flows from financing activities:
Net (decrease) increase in deposits	(1,780,132)	4,367,662	2,902,023
Net (decrease) increase in federal funds purchased and securities sold under agreements to repurchase and other short-term borrowings	(224,822)	1,573	79,379
Proceeds from borrowings		25,000	500,000
Repayment of borrowings	(13,000)	(100,878)	(1,200,103)
Common stock issuance	2,858	2,384	1,537
Common stock repurchases	(119,330)	(147,421)	(32,431)
Dividends paid	(146,664)	(135,337)	(98,256)
Stock options exercised	1,585	2,905	1,681
Net cash (used in) provided by financing activities	(2,279,505)	4,015,888	2,153,830
Net (decrease) increase in cash and cash equivalents	(5,409,008)	2,112,316	3,920,551
Cash and cash equivalents at beginning of period	6,721,571	4,609,255	688,704
Cash and cash equivalents at end of period	1,312,563	6,721,571	4,609,255
Cash paid for:
Interest	67,126	55,387	87,246
Income taxes	35,144	126,207	103,801
Recognition of operating lease assets in exchange for lease liabilities	12,635	9,623	9,426
Acquisitions:
Fair value of tangible assets acquired	3,500,692	34,838	18,825,354
Other intangible assets acquired	20,791		140,862
Liabilities assumed	3,205,694	2,343	17,270,550
Net identifiable assets acquired over liabilities assumed	342,021	15,816	561,042
Common stock issued in acquisition	659,772		2,246,327
Real estate acquired in full or in partial settlement of loans	$ 1,972	$ 3,642	$ 4,660

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2022
Summary of Significant Accounting Policies
Summary of Significant Accounting Policies	Note 1—Summary of Significant Accounting Policies Nature of Operations SouthState Corporation is a financial holding company headquartered in Winter Haven, Florida, and was incorporated under the laws of South Carolina in 1985. We provide a wide range of banking services and products to our customers through our Bank. The Bank operates SouthState Advisory, Inc., a wholly owned registered investment advisor. The Bank also operates SouthState\|Duncan-Williams, Securities Corp. (“SouthState\|DuncanWilliams”), which it acquired on February 1, 2021. SouthState\|Duncan-Williams is a registered broker-dealer, headquartered in Memphis, Tennessee, that serves primarily institutional clients across the U.S. in the fixed income business. The Bank also owns CBI Holding Company, LLC (“CBI”), which in turn owns Corporate Billing, LLC (“Corporate Billing”), a transaction-based finance company headquartered in Decatur, Alabama that provides factoring, invoicing, collection and accounts receivable management services to transportation companies and automotive parts and service providers nationwide. The holding company owns SSB Insurance Corp., a captive insurance subsidiary pursuant to Section 831(b) of the U.S. Tax Code. The Company also operates a correspondent banking division within the national bank subsidiary, of which the majority of its bond salesmen, traders and operational personnel are housed in facilities located in Birmingham, Alabama and Atlanta, Georgia. The Bank provides general banking services within a (6) state footprint in Alabama, Florida, Georgia, North Carolina, South Carolina and Virginia. The accounting and reporting policies of the Company and its consolidated subsidiary conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”). There 31, 2022. During 2021, Unless otherwise mentioned or unless the context requires otherwise, references herein to "SouthState," the "Company" "we," "us," "our" or similar references mean SouthState Corporation and its consolidated subsidiaries. References to the “Bank” means SouthState Bank, National Association. Basis of Consolidation The consolidated financial statements include the accounts of the Company and other entities in which it has a controlling financial interest. All significant intercompany balances and transactions have been eliminated in consolidation. Assets held by the Company in trust are not assets of the Company and are not included in the accompanying consolidated financial statements. Segments The Company, through the Bank, provides a broad range of financial services to individuals and companies primarily in South Carolina, North Carolina, Florida, Alabama, Georgia and Virginia. These services include, but not limited to, demand, time and savings deposits; lending and credit card servicing; ATM processing; mortgage banking services; correspondent banking services and wealth management and trust services. While the Company’s decision makers monitor the revenue streams of the various financial products and services, operations are managed and financial performance is evaluated on an organization- wide basis. Accordingly, the Company’s banking and finance operations are not considered by management to constitute more than Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses for loans and investment securities held to maturity, fair value of financial instruments, fair values of assets and liabilities acquired in business combinations, loss estimates related to loans and other real estate acquired, evaluating impairment of investment securities, goodwill and other intangible impairment tests and valuation of deferred tax assets. In connection with the determination of the allowance for credit losses, management has identified specific loans as well as adopted a policy of providing amounts for loan valuation purposes which are not identified with any specific loan but are derived from models based on macroeconomic factors and forecasts. Management believes that the allowance for credit losses is adequate. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic forecasts. In addition, regulatory agencies, as an integral part of the examination process, periodically review the banking subsidiary’s allowance for credit losses. Such agencies may require additions to the allowance based on their judgments about information available to them at the time of their examination. Concentrations of Credit Risk The Bank provides agribusiness, commercial, and residential and other consumer loans to customers primarily throughout South Carolina, North Carolina, Florida, Alabama, Virginia and Georgia. Although the Bank has a diversified loan portfolio, a substantial portion of their borrowers’ abilities to honor their contracts is dependent upon economic conditions within South Carolina, North Carolina, Florida, Alabama, Virginia, Georgia and the surrounding regions. The Company considers concentrations of credit to exist when, pursuant to regulatory guidelines, the amounts loaned to a multiple number of borrowers engaged in similar business activities which would cause them to be similarly impacted by general economic conditions represents 25% of total Tier 1 capital plus regulatory adjusted allowance for credit losses of the Company, or $1.0 billion at December 31, 2022. Based on this criteria, we had st st billion. The With some financial institutions adopting CECL in the first quarter of 2020, banking regulators established new guidelines for calculating credit concentrations. Banking regulators set the guidelines for construction, land development and other land loans to total less than 100% of total Tier 1 capital less modified CECL transitional amount plus ACL (CDL concentration ratio) and for total commercial real estate loans (construction, land development and other land loans along with other non-owner occupied commercial real estate and multifamily loans) to total less than 300% of total Tier 1 capital less modified CECL transitional amount plus ACL (CRE concentration ratio). Both ratios are calculated by dividing certain types of loan balances for each of the two categories by the Bank’s total Tier 1 capital less modified CECL transitional amount plus ACL. At December 31, 2022 and 2021, the Bank’s CDL concentration ratio , respectively. As of December 31, 2022, the Bank was below the established regulatory guidelines. When a bank’s ratios are in excess of one or both of these loan concentration ratios guidelines, banking regulators generally require an increased level of monitoring in these lending areas by bank management. Therefore, we monitor these two ratios as part of our concentration management processes. Cash and Cash Equivalents For the purpose of presentation in the consolidated statements of cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks including restricted pledged cash, interest bearing deposits with banks, purchases of securities under agreements to resell, and federal funds sold. Due from bank balances are maintained at other financial institutions. Federal funds sold are generally purchased and sold for one-day periods, but may, from time to time, have longer terms. The Company enters from time to time into purchases of securities under agreements to resell substantially identical securities. When the Company enters into such repurchase agreements, the securities purchased under agreements to resell generally consist of U.S. government-sponsored entities and agency mortgage- backed securities. The Company may elect to use other asset classes at its discretion. It is the Company’s practice to take possession of securities purchased under agreements to resell. The securities are delivered into the Company’s account maintained by a third- party custodian designated by the Company under a written custodial agreement that explicitly recognizes the Company’s interest in the securities. The Company monitors the market value of the underlying securities, including accrued interest, which collateralizes the related receivable on agreements to resell. These agreements were considered to be cash equivalents with maturities within less than one year. The Company held Trading Securities Through its Correspondent Banking Department and the Bank’s wholly owned broker dealer SouthState\|Duncan-Williams, the Company purchases trading securities and subsequently sells them to their customers to take advantage of market opportunities, when presented, for short-term revenue gains. Securities purchased for this portfolio are primarily municipals, treasuries and mortgage-backed agency securities and are held for short periods of time. This portfolio is carried at fair value and realized and unrealized gains and losses are included in trading securities revenue, a component of Correspondent Banking and Capital Market Income in our Consolidated Statements of Net Income. Investment Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and carried at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as “available for sale” and carried at fair value with unrealized gains and losses excluded from earnings and reported in Other Comprehensive Income. Purchase premiums and discounts are recognized in interest income using methods approximating the interest method over the terms of the securities. Gains and losses realized on sales of securities available for sale are determined using the specific identification method. Management no longer evaluates securities for other-than-temporary impairment, otherwise referred to herein as Other Than Temporary Impairment (“OTTI”), as ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for sale Debt Securities , changes the accounting for recognizing impairment on available for sale debt securities. Each quarter, management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the Provision for Credit Losses in the Consolidated Statements of Income. (see Note 3—Investment Securities). Other investments include stock acquired for regulatory purposes, investments in unconsolidated subsidiaries and other nonmarketable investment securities. Stock acquired for regulatory purposes include Federal Home Loan Bank of Atlanta (“FHLB”) stock and Federal Reserve Bank (“FRB”) stock. These securities do not have a readily determinable fair value because their ownership is restricted and they lack a market for trading. As a result, these securities are carried at cost and are periodically evaluated for impairment. Investments in unconsolidated subsidiaries represent a minority investment III, TSB Statutory Trust I, SAVB Capital Trust I, SAVB Capital Trust II, Southeastern Bank Financial Statutory Trust I, Southeastern Bank Financial Statutory Trust II, Provident Community Bancshares Capital Trust I, FCRV Statutory Trust I, Community Capital Statutory Trust I, CSBC Statutory Trust I, and Provident Community Bancshares Capital Trust II. These investments are recorded at cost and the Company receives quarterly dividend payments on these investments. Other nonmarketable investment securities consist of Business Development Corporation stock and stock in Banker’s Banks. These investments also do not have a readily determinable fair value because their ownership is restricted and they lack a market for trading. As a result, these securities are carried at cost and are periodically evaluated for impairment. Loans Held for Sale The Company sells residential mortgages to government sponsored entities (“GSEs “) and mortgage and third-party investors, who may issue securities backed by pools of such loans. The Company retains no beneficial interests in these sales, but may retain the servicing rights for the loans sold. The Company is obligated to subsequently repurchase a loan if the purchaser discovers a representation or warranty violation such as noncompliance with eligibility or servicing requirements, or customer fraud, that should have been identified in a loan file review. Mortgage loans held for sale are accounted for at fair value on an individual loan basis. Estimated fair value is determined on the basis of existing forward commitments, or the current market value of similar loans. Changes in the fair value, and realized gains and losses on the sales of mortgage loans, are reported in Mortgage Banking Income, a component of Noninterest Income in our Consolidated Statements of Income. Loans Loans that management has originated and has the intent and ability to hold for the foreseeable future or until maturity or pay off generally are reported at their unpaid principal balances, less unearned income and net of any deferred loan fees and costs. Unearned income on installment loans is recognized as income over the terms of the loans by methods that generally approximate the interest method. Interest on other loans is calculated by using the simple interest method on daily balances of the principal amount outstanding. We place non acquired loans and acquired loans on nonaccrual once reasonable doubt exists about the collectability of all principal and interest due. Generally, this occurs when principal or interest is 90 days or more past due, unless the loan is well secured and in the process of collection. A loan is evaluated individually for loss when it is on nonaccrual and has a net book balance over $1 million. Large pools of homogeneous loans are collectively evaluated for loss and reserved at the pool level. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as nonaccrual, provided that management expects to collect all amounts due, including interest accrued at the contractual interest rate for the period of delay. Troubled Debt Restructurings (“TDRs”) The Bank measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the allowance for credit losses. The accounting guidance for TDRs has been superseded with the issuance of ASU 2020-04, which was adopted on January 1, 2023. This ASU’s expanded disclosures on loan modifications to borrowers experiencing financial difficulty will replace the prior TDR disclosures for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Please see Recent Accounting Pronouncements below for more details. Allowance for Credit Losses (“ACL”) The Company complies with the requirements of Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , sometimes referred to herein as ASU 2016-13. Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses Financial Instruments-Credit Losses Financial Instruments-Credit Losses Derivatives and Hedging Financial Instruments . This standard applies to all financial assets measured at amortized cost and off balance sheet credit exposures, including loans, investment securities and unfunded commitments. We applied the standard’s provisions using the modified retrospective method as a cumulative-effect adjustment to retained earnings as of January 1, 2020. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held to maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. As of December 31, 2022, the Company had billion of held to maturity securities and no related valuation account. As of December 31, 2022, the held to maturity portfolio consisted of U.S. Government Agency, U.S. Government Agency Residential and Commercial Mortgage-backed securities, and Small Business Administration loan-backed securities. At December 31, 2022, management does not believe that a fair value below amortized cost is due to credit related factors. ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for sale Debt Securities , changed the accounting for recognizing impairment on available for sale debt securities. Each quarter, management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the Provision for Credit Losses in the Consolidated Statements of Income. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2022 and December 31, 2021, the accrued interest receivables for investment securities recorded in Other Assets were ACL – Loans The ACL for loans held for investment reflects management’s estimate of losses that will result from the inability of our borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption through equity and subsequent adjustments through a provision for or recovery of credit losses recorded to earnings. The Company records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The allowance for credit losses is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. The Discounted Cash Flow (“DCF”) method is used for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (e.g., maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (e.g., default rates and prepayment speeds). The Company has identified the following portfolio segments: Owner-Occupied Commercial Real Estate, Non-Owner Occupied Commercial Real Estate, Multifamily, Municipal, Commercial and Industrial, Commercial Construction and Land Development, Residential Construction, Residential Senior Mortgage, Residential Junior Mortgage, Revolving Mortgage, and Consumer and Other. In determining the proper level of the ACL, management has determined that the loss experience of the Bank provides the best basis for its assessment of expected credit losses. The Company therefore used its own historical credit loss experience by each loan segment over an economic cycle, while excluding loss experience from certain acquired institutions (i.e., failed banks). For most of the segment models for collectively evaluated loans, the Company incorporated two or more macroeconomic drivers using a statistical regression modeling methodology. Management considers forward-looking information in estimating expected credit losses. The Company subscribes to a third-party service which provides a quarterly macroeconomic baseline outlook and alternative scenarios for the United States economy. The baseline, along with the evaluation of alternative scenarios, is used by management to determine the best estimate within the range of expected credit losses. Management has evaluated the appropriateness of the reasonable and supportable forecast scenarios and has made adjustments as needed. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to the long term mean of historical factors within four quarters using a straight-line approach. The Company generally uses a four-quarter forecast and a four-quarter reversion period. Included in its systematic methodology to determine its ACL, management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments either increase or decrease the quantitative model estimation (i.e., formulaic model results). Each period, the Company considers qualitative factors that are relevant within the qualitative framework that includes the following: 1) Lending Policy; 2) Economic conditions not captured in models; 3) Volume and Mix of Loan Portfolio; 4) Past Due Trends; 5) Concentration Risk; 6) External Factors; and 7) Model Limitations. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. The Company’s threshold for individually evaluated loans includes all non-accrual loans with a net book balance in excess of $1.0 million. Management will monitor the credit environment and make adjustments to this threshold in the future if warranted. Based on the threshold above, consumer financial assets will generally remain in pools unless they meet the dollar threshold. The expected credit losses on individually evaluated loans will be estimated based on discounted cash flow analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral-dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms were not considered to be unique to the asset. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. The Company did not early adopt ASU No. 2020-04, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, that allows for the retirement of TDR guidance. The Company adopted ASU No. 2020-04 effective January 1, 2023. A restructuring that results in only a delay in payments that is insignificant is not considered an economic concession. In accordance with the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, the Company implemented loan modification programs in response to the COVID-19 pandemic in order to provide borrowers with flexibility with respect to repayment terms. The Company’s payment relief assistance includes forbearance, deferrals, extension and re-aging programs, along with certain other modification strategies. The Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession met the criteria as defined under the CARES Act. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Consolidated Statements of Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s acquired credit-impaired loans (i.e., ACI or Purchased Credit Impaired) were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2022 and December 31, 2021, the accrued interest receivables for loans recorded in Other Assets were million, respectively. The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of December 31, 2022 and December 31, 2021, the liability recorded for expected credit losses on unfunded commitments was million, respectively. The current adjustment to the ACL for unfunded commitments is recognized through the Provision for Credit Losses in the Consolidated Statements of Income. Other Real Estate Owned and Bank Property Held For Sale Other real estate owned (“OREO”) consists of properties obtained through foreclosure or through a deed in lieu of foreclosure in satisfaction of loans. The Company discloses former branch site assets as bank property held for sale and reports on a separate line on the Consolidated Balance Sheet. Both OREO and bank property held for sale are recorded at the lower of cost or fair value and the fair value was determined on the basis of current valuations obtained principally from independent sources, adjusted for estimated selling costs. At the time of foreclosure or initial possession of collateral, for OREO, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the ACL. At the time a bank property is no longer in service and is moved to held for sale, any excess of the current book value over fair value is recorded as an expense in the Consolidated Statements of Income in the m

Mergers and Acquisitions

Mergers and Acquisitions	12 Months Ended
Mergers and Acquisitions	Dec. 31, 2022
Mergers and Acquisitions
Mergers and Acquisitions	Note 2—Mergers and Acquisitions Atlantic Capital Bancshares, Inc. (“Atlantic Capital” or “ACBI”) On March 1, 2022, the Company acquired all of the outstanding common stock of Atlantic Capital in a stock transaction. Upon the terms and subject to the conditions set forth therein, Atlantic Capital merged with and into the Company, with the Company continuing as the surviving corporation in the merger. Immediately following the merger, Atlantic Capital’s wholly owned banking subsidiary, Atlantic Capital Bank, N.A. (“ACB”) merged with and into the Bank, which continues as the surviving bank. Shareholders of Atlantic Capital received shares of the Company’s common stock for each share of Atlantic Capital common stock they owned. In total, the purchase price for Atlantic Capital was of the Company’s total loans at December 31, 2021. Of the total loans acquired, management identified million that had more than insignificantly deteriorated since origination and were thus determined to be PCD loans. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805. The Company recognized goodwill on this acquisition of million. The goodwill was calculated based on the fair values of the assets acquired and liabilities assumed as of the acquisition date. During the years ended December 31, 2022 and 2021, the Company incurred approximately million, respectively, of acquisition costs related to this transaction. These acquisition costs are reported in Merger and Branch Consolidation Related Expenses on the Company’s Consolidated Statements of Income. The Atlantic Capital transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair value on the acquisition date. Fair values are preliminary and subject to refinement for up to a year after the closing date of the acquisition. Initial Subsequent As Recorded Fair Value Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ — $ 250,158 Investment securities 717,332 (13,622) (b) — 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) (5,614) (c) 2,369,678 Premises and equipment 16,892 2,608 (d) — 19,500 Intangible assets 22,572 (1,781) (e) — 20,791 Bank owned life insurance 74,613 — — 74,613 Deferred tax asset 30,231 2,273 (f) (1,025) (f) 31,479 Other assets 45,274 (1,277) (g) 7,557 (g) 51,554 Total assets $ 3,551,304 $ (30,739) $ 918 $ 3,521,483 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ — $ 1,411,671 Interest-bearing 1,616,970 — — 1,616,970 Total deposits 3,028,641 — — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — — 50,000 Other borrowings 74,131 4,286 (h) — 78,417 Other liabilities 50,711 (2,075) (i) — 48,636 Total liabilities 3,203,483 2,211 — 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 918 315,789 Goodwill — 342,939 (918) 342,021 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ — $ 657,810 Consideration: SouthState Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital 's existing fair value adjustments of $17.2 million and the adjustment to record securities at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.40%, or $34.0 million, net credit discount of the loan portfolio and 2.24% total net discount, or $54.3 million, including non-credit discount, based on a third-party valuation. Also, includes a reversal of Atlantic Capital's ending allowance for credit losses of $22.1 million and $7.6 million of existing Atlantic Capital’s deferred fees and costs. (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third-party valuation. Atlantic Capital’s pre-merger goodwill and servicing asset of $19.9 million and $2.6 million, respectively, were written-off. (f)— Represents deferred tax asset related to fair value adjustments with effective tax rate of 23.9%, which includes an adjustment from Atlantic Capital’s effective tax rate to the Company’s effective tax rate. The difference in effective tax rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for low-income housing investments of $1.1 million, write-off of prepaid assets of $233,000, adjustments to receivables of $154,000 and fair value adjustment for Small Business Investment Company (“SBIC”) investments of $7.4 million. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million and recording the fair value adjustment (premium) of $3.4 million, based on a third-party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of $0.7 million. Comparative and Pro Forma Financial Information for the Atlantic Capital Acquisition Pro-forma data for the years ended December 31, 2022 and 2021 listed in the table below presents pro-forma information as if the Atlantic Capital acquisition occurred at the beginning of 2021. These results combine the historical results of Atlantic Capital in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not indicative of what would have occurred had the acquisition taken place on January 1, 2021. Merger-related costs of $18.5 million incurred during 2022 and $1.7 million incurred during 2021 from the Atlantic Capital acquisition were excluded from pro forma information below. No adjustments have been made to reduce the impact of any OREO write downs, investment securities sold or repayment of borrowings recognized by Atlantic Capital in either 2022 or 2021. The core system conversion for the Atlantic Capital merger was completed during third quarter of 2022. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition, which are not reflected in the pro forma amounts below. The total revenues presented below represent pro-forma net interest income plus pro-forma noninterest income: Pro Forma Pro Forma Year Ended Year Ended (Dollars in thousands) December 31, 2022 December 31, 2021 Total revenues (net interest income plus noninterest income) $ 1,660,034 $ 1,523,299 Net interest income $ 1,347,258 $ 1,152,738 Net adjusted income available to the common shareholder $ 526,776 $ 523,360 EPS – basic $ 6.96 $ 6.73 EPS – diluted $ 6.90 $ 6.69 The disclosures regarding the results of operations for Atlantic Capital subsequent to the acquisition date are omitted as this information is not practical to obtain. The majority of the fixed costs and purchase accounting entries were booked on the Company’s core system making it impractical to determine Atlantic Capital’s results of operation on a stand-alone basis. SouthState\|Duncan-Williams Securities Corp. (“SouthState\|Duncan-Williams”) On February 1, 2021, the Company completed its acquisition of SouthState\|Duncan-Williams, a 52-year-old family- and employee-owned registered broker-dealer, headquartered in Memphis, Tennessee, serving primarily institutional clients across the U.S. in the fixed income business. SouthState\|Duncan-Williams firm became an operating subsidiary of the Bank immediately following the transaction. million that is payable after three years from the date of acquisition. The acquisition was accounted for under the acquisition method of accounting in accordance with ASC Topic 805. The Company recognized goodwill on this acquisition of million. The goodwill was calculated based on the fair values of the assets acquired and liabilities assumed as of the acquisition date.

Securities

Securities	12 Months Ended
Securities	Dec. 31, 2022
Securities
Securities	Note 3—Securities Investment Securities The following is the amortized cost and fair value of investment securities held to maturity: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2022: U.S. Government agencies $ 197,262 $ — $ (29,787) $ 167,475 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,591,646 — (255,093) 1,336,553 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 474,660 — (69,664) 404,996 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 362,586 — (66,304) 296,282 Small Business Administration loan-backed securities 57,087 — (12,225) 44,862 $ 2,683,241 $ — $ (433,073) $ 2,250,168 December 31, 2021: U.S. Government agencies $ 112,913 $ — $ (2,627) $ 110,286 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,120,104 14 (24,278) 1,095,840 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 174,178 — (4,937) 169,241 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 350,116 304 (8,021) 342,399 Small Business Administration loan-backed securities 62,590 — (2,292) 60,298 $ 1,819,901 $ 318 $ (42,155) $ 1,778,064 The following is the amortized cost and fair value of investment securities available for sale: Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2022: U.S. Treasuries $ 272,416 $ — $ (6,778) $ 265,638 U.S. Government agencies 245,972 — (26,884) 219,088 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,996,405 — (298,052) 1,698,353 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 708,337 — (107,292) 601,045 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,196,700 2,542 (198,844) 1,000,398 State and municipal obligations 1,269,525 1,210 (205,883) 1,064,852 Small Business Administration loan-backed securities 491,203 302 (46,695) 444,810 Corporate securities 35,583 — (2,945) 32,638 $ 6,216,141 $ 4,054 $ (893,373) $ 5,326,822 December 31, 2021: U.S. Government agencies $ 98,882 $ — $ (1,765) $ 97,117 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,700 5,324 (25,985) 1,831,039 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 730,949 5,957 (10,911) 725,995 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,220,233 5,438 (18,430) 1,207,241 State and municipal obligations 798,211 16,697 (2,219) 812,689 Small Business Administration loan-backed securities 502,812 2,330 (4,479) 500,663 Corporate securities 18,509 234 (9) 18,734 $ 5,221,296 $ 35,980 $ (63,798) $ 5,193,478 The following is the amortized cost and carrying value of other investment securities: Carrying (Dollars in thousands) Value December 31, 2022: Federal Home Loan Bank stock $ 15,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,808 $ 179,717 December 31, 2021: Federal Home Loan Bank stock $ 16,283 Federal Reserve Bank stock 129,716 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 11,006 $ 160,568 The Company’s other investment securities consist of non-marketable equity securities that have no readily determinable market value. Accordingly, when evaluating these securities for impairment, management considers the ultimate recoverability of the par value rather than recognizing temporary declines in value. As of December 31, 2022, the Company has determined that there was no impairment on its other investment securities. The amortized cost and fair value of debt and equity securities at December 31, 2022 by contractual maturity are detailed below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ — $ — $ 205,822 $ 201,700 Due after one year through five years 101,112 93,106 387,280 369,174 Due after five years through ten years 370,429 327,045 1,144,740 998,177 Due after ten years 2,211,700 1,830,017 4,478,299 3,757,771 $ 2,683,241 $ 2,250,168 $ 6,216,141 $ 5,326,822 The following table summarizes information with respect to sales of available for sale securities: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Securities Available for Sale: Sale proceeds $ 482,028 $ 151,314 $ 100,754 Gross realized gains 103 750 662 Gross realized losses (73) (648) (612) Net realized gain $ 30 $ 102 $ 50 There was a net realized gain of $30,000 on the sale of securities for the year ended December 31, 2022, compared to a net gain of $102,000 and $50,000 for the years ended December 31, 2021 and December 31, 2020, respectively. There were no sales of held to maturity securities for years ended December 31, 2022, 2021 or 2020. The Company had 1,311 securities with gross unrealized losses at December 31, 2022. Information pertaining to securities with gross unrealized losses at December 31, 2022 and 2021, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value December 31, 2022: Securities Held to Maturity U.S. Government agencies $ 5,514 $ 78,833 $ 24,273 $ 88,642 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 65,181 513,086 189,912 823,467 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 30,284 277,868 39,380 127,128 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 14,318 82,895 51,986 213,387 Small Business Administration loan-backed securities — — 12,225 44,862 $ 115,297 $ 952,682 $ 317,776 $ 1,297,486 Securities Available for Sale U.S. Treasuries $ 6,778 $ 265,638 $ — $ — U.S. Government agencies 8,193 138,807 18,691 80,281 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 42,767 459,773 255,285 1,238,580 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 21,450 274,082 85,842 326,963 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,156 206,228 181,688 767,002 State and municipal obligations 97,084 616,631 108,799 391,848 Small Business Administration loan-backed securities 2,152 92,535 44,543 264,933 Corporate securities 2,209 28,374 736 4,264 $ 197,789 $ 2,082,068 $ 695,584 $ 3,073,871 December 31, 2021: Securities Held to Maturity U.S. Government agencies $ 1,745 $ 86,168 $ 882 $ 24,118 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 18,768 868,327 5,510 184,819 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 4,937 169,240 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,902 154,963 3,119 75,450 Small Business Administration loan-backed securities 1,281 37,408 1,011 22,890 $ 31,633 $ 1,316,106 $ 10,522 $ 307,277 Securities Available for Sale U.S. Government agencies $ 529 $ 73,353 $ 1,236 $ 23,763 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,381 1,274,934 8,604 221,435 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 10,911 432,300 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,120 846,581 5,310 98,106 State and municipal obligations 1,867 123,987 352 8,579 Small Business Administration loan-backed securities 2,720 179,168 1,759 110,309 Corporate securities 9 4,991 — — $ 46,537 $ 2,935,314 $ 17,261 $ 462,192 Management evaluates securities for impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the provision for credit losses. Consideration is given to (1) the financial condition and near-term prospects of the issuer including looking at default and delinquency rates, (2) the outlook for receiving the contractual cash flows of the investments, (3) the length of time and the extent to which the fair value has been less than cost, (4) our intent and ability to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value or for a debt security whether it is more-likely-than-not that we will be required to sell the debt security prior to recovering its fair value, (5) the anticipated outlook for changes in the general level of interest rates, (6) credit ratings, (7) third-party guarantees, and (8) collateral values. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, the results of reviews of the issuer’s financial condition, and the issuer’s anticipated ability to pay the contractual cash flows of the investments. The Company performed an analysis that determined that the following securities have a zero expected credit loss: U.S. Treasury Securities, Agency-Backed Securities including securities issued by Ginnie Mae, Fannie Mae, FHLB, FFCB and SBA. All of the U.S. Treasury and Agency-Backed Securities have the full faith and credit backing of the United States Government or one of its agencies. Municipal securities and all other securities that do not have a zero expected credit loss are evaluated quarterly to determine whether there is a credit loss associated with a decline in fair value. All debt securities in an unrealized loss position as of December 31, 2022 continue to perform as scheduled and we do not believe that there is a credit loss or that a provision for credit losses is necessary. Also, as part of our evaluation of our intent and ability to hold investments for a period of time sufficient to allow for any anticipated recovery in the market, we consider our investment strategy, cash flow needs, liquidity position, capital adequacy and interest rate risk position. We do not currently intend to sell the securities within the portfolio and it is not more-likely-than-not that we will be required to sell the debt securities. See Note 1—Summary of Significant Account Policies for further discussion. Management continues to monitor all of our securities with a high degree of scrutiny. There can be no assurance that we will not conclude in future periods that conditions existing at that time indicate some or all of its securities may be sold or would require a charge to earnings as a provision for credit losses in such periods. At December 31, 2022 and 2021, investment securities with a carrying value of $2.6 billion and $2.1 billion, respectively, were pledged to secure public funds deposits and for other purposes required and permitted by law. At Trading Securities December 31, December 31, (Dollars in thousands) 2022 2021 U.S. Government agencies $ 11,190 $ 5,154 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises — 6,853 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises — 12,315 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,589 29,667 State and municipal obligations 13,993 20,798 Other debt securities 1,491 2,902 $ 31,263 $ 77,689 Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Net (losses) gains on sales transaction $ (1,326) $ 1,326 $ 1,184 Net mark to mark losses (237) (273) (57) Net (losses) gains on trading securities $ (1,563) $ 1,053 $ 1,127

Loans

Loans	12 Months Ended
Loans	Dec. 31, 2022
Loans
Loans	Note 4—Loans The following is a summary of total loans: December 31, (Dollars in thousands) 2022 2021 Loans: Construction and land development (1) $ 2,860,360 $ 2,029,216 Commercial non-owner occupied 8,072,959 6,735,699 Commercial owner occupied real estate 5,460,193 4,970,116 Consumer owner occupied (2) 5,162,042 3,638,364 Home equity loans 1,313,168 1,168,594 Commercial and industrial 5,313,483 3,761,133 Other income producing property 696,242 696,804 Consumer 1,278,426 904,657 Other loans 20,989 23,583 Total loans 30,177,862 23,928,166 Less allowance for credit losses (356,444) (301,807) Loans, net $ 29,821,418 $ 23,626,359 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied properties with a business intent. The above table reflects the loan portfolio at the amortized cost basis for the years ended December 31, 2022 and 2021, to include net deferred costs of $49.7 million compared to net deferred costs of $15.9 million, respectively, and unamortized discount total related to loans acquired of $72.1 million compared to $68.0 million, respectively. Accrued interest receivable (AIR) of The Company purchased loans through its acquisition of Atlantic Capital in the first quarter of 2022, for which there was, at acquisition, evidence of more than an insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows: (Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 137,874 Allowance for credit losses at acquisition (13,758) Non-credit discount at acquisition (5,943) Carrying value or book value of acquired loans at acquisition $ 118,173 As part of the ongoing monitoring of the credit quality of our loan portfolio, management tracks certain credit quality indicators, including trends related to (i) the level of classified loans, (ii) net charge-offs, (iii) non-performing loans (see details below), and (iv) the general economic conditions of the markets that we serve. The Company utilizes a risk grading matrix to assign a risk grade to each commercial loan. Classified loans are assessed at a minimum every six months. A description of the general characteristics of the risk grades is as follows: ● Pass —These loans range from minimal credit risk to average, however, still acceptable credit risk. ● Special mention —A special mention loan has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position at some future date. ● Substandard —A substandard loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified must have a well-defined weakness, or weaknesses, that may jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. ● Doubtful —A doubtful loan has all of the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of the currently existing facts, conditions and values, highly questionable and improbable. Construction and land development loans in the following table are on commercial and speculative real estate. Consumer owner occupied loans are collateralized by 1-4 family owner occupied properties with a business intent . The following table presents the credit risk profile by risk grade of commercial loans by origination year: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 875,751 $ 742,985 $ 134,996 $ 63,439 $ 14,521 $ 29,442 $ 65,656 $ 1,926,790 Special mention 1,643 988 268 76 7,219 2,068 — 12,262 Substandard 214 10,409 11 2,326 — 4,282 — 17,242 Doubtful — — — — — 6 — 6 Total Construction and land development $ 877,608 $ 754,382 $ 135,275 $ 65,841 $ 21,740 $ 35,798 $ 65,656 $ 1,956,300 Commercial non-owner occupied Risk rating: Pass $ 2,245,943 $ 1,849,079 $ 816,791 $ 959,707 $ 506,350 $ 1,417,397 $ 108,759 $ 7,904,026 Special mention 7,579 4,225 936 11,036 24,067 32,110 5,000 84,953 Substandard 13,256 25,557 609 9,383 6,472 26,366 2,257 83,900 Doubtful — 1 — 79 — — — 80 Total Commercial non-owner occupied $ 2,266,778 $ 1,878,862 $ 818,336 $ 980,205 $ 536,889 $ 1,475,873 $ 116,016 $ 8,072,959 Commercial Owner Occupied Risk rating: Pass $ 1,046,562 $ 1,136,289 $ 725,040 $ 709,669 $ 446,497 $ 1,080,522 $ 75,506 $ 5,220,085 Special mention 3,620 25,263 3,383 7,934 7,160 34,724 1,294 83,378 Substandard 12,861 34,210 19,962 16,502 9,487 62,808 895 156,725 Doubtful — — 1 — — 4 — 5 Total commercial owner occupied $ 1,063,043 $ 1,195,762 $ 748,386 $ 734,105 $ 463,144 $ 1,178,058 $ 77,695 $ 5,460,193 Commercial and industrial Risk rating: Pass $ 1,566,203 $ 895,368 $ 506,655 $ 274,446 $ 212,522 $ 333,286 $ 1,386,678 $ 5,175,158 Special mention 5,885 3,782 3,401 1,859 3,378 1,316 24,347 43,968 Substandard 6,308 27,974 4,770 6,591 6,783 8,476 32,876 93,778 Doubtful — — — — 155 422 2 579 Total commercial and industrial $ 1,578,396 $ 927,124 $ 514,826 $ 282,896 $ 222,838 $ 343,500 $ 1,443,903 $ 5,313,483 Other income producing property Risk rating: Pass $ 149,793 $ 92,887 $ 60,473 $ 46,189 $ 47,155 $ 107,436 $ 46,179 $ 550,112 Special mention 952 957 1,257 378 190 3,652 2,328 9,714 Substandard 876 359 1,281 300 214 11,214 1,065 15,309 Doubtful 401 — — — — 136 — 537 Total other income producing property $ 152,022 $ 94,203 $ 63,011 $ 46,867 $ 47,559 $ 122,438 $ 49,572 $ 575,672 Consumer owner occupied Risk rating: Pass $ 5,947 $ 3,124 $ 1,811 $ 418 $ 68 $ 332 $ 15,910 $ 27,610 Special mention 537 20 136 284 — — 66 1,043 Substandard 13 95 12 1,614 — 202 151 2,087 Doubtful — — — — 1 — — 1 Total Consumer owner occupied $ 6,497 $ 3,239 $ 1,959 $ 2,316 $ 69 $ 534 $ 16,127 $ 30,741 Other loans Risk rating: Pass $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Total Commercial Loans Risk rating: Pass $ 5,911,188 $ 4,719,732 $ 2,245,766 $ 2,053,868 $ 1,227,113 $ 2,968,415 $ 1,698,688 $ 20,824,770 Special mention 20,216 35,235 9,381 21,567 42,014 73,870 33,035 235,318 Substandard 33,528 98,604 26,645 36,716 22,956 113,348 37,244 369,041 Doubtful 401 1 1 79 156 568 2 1,208 Total Commercial Loans $ 5,965,333 $ 4,853,572 $ 2,281,793 $ 2,112,230 $ 1,292,239 $ 3,156,201 $ 1,768,969 $ 21,430,337 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Construction and land development Risk rating: Pass $ 570,166 $ 360,488 $ 206,586 $ 38,866 $ 24,728 $ 49,321 $ 76,680 $ 1,326,835 Special mention 2,347 3,067 186 — 1,557 1,715 487 9,359 Substandard 960 210 2,304 326 543 2,209 — 6,552 Doubtful 1 — — — — 8 — 9 Total Construction and land development $ 573,474 $ 363,765 $ 209,076 $ 39,192 $ 26,828 $ 53,253 $ 77,167 $ 1,342,755 Commercial non-owner occupied Risk rating: Pass $ 1,812,512 $ 798,171 $ 1,061,021 $ 676,803 $ 494,618 $ 1,371,729 $ 102,763 $ 6,317,617 Special mention 16,683 12,985 14,138 36,875 25,729 110,109 — 216,519 Substandard 23,035 160 64,408 23,346 31,952 56,477 2,139 201,517 Doubtful — — — — — 46 — 46 Total Commercial non-owner occupied $ 1,852,230 $ 811,316 $ 1,139,567 $ 737,024 $ 552,299 $ 1,538,361 $ 104,902 $ 6,735,699 Commercial Owner Occupied Risk rating: Pass $ 1,182,722 $ 780,339 $ 801,162 $ 549,642 $ 428,163 $ 980,701 $ 69,739 $ 4,792,468 Special mention 9,152 4,257 7,331 10,860 22,792 49,083 115 103,590 Substandard 7,375 2,907 8,587 2,053 18,600 34,431 80 74,033 Doubtful — 1 — — — 24 — 25 Total commercial owner occupied $ 1,199,249 $ 787,504 $ 817,080 $ 562,555 $ 469,555 $ 1,064,239 $ 69,934 $ 4,970,116 Commercial and industrial Risk rating: Pass $ 1,198,849 $ 618,676 $ 360,551 $ 267,772 $ 178,538 $ 219,339 $ 860,134 $ 3,703,859 Special mention 2,759 1,519 2,434 1,268 3,224 3,871 3,281 18,356 Substandard 738 5,965 8,212 2,653 3,438 5,183 12,701 38,890 Doubtful — — 5 3 2 16 2 28 Total commercial and industrial $ 1,202,346 $ 626,160 $ 371,202 $ 271,696 $ 185,202 $ 228,409 $ 876,118 $ 3,761,133 Other income producing property Risk rating: Pass $ 105,533 $ 73,583 $ 67,173 $ 76,971 $ 56,343 $ 142,183 $ 56,190 $ 577,976 Special mention 1,580 1,851 1,063 232 1,381 13,526 424 20,057 Substandard 1,304 482 298 166 787 12,531 46 15,614 Doubtful — — — — — 6 — 6 Total other income producing property $ 108,417 $ 75,916 $ 68,534 $ 77,369 $ 58,511 $ 168,246 $ 56,660 $ 613,653 Consumer owner occupied Risk rating: Pass $ 3,513 $ 2,874 $ 1,099 $ 85 $ 139 $ 820 $ 16,977 $ 25,507 Special mention 1,219 180 2,430 81 — 3 — 3,913 Substandard — 16 238 — — 223 — 477 Doubtful — — — 1 — 145 — 146 Total Consumer owner occupied $ 4,732 $ 3,070 $ 3,767 $ 167 $ 139 $ 1,191 $ 16,977 $ 30,043 Other loans Risk rating: Pass $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Total Commercial Loans Risk rating: Pass $ 4,896,878 $ 2,634,131 $ 2,497,592 $ 1,610,139 $ 1,182,529 $ 2,764,093 $ 1,182,483 $ 16,767,845 Special mention 33,740 23,859 27,582 49,316 54,683 178,307 4,307 371,794 Substandard 33,412 9,740 84,047 28,544 55,320 111,054 14,966 337,083 Doubtful 1 1 5 4 2 245 2 260 Total Commercial Loans $ 4,964,031 $ 2,667,731 $ 2,609,226 $ 1,688,003 $ 1,292,534 $ 3,053,699 $ 1,201,758 $ 17,476,982 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,695,454 $ 1,467,080 $ 657,005 $ 315,458 $ 187,580 $ 792,572 $ — $ 5,115,149 30 days past due 1,316 1,254 1,681 664 272 2,028 — 7,215 60 days past due 255 337 579 — 242 1,650 — 3,063 90 days past due — 944 776 454 664 3,036 — 5,874 Total Consumer owner occupied $ 1,697,025 $ 1,469,615 $ 660,041 $ 316,576 $ 188,758 $ 799,286 $ — $ 5,131,301 Home equity loans Days past due: Current $ 5,921 $ 5,231 $ 3,282 $ 1,560 $ 1,955 $ 17,941 $ 1,272,848 $ 1,308,738 30 days past due — — 155 77 418 422 1,586 2,658 60 days past due — — 19 36 70 26 540 691 90 days past due — — 60 87 — 611 323 1,081 Total Home equity loans $ 5,921 $ 5,231 $ 3,516 $ 1,760 $ 2,443 $ 19,000 $ 1,275,297 $ 1,313,168 Consumer Days past due: Current $ 407,825 $ 206,003 $ 111,210 $ 86,008 $ 44,303 $ 141,053 $ 248,314 $ 1,244,716 30 days past due 718 194 78 174 63 1,255 17,471 19,953 60 days past due 55 103 107 36 144 557 9,836 10,838 90 days past due 126 60 58 66 165 1,660 784 2,919 Total consumer $ 408,724 $ 206,360 $ 111,453 $ 86,284 $ 44,675 $ 144,525 $ 276,405 $ 1,278,426 Construction and land development Days past due: Current $ 466,475 $ 351,485 $ 50,472 $ 14,053 $ 7,006 $ 13,588 $ 379 $ 903,458 30 days past due 2 — — 57 23 43 — 125 60 days past due — — — — — — — — 90 days past due — — 436 — — 41 — 477 Total Construction and land development $ 466,477 $ 351,485 $ 50,908 $ 14,110 $ 7,029 $ 13,672 $ 379 $ 904,060 Other income producing property Days past due: Current $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,680 $ 624 $ 120,364 30 days past due — — — — — 62 — 62 60 days past due — — — — — 23 — 23 90 days past due — — — — — 121 — 121 Total other income producing property $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,886 $ 624 $ 120,570 Total Consumer Loans Days past due: Current $ 2,621,392 $ 2,051,220 $ 826,906 $ 419,742 $ 245,166 $ 1,005,834 $ 1,522,165 $ 8,692,425 30 days past due 2,036 1,448 1,914 972 776 3,810 19,057 30,013 60 days past due 310 440 705 72 456 2,256 10,376 14,615 90 days past due 126 1,004 1,330 607 829 5,469 1,107 10,472 Total Consumer Loans $ 2,623,864 $ 2,054,112 $ 830,855 $ 421,393 $ 247,227 $ 1,017,369 $ 1,552,705 $ 8,747,525 The following table presents total loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 8,589,197 $ 6,907,684 $ 3,112,648 $ 2,533,623 $ 1,539,466 $ 4,173,570 $ 3,321,674 $ 30,177,862 The following table presents the credit risk profile by past due status of consumer loans by origination year as of December 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,192,449 $ 710,828 $ 405,138 $ 246,487 $ 228,876 $ 810,605 $ 4 $ 3,594,387 30 days past due 354 666 234 472 1,068 2,230 — 5,024 60 days past due — 330 218 254 111 928 — 1,841 90 days past due 235 574 691 549 274 4,746 — 7,069 Total Consumer owner occupied $ 1,193,038 $ 712,398 $ 406,281 $ 247,762 $ 230,329 $ 818,509 $ 4 $ 3,608,321 Home equity loans Days past due: Current $ 7,128 $ 5,648 $ 4,745 $ 2,180 $ 993 $ 24,716 $ 1,116,621 $ 1,162,031 30 days past due 6 49 68 71 24 491 2,200 2,909 60 days past due — — — — — 603 339 942 90 days past due 75 65 172 180 22 1,548 650 2,712 Total Home equity loans $ 7,209 $ 5,762 $ 4,985 $ 2,431 $ 1,039 $ 27,358 $ 1,119,810 $ 1,168,594 Consumer Days past due: Current $ 298,779 $ 169,443 $ 127,757 $ 69,892 $ 36,304 $ 151,948 $ 44,864 $ 898,987 30 days past due 229 364 208 191 132 1,570 137 2,831 60 days past due 145 82 90 124 90 658 17 1,206 90 days past due 74 121 181 109 29 1,119 — 1,633 Total consumer $ 299,227 $ 170,010 $ 128,236 $ 70,316 $ 36,555 $ 155,295 $ 45,018 $ 904,657 Construction and land development Days past due: Current $ 411,728 $ 204,368 $ 33,965 $ 13,429 $ 8,484 $ 14,185 $ 162 $ 686,321 30 days past due — 24 — — — — — 24 60 days past due — — — — — 12 — 12 90 days past due — — — — — 104 — 104 Total Construction and land development $ 411,728 $ 204,392 $ 33,965 $ 13,429 $ 8,484 $ 14,301 $ 162 $ 686,461 Other income producing property Days past due: Current $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,575 $ 1,379 $ 82,891 30 days past due — — — — — 90 — 90 60 days past due — — — — — 156 — 156 90 days past due — — — — — 14 — 14 Total other income producing property $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,835 $ 1,379 $ 83,151 Total Consumer Loans Days past due: Current $ 1,947,911 $ 1,095,907 $ 576,511 $ 336,965 $ 280,960 $ 1,039,029 $ 1,147,334 $ 6,424,617 30 days past due 589 1,103 510 734 1,224 4,381 2,337 10,878 60 days past due 145 412 308 378 201 2,357 356 4,157 90 days past due 384 760 1,044 838 325 7,531 650 11,532 Total Consumer Loans $ 1,949,029 $ 1,098,182 $ 578,373 $ 338,915 $ 282,710 $ 1,053,298 $ 1,150,677 $ 6,451,184 The following table presents total loans by origination year as of December 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Total Loans $ 6,913,060 $ 3,765,913 $ 3,187,599 $ 2,026,918 $ 1,575,244 $ 4,106,997 $ 2,352,435 $ 23,928,166 The following table presents an aging analysis of past due accruing loans, segregated by class: 30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans December 31, 2022 Construction and land development $ 2,146 $ 3,653 $ — $ 5,799 $ 2,853,734 $ 827 $ 2,860,360 Commercial non-owner occupied 1,158 978 77 2,213 8,050,321 20,425 8,072,959 Commercial owner occupied 10,748 2,059 2,231 15,038 5,410,066 35,089 5,460,193 Consumer owner occupied 6,001 744 40 6,785 5,137,950 17,307 5,162,042 Home equity loans 2,527 361 — 2,888 1,303,964 6,316 1,313,168 Commercial and industrial 24,500 11,677 1,704 37,881 5,258,473 17,129 5,313,483 Other income producing property 1,623 1,480 298 3,401 690,107 2,734 696,242 Consumer 19,713 10,655 — 30,368 1,243,660 4,398 1,278,426 Other loans — — — — 20,989 — 20,989 $ 68,416 $ 31,607 $ 4,350 $ 104,373 $ 29,969,264 $ 104,225 $ 30,177,862 December 31, 2021 Construction and land development $ 1,176 $ 59 $ 43 $ 1,278 $ 2,026,371 $ 1,567 $ 2,029,216 Commercial non-owner occupied 3,591 2,110 96 5,797 6,709,993 19,909 6,735,699 Commercial owner occupied 2,756 1,732 626 5,114 4,950,470 14,532 4,970,116 Consumer owner occupied 4,046 533 — 4,579 3,615,602 18,183 3,638,364 Home equity loans 2,565 913 — 3,478 1,158,861 6,255 1,168,594 Commercial and industrial 50,451 26,639 3,991 81,081 3,672,611 7,441 3,761,133 Other income producing property 879 424 106 1,409 691,320 4,075 696,804 Consumer 2,672 840 1 3,513 897,688 3,456 904,657 Other loans — — — — 23,583 — 23,583 $ 68,136 $ 33,250 $ 4,863 $ 106,249 $ 23,746,499 $ 75,418 $ 23,928,166 The following is a summary of information pertaining to nonaccrual loans by class, including restructured loans: December 31, Greater than Non-accrual December 31, (Dollars in thousands) 2022 90 Days Accruing (1) with no allowance (1) 2021 Construction and land development $ 827 $ — $ 10 $ 1,567 Commercial non-owner occupied 20,425 77 6,976 19,909 Commercial owner occupied real estate 35,089 2,231 14,638 14,532 Consumer owner occupied 17,307 40 11 18,183 Home equity loans 6,316 — 1,568 6,255 Commercial and industrial 17,129 1,704 4,912 7,441 Other income producing property 2,734 298 — 4,075 Consumer 4,398 — — 3,456 Total loans on nonaccrual status $ 104,225 $ 4,350 $ 28,115 $ 75,418 (1) Greater than 90 days accruing and non-accrual with no allowance loans at December 31, 2022. There is no interest income recognized during the period on nonaccrual loans. The Company follows its nonaccrual policy by reversing contractual interest income in the Consolidated Statements of Income when the Company places a loan on nonaccrual status. Loans on nonaccrual status in which there is no allowance assigned are individually evaluated loans that do not carry a specific reserve. See Note 1 — Summary of Significant Accounting Policies for further detailed on individually evaluated loans. The following is a summary of collateral dependent loans, by type of collateral, and the extent to which they are collateralized during the period: December 31, Collateral December 31, Collateral (Dollars in thousands) 2022 Coverage % 2021 Coverage % Commercial owner occupied real estate Church $ — $ — $ 1,953 $ 2,308 118% Other 14,638 38,900 266% 4,656 12,200 262% Commercial non-owner occupied real estate Hotel — — 1,822 4,100 225% Other 6,450 10,900 169% 6,949 9,630 139% Commercial and industrial Other 4,808 5,591 116% — — Home equity loans Residential 1-4 family dwelling 1,523 1,671 110% — — Total collateral dependent loans $ 27,419 $ 57,062 $ 15,380 $ 28,238 The Bank designates individually evaluated loans (excluding TDRs) on non-accrual with a net book balance exceeding the designated threshold as collateral dependent loans. Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. These loans do not share common risk characteristics and are not included within the collectively evaluated loans for determining ACL. Under ASC 326-20-35-6, the Bank has adopted the collateral maintenance practical expedient to measure the ACL based on the fair value of collateral. The ACL is calculated on an individual loan basis based on the shortfall between the fair value of the loan's collateral, which is adjusted for selling costs, and amortized cost. If the fair value of the collateral exceeds the amortized cost, no allowance is required. During the second quarter of 2020, the Bank increased the threshold limit for loans individually evaluated from million. The significant changes above in collateral percentage are due to appraisal value updates or changes in the number of loans within the asset class and collateral type. Overall collateral dependent loans increased by In the course of resolving delinquent loans, the Bank may choose to restructure the contractual terms of certain loans. Any loans that are modified are reviewed by the Bank to determine if a TDR, sometimes referred to herein as a restructured loan, has occurred. The Bank designates loan modifications as TDRs when it grants a concession to a borrower that it would not otherwise consider due to the borrower experiencing financial difficulty (FASB ASC Topic 310-40). The concessions granted on TDRs generally include terms to reduce the interest rate, extend the term of the debt obligation, or modify the payment structure on the debt obligation. See Note 1 — Loans on nonaccrual status at the date of modification are initially classified as nonaccrual TDRs. Loans on accruing status at the date of concession are initially classified as accruing TDRs if the note is reasonably assured of repayment and performance is expected in accordance with its modified terms. Such loans may be designated as nonaccrual loans subsequent to the concession date if reasonable doubt exists as to the collection of interest or principal under the restructuring agreement. Nonaccrual TDRs are returned to accruing status when there is economic substance to the restructuring, there is documented credit evaluation of the borrower’s financial condition, the remaining balance is reasonably assured of repayment in accordance with its modified terms, and the borrower has demonstrated sustained repayment performance in accordance with the modified terms for a reasonable period of time (generally a minimum of The Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession met the criteria stipulated in the CARES Act. This election was applied starting April 2020 until September 2022. The election has since expired. Details in regards to the Company’s implemented loan modification programs in response to the COVID-19 pandemic under the CARES Act is disclosed under the Note 1 — The following table presents loans designated as TDRs segregated by class and type of concession that were restructured during the years ended December 31, 2022 and 2021: Year Ended December 31, 2022 2021 Pre-Modification Post-Modification Pre-Modification Post-Modification Number Amortized Amortized Number Amortized Amortized (Dollars in thousands) of loans Cost Cost of loans Cost Cost Interest rate modification Commercial non-owner occupied 5 $ 3,643 $ 3,643 — $ — $ — Commercial owner occupied 5 3,937 3,937 1 276 276 Consumer owner occupied 1 95 95 — — — Commercial and industrial 4 305 305 1 33 33 Other income producing property 1 71 71 1 206 206 Total interest

Allowance for Credit Losses (AC

Allowance for Credit Losses (ACL)	12 Months Ended
Allowance for Credit Losses (ACL)	Dec. 31, 2022
Allowance for Credit Losses (ACL)
Allowance for Credit Losses (ACL)	Note 5—Allowance for Credit Losses (ACL) See Note 1 — The following table presents a disaggregated analysis of activity in the allowance for credit losses as follows: Residential Residential Residential Other CRE Owner Non Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction C&D Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Year Ended December 31, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 811 — — — 86 — — — 2,409 — 10,452 13,758 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (197) (19) (445) (21) (4) (10,214) — — (1,976) (368) (10,202) (23,446) Recoveries 1,233 231 3,981 8 1,104 2,426 — — 1,327 581 8,282 19,173 Net recoveries (charge offs) 1,036 212 3,536 (13) 1,100 (7,788) — — (649) 213 (1,920) (4,273) Provision (benefit) (1) 22,953 (444) (2,107) 3,988 4,744 7,355 (1,663) 284 (7,990) (4,074) 8,409 31,455 Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 72,751 $ 406 $ 12,616 $ 8,800 $ 44,748 $ 22,767 $ 3,545 $ 706 $ 48,740 $ 74,424 $ 43,935 $ 333,438 Individually evaluated 233 — 2,462 — 286 — — — 7,829 2,268 1,689 14,767 Total quantitative allowance 72,984 406 15,078 8,800 45,034 22,767 3,545 706 56,569 76,692 45,624 348,205 Qualitative allowance (796) (1) (192) 174 376 — 139 143 1,514 1,793 5,089 8,239 Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Year Ended December 31, 2021 Allowance for credit losses: Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Charge-offs (204) — (1,002) (29) (87) (8,809) — — (2,052) (863) (3,853) (16,899) Recoveries 1,547 146 2,256 60 1,861 2,075 3 — 970 1,070 3,812 13,800 Net recoveries (charge offs) 1,343 146 1,254 31 1,774 (6,734) 3 — (1,082) 207 (41) (3,099) Provision (benefit) (1) (17,868) (773) (4,627) 52 (31,378) 3,321 (2,969) (945) (34,228) (44,979) (18,009) (152,403) Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 45,575 $ 611 $ 12,954 $ 4,989 $ 37,159 $ 21,887 $ 4,921 $ 565 $ 60,353 $ 77,494 $ 25,702 $ 292,210 Individually evaluated 150 — 91 — 434 — — — 590 196 1,003 2,464 Total quantitative allowance 45,725 611 13,045 4,989 37,593 21,887 4,921 565 60,943 77,690 26,705 294,674 Qualitative allowance 1,311 — 280 8 — 1,262 — — 851 1,959 1,462 7,133 Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Year Ended December 31, 2020 Allowance for credit losses: Balance at beginning of period January 1, 2020 $ 6,128 $ 15 $ 4,327 $ 815 $ 6,211 $ 4,350 $ 1,557 $ 956 $ 10,879 $ 15,219 $ 6,470 $ 56,927 Impact of Adoption 5,455 11 3,849 779 5,588 3,490 1,391 914 9,505 13,898 6,150 51,030 Initial PCD Allowance 406 3 289 — 351 669 97 — 898 656 39 3,408 Adjusted CECL balance, January 1, 2020 $ 11,989 $ 29 $ 8,465 $ 1,594 $ 12,150 $ 8,509 $ 3,045 $ 1,870 $ 21,282 $ 29,773 $ 12,659 $ 111,365 Impact of merger on provision for non-PCD loans 16,712 226 4,227 4,893 7,673 3,836 1,212 919 25,393 35,067 9,284 109,442 Initial Allowance for PCD loans acquired during period 29,935 804 5,119 1,302 6,035 6,120 902 1,003 34,077 45,787 18,320 149,404 Charge-offs (528) (24) (1,053) (32) (347) (6,158) — — (1,205) (601) (4,654) (14,602) Recoveries 1,143 455 1,251 111 1,407 1,922 71 — 1,089 518 3,810 11,777 Net recoveries (charge offs) 615 431 198 79 1,060 (4,236) 71 — (116) (83) (844) (2,825) Provision (benefit) (1) 4,310 (252) (1,311) (2,954) 40,279 12,333 2,657 (2,282) 16,468 13,877 6,798 89,923 Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 54,656 $ 1,238 $ 14,625 $ 4,733 $ 67,188 $ 18,435 $ 7,887 $ 685 $ 91,106 $ 116,571 $ 38,805 $ 415,929 Individually evaluated 82 — 77 — 9 120 — — 948 6 7 1,249 Total quantitative allowance 54,738 1,238 14,702 4,733 67,197 18,555 7,887 685 92,054 116,577 38,812 417,178 Qualitative allowance 8,823 — 1,996 181 — 8,007 — 825 5,050 7,844 7,405 40,131 Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 (1) Provision for credit losses of $36.7 million was recorded during 2022 compared to a negative provision (recovery) for credit losses of $12.9 million recorded during 2021 and a provision for credit losses of $43.4 million during 2020 for the release for unfunded commitments, which is not included in the table above.

Other Real Estate Owned and Ban

Other Real Estate Owned and Bank Premises Held for Sale	12 Months Ended
Other Real Estate Owned and Bank Premises Held for Sale	Dec. 31, 2022
Other Real Estate Owned and Bank Premises Held for Sale
Other Real Estate Owned and Bank Premises Held for Sale	Note 6— Other Real Estate Owned and Bank Premises Held for Sale The following is a summary of the changes in the carrying value of OREO and Bank Premises Held for Sale: (Dollars in thousands) OREO Bank Premises Held for Sale Total Balance, December 31, 2020 $ 11,914 $ 36,006 $ 47,920 Measurement period adjustment pertaining to CenterState acquisition — (1,226) (1,226) Additions, net 3,642 4,373 8,015 Writedowns (1,949) (118) (2,067) Sold (10,871) (29,457) (40,328) Balance, December 31, 2021 $ 2,736 $ 9,578 $ 12,314 Additions, net 1,972 21,003 22,975 Writedowns (114) (159) (273) Sold (3,571) (12,668) (16,239) Balance, December 31, 2022 $ 1,023 $ 17,754 $ 18,777 At December 31, 2022, there were a total of 6 properties included in OREO which compares to 12 properties included in OREO, at December 31, 2021. At December 31, 2022, there were a total of 31, 2021. At December 31, 2022, the Company had

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2022
Premises and Equipment
Premises and Equipment	Note 7—Premises and Equipment Premises and equipment consisted of the following: December 31, (Dollars in thousands) Useful Life 2022 2021 Land $ 133,105 $ 145,276 Buildings and leasehold improvements 15 - 40 years 395,360 404,655 Equipment and furnishings 3 - 10 years 178,676 169,271 Lease right of use assets 107,979 110,311 Construction in process 4,145 14,518 Total 819,265 844,031 Less accumulated depreciation (298,630) (285,532) $ 520,635 $ 558,499 Depreciation expense charged to operations was $29.4 million, $29.2 million, and $25.3 million for the years ended December 31, 2022, 2021, and 2020, respectively. At December 31, 2022 and 2021, computer software with an original cost of $23.2 million and $43.5 million, respectively, were being amortized using the straight-line method over thirty-six months . Amortization expense totaled 31, 2022, 2021, and 2020, respectively. There were . —

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
Goodwill and Other Intangible Assets	Dec. 31, 2022
Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets	Note 8—Goodwill and Other Intangible Assets The carrying amount of goodwill was $1.9 billion and $1.6 billion, respectively, at December 31, 2022 31, 2021. The Company added million in goodwill related to the Atlantic Capital acquisition in the first quarter of 2022. The Company made subsequent fair value adjustments related to the Atlantic Capital merger in the second quarter of 2022 that decreased goodwill by The Company evaluated the carrying value of goodwill as of October 31, 2022, its annual test date, and concluded that no impairment charge was necessary. The Company will continue to monitor the impact of COVID-19 and other market conditions on the Company’ business, operating results, cash flows and/or financial condition. The following is a summary of changes in the carrying amounts of goodwill: Year Ended December 31, (Dollars in thousands) 2022 2021 Balance at beginning of period $ 1,581,085 $ 1,563,942 Additions: Goodwill from Atlantic Capital acquisition 342,021 — Goodwill from SouthState\|Duncan-Williams acquisition — 15,816 Goodwill subsequent fair value adjustment from CenterState acquisition — 1,327 Balance at end of period $ 1,923,106 $ 1,581,085 The Company’s other intangible assets, consisting of core deposit intangibles, noncompete intangibles, and client list intangibles are included on the face of the balance sheet. The Company added $17.5 million in core deposit intangibles related to the Atlantic Capital transaction during the first quarter of 2022. The following is a summary of gross carrying amounts and accumulated amortization of other intangible assets: December 31, (Dollars in thousands) 2022 2021 Gross carrying amount $ 278,971 $ 257,874 Accumulated amortization (162,521) (129,807) $ 116,450 $ 128,067 Amortization expense totaled $33.2 million, $35.2 million and $27.0 million for the years ended December 31, 2022, 2021, and 2020, respectively. Other intangibles are amortized using either the straight-line method or an accelerated basis over their estimated useful lives, with lives generally between In early 2022 and in connection with the SBA servicing asset acquired through the Atlantic Capital acquisition, which was recorded at fair value on acquisition date, the Company elected to prospectively apply fair value accounting to the Company’s SBA servicing asset. The change in fair value of the SBA servicing asset is recorded in SBA Income, a component of Noninterest Income on the Consolidated Statements of Income, during each applicable reporting period. As a result of the change in accounting treatment, the Company will no longer amortize the SBA servicing asset and therefore excluded the SBA servicing asset from the future amortization expense table presented below. The fair value of the SBA servicing asset was million at December 31, 2022. Estimated amortization expense for other intangibles, excluding the SBA servicing asset, for each of the next five years is as follows: (Dollars in thousands) Year ended December 31: 2023 $ 27,558 2024 22,395 2025 18,766 2026 15,232 2027 11,756 Thereafter 14,675 $ 110,382

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2022
Deposits
Deposits	Note 9—Deposits The Company’s total deposits are comprised of the following: December 31, (Dollars in thousands) 2022 2021 Noninterest-bearing checking $ 13,168,656 $ 11,498,840 Interest-bearing checking 8,955,519 9,018,987 Savings 3,464,351 3,350,547 Money market 8,342,111 8,376,380 Time deposits 2,419,986 2,810,075 Total deposits $ 36,350,623 $ 35,054,829 At December 31, 2022 and 2021, the Company had $487.2 million and $603.2 million in certificates of deposits of $250,000 and greater, respectively. At December 31, 2022 and 2021, the Company held At December 31, 2022, the scheduled maturities of time deposits (includes $6.0 million of other time deposits) of all denominations are as follow: (Dollars in thousands) Year ended December 31: 2023 $ 1,778,372 2024 384,954 2025 159,744 2026 60,090 2027 33,870 Thereafter 2,956 $ 2,419,986

Federal Funds Purchased and Sec

Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	12 Months Ended
	Dec. 31, 2022
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase
Federal Funds Purchased and Securities Sold Under Agreements to Repurchase	Note 10—Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Federal funds purchased and securities sold under agreements to repurchase generally mature within one per our policies. Certain of the borrowings have no defined maturity date. Federal Funds Purchased Information concerning federal funds purchased is summarized below: Federal Funds Purchased December 31, 2022 2021 2020 (Dollars in thousands) Amount Rate Amount Rate Amount Rate At period-end: Federal funds purchased $ 213,597 4.31% $ 381,195 0.08% $ 384,735 0.00% Average for the year: Federal funds purchased $ 278,251 1.35% $ 482,471 0.09% $ 222,742 0.17% Maximum month-end balance: Federal funds purchased $ 370,876 $ 508,248 $ 384,735 Securities Sold Under Agreements to Repurchase Securities sold under agreements to repurchase (“repurchase agreements”) represent funds received from customers, generally on an overnight or continuous basis, which are collateralized by investment securities owned or, at times, borrowed and re-hypothecated by the Company. Repurchase agreements are subject to terms and conditions of the master repurchase agreements between the Company and the client and are accounted for as secured borrowings. The Company monitors the fair value of the underlying securities on a daily basis. Some securities underlying these agreements include arrangements to resell securities from broker- dealers approved by the Company. Repurchase agreements are reflected at the amount of cash received in connection with the transaction and included in federal funds purchased and securities sold under agreements to repurchase on the consolidated balance sheets. At December 31, 2022 and December 31, 2021, the Company’s repurchase agreements totaled $342.8 million and $400.0 million, respectively. All of the Company’s repurchase agreements were overnight or continuous (until-further-notice) agreements at December 31, 2022 and December 31, 2021. These borrowings were collateralized with government, government-sponsored enterprise, or state and political subdivision-issued securities with a carrying value of 31, 2021, respectively. Declines in the value of the collateral would require the Company to increase the amounts of securities pledged. Information concerning securities sold under agreements to repurchase is summarized below: Securities Sold Under Repurchase Agreements December 31, 2022 2021 2020 (Dollars in thousands) Amount Rate Amount Rate Amount Rate At period-end: Securities sold under repurchase agreements $ 342,820 0.40% $ 400,044 0.16% $ 394,931 0.33% Average for the year: Securities sold under repurchase agreements $ 395,141 0.19% $ 395,498 0.20% $ 330,368 0.47% Maximum month-end balance: Securities sold under repurchase agreements $ 458,580 $ 435,302 $ 396,948

Other Borrowings

Other Borrowings	12 Months Ended
Other Borrowings	Dec. 31, 2022
Other Borrowings.
Other Borrowings	Note 11—Other Borrowings The Company’s other borrowings were as follows: 2022 2021 Weighted Weighted Interest Average Interest Average Rate at Average Interest Rate at Average Interest (Dollars in thousands) Maturity 12/31/2022 Balance Balance Rate 12/31/2021 Balance Balance Rate Short-term borrowings: FHLB Advances Various — % $ — — % $ — FRB Borrowings Various — % — — % — US Bank Line of Credit Daily — % — — % — Total short-term borrowings — % $ — $ 10,959 5.22 % — % $ — $ 1,986 2.22 % Long-term borrowings SCBT Capital Trust I junior subordinated debt (1) 6/15/2035 6.56 % $ 12,372 1.99 % $ 12,372 SCBT Capital Trust II junior subordinated debt (1) 6/15/2035 6.56 % 8,248 1.99 % 8,248 SCBT Capital Trust III junior subordinated debt (1) 7/18/2035 6.36 % 20,619 1.79 % 20,619 SAVB Capital Trust I junior subordinated debt (1) 10/7/2033 6.93 % 6,186 2.97 % 6,186 SAVB Capital Trust II junior subordinated debt (1) 12/15/2034 6.97 % 4,124 2.40 % 4,124 TSB Statutory Trust I junior subordinated debt (1) 3/14/2037 6.49 % 3,093 1.92 % 3,093 Southeastern Bank Financial Statutory Trust I junior subordinated debt (1) 12/15/2035 6.17 % 10,310 1.60 % 10,310 Southeastern Bank Financial Statutory Trust II junior subordinated debt (1) 6/15/2036 6.17 % 10,310 1.60 % 10,310 CSBC Statutory Trust I junior subordinated debt (1) 12/15/2035 6.34 % 15,464 1.77 % 15,464 Community Capital Statutory Trust I junior subordinated debt (1) 6/15/2036 6.32 % 10,310 1.75 % 10,310 FCRV Statutory Trust I junior subordinated debt (1) 12/15/2036 6.47 % 5,155 1.90 % 5,155 Provident Community Bancshares Capital Trust I junior subordinated debt (1) 3/1/2037 5.48 % 4,124 1.87 % 4,124 Provident Community Bancshares Capital Trust II junior subordinated debt (1) 10/1/2036 6.50 % 8,248 1.91 % 8,248 Fair Market Value Discount Trust Preferred Debt Acquired (1,162) (1,398) Total Junior Subordinated Debt 6.39 % 117,401 117,277 3.49 % 1.89 % 117,165 130,048 1.97 % Landmark Bancshares subordinated debt (2) 6/30/2027 — % — 6.50 % 13,000 CenterState Bank Corporation subordinated debt (3) 6/1/2030 5.75 % 200,000 5.75 % 200,000 Atlantic Capital Bancshares, Inc. subordinated debt (4) 9/1/2030 5.50 % 75,000 — % — Fair Market Value Premium subordinated debt acquired 2,604 — Long-term subordinated debt costs (2,730) (3,099) Total Subordinated Debt 5.68 % 274,874 268,877 5.70 % 5.80 % 209,901 222,765 5.81 % Total long-term borrowings 5.89 % $ 392,275 $ 386,154 5.03 % 4.40 % $ 327,066 $ 352,813 4.36 % Total borrowings 5.89 % $ 392,275 $ 397,113 5.03 % 4.40 % $ 327,066 $ 354,799 4.35 % (1) All of the junior subordinated debt above is adjustable rate based on three-month LIBOR plus a spread ranging from 140 basis points to 285 basis points. (2) The Notes bore interest at a fixed rate of 6.5% per year, to, but excluding, June 30, 2022. On June 30, 2022, the Notes were set to convert to a floating rate equal to three-month LIBOR plus 467 basis points. The Notes were redeemed by the Company on June 30, 2022. (3) The $200 million in Notes bear interest at a fixed rate of 5.75% per year, to, but excluding, June 1, 2025. On June 1, 2025, the Notes convert to a floating rate equal to SOFR plus 562 basis points. The Notes may be redeemed by the Company after June 1, 2025. The balance in the table above is net of debt issuance costs. (4) The Notes bear interest at a fixed rate of 5.50% per year, from, and including, August 20, 2020, to, but excluding, September 1, 2025. On September 1, 2025, the Notes convert to a floating rate equal to three-month LIBOR plus 536 basis points. The Notes may be redeemed by the Company on or after September 1, 2025. These notes were acquired in the ACBI acquisition on March 1, 2022 and are net of the fair value discount noted in the table above. Short-Term Borrowings The Company has from time-to- time entered into borrowing agreements with the FHLB and FRB. Borrowings under these agreements are collateralized by stock in the FHLB, qualifying first and second mortgage residential loans, investment securities, and commercial real estate loans under a blanket-floating lien. As of December 31, 2022 and 2021, there were no outstanding short-term borrowings. For the years ended December 31, 2022 and 2021, the average balance for short-term borrowings was million, respectively. The year-to-date weighted average cost for the years ended December 31, 2022 and 2021 was %, respectively. Net eligible loans of the Company pledged via a blanket lien to the FHLB for advances and letters of credit at December 31, 2022, were approximately million. This allows the Company a total borrowing capacity at the FHLB of approximately billion. After accounting for letters of credit totaling 31, 2022. The Company also has a total borrowing capacity at the FRB of December 31, 2022 billion in net eligible loans of the Company. The Company had Junior Subordinated Debt The obligations of the Company with respect to the issuance of the capital securities constitute a full and unconditional guarantee by the Company of the trusts’ obligations with respect to the capital securities. Subject to certain exceptions and limitations, the Company may elect from time to time to defer interest payments on the junior subordinated debt securities, which would result in a deferral of distribution payments on the related capital securities. All of the Company’s junior subordinated debt is callable after five years from issuance. Therefore, all of the junior subordinated debt is callable at December 31, 2022. As of December 31, 2022, the sole assets of the trusts were an aggregate of $117.4 million, net of unamortized discount, of the Company’s junior subordinated debt securities with like maturities and like interest rates to the trust preferred securities. As of December 31, 2022, the Company had a $117.4 million liability for the junior subordinated debt securities, net of a $1.2 million discount recorded on Citizens South Banking Corporation Statutory Trust I, Community Capital Statutory Trust I, FCRV Statutory Trust I and Provident Community Bancshares Capital Trust I and II. The Company, as issuer, can call any of these subordinated debt securities without penalty. If the Company were to call the securities, the amount paid to the holders would be million and the Company would fully amortize any remaining discount into interest expense. The remaining discount is being amortized over a period. As of December 31, 2022, and 2021, there was $117.4 million (net of discount of $1.2 million) and $117.2 million (net of discount of $1.4 million), respectively, in junior subordinated debt. The weighted average cost of the junior subordinated debt at period end December 31, 2022 was 6.39% and the weighted average cost year-to-date for the year ended December 31, 2022 was 3.49% . This does not take into account the unamortized discount at period end or the discount amortization recorded during the year. If the discount were taken into account, the weighted average cost year-to-date for the period ending December 31, 2022 would be 3.73% . The weighted average cost of the junior subordinated debt at period end December 31, 2021 was 1.89% and the weighted average cost year to date for the year ended December 31, 2021 was 1.97% . If the discount were taken into account, the weighted average cost year-to-date would be 2.85% for the period ending December 31, 2021. During the second quarter of 2021, the Company redeemed $38.5 million in trust preferred securities that were assumed in the merger with CenterState. With the redemption of the trust preferred securities, the remaining fair value mark on these borrowings of $11.7 million was written off as an extinguishment of debt cost. The Company’s trust preferred securities are included in Tier 2 capital for regulatory capital purposes. Subordinated Debt and Notes As of December 31, 2022, the Company had a $274.9 million liability for subordinated debt. The Company assumed The weighted average cost of the subordinated debt at period end December 31, 2022 was 5.68% and the weighted average cost year to date for the year ended December 31, 2022 was 5.70% . The weighted average cost of the subordinated debt at period end December 31, 2021 was . This does not take into account unamortized debt issuance costs and the unaccreted premium and the amortization of the debt issuance costs and the premium accretion recorded during the year. If the debt issuance costs and premium accretion were taken into account, the weighted average cost year to date for the year ended December 31, 2022 and 2021 would be , respectively. Qualifying subordinated debt can be included in Tier 2 capital for regulatory capital purposes. At December 31, 2022, all of the Company’s subordinated debentures totaling million qualified for Tier 2 capital treatment. During the first quarter of 2022, the Company assumed million in subordinated debentures in June 2022. During the second quarter of 2021, the Company redeemed million of matured subordinated notes. The Line of Credit On November 14, 2022, the Company entered into an amendment and restatement to its Credit Agreement (the “Agreement”) with U.S. Bank National Association (the “Lender”). The Agreement provides for a million unsecured line of credit by the Lender to the Company. The maturity date of the Agreement is November 13, 2023, provided that the Agreement may be extended subject to the approval of the Lender. Borrowings by the Company under the Agreement will bear interest at a rate per annum equal to plus monthly reset term SOFR Rate. As of December 31, 2022 and 2021, there was outstanding balance associated with the line of credit. There were amounts outstanding during 2022 for the U.S. Bank line of credit. For the year ended December 31, 2021, the average balance for U.S. Bank line of credit was Principal maturities of other borrowings, net of unamortized discount or debt issuance costs, are summarized below: Junior Subordinated Subordinated (Dollars in thousands) Debt Debt Total Year Ended December 31, 2023 $ — $ — $ — 2024 — — — 2025 — — — 2026 — — — 2027 — — — Thereafter 117,401 274,874 392,275 $ 117,401 $ 274,874 $ 392,275

Income Taxes

Income Taxes	12 Months Ended
Income Taxes	Dec. 31, 2022
Income Taxes
Income Taxes	Note 12—Income Taxes The provision for income taxes consists of the following: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Current: Federal $ 5,940 $ 43,959 $ 16,245 State 7,044 16,512 13,296 Total current tax expense 12,984 60,471 29,541 Deferred: Federal 103,875 61,521 (36,801) State 20,454 6,744 (9,400) Total deferred tax expense (benefit) 124,329 68,265 (46,201) Provision (benefit) for income taxes $ 137,313 $ 128,736 $ (16,660) The provision for income taxes differs from that computed by applying the federal statutory income tax rate of 21% in 2022, 2021 and 2020 to income before provision for income taxes, as indicated in the following analysis: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Income taxes at federal statutory rate $ 133,006 $ 126,899 $ 21,834 Increase (reduction) of taxes resulting from: State income taxes, net of federal tax benefit 21,491 18,372 3,077 Non-deductible merger expenses 415 — 1,344 Increase in cash surrender value of BOLI policies (5,105) (3,866) (2,389) Tax-exempt interest (7,828) (5,450) (2,257) Income tax credits (13,667) (11,759) (7,138) Non-deductible FDIC premiums 3,287 2,380 1,364 Non-deductible executive compensation 4,319 530 1,016 Benefit of tax loss carryback under CARES Act — — (31,468) Other, net 1,395 1,630 (2,043) $ 137,313 $ 128,736 $ (16,660) The deferred tax assets and liabilities represent the future tax return consequences of those differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. As a result of the CARES Act, tax law changed to include the ability to carry back net operating losses ("NOLs") generated in 2018 through 2020 for five years, which was previously disallowed under The Tax Reform Act. Due to differences in tax and GAAP accounting rules, which relates to a tax method change to fair value for loans, the Company filed a short period tax return as of the merger date, which generated a net operating loss (“NOL”). This loss was carried back to the 2015 through 2017 tax years at a 35% tax rate, generating an income tax benefit of The components of the net deferred tax asset are as follows: December 31, (Dollars in thousands) 2022 2021 Allowance for credit losses $ 101,416 $ 81,767 Share-based compensation 10,509 6,290 Pension plan and post-retirement benefits 1,157 752 Deferred compensation 14,583 14,437 Purchase accounting adjustments 1,484 — Accrued expenses 6,953 — Other real estate owned 877 1,577 Net operating loss and tax credit carryforwards 27,271 20,659 Nonaccrual Interest 566 88 Lease liability 27,675 28,514 Mark to market assets — 11,788 Unrealized losses on investment securities available for sale 215,013 6,691 Other 1,277 719 Total deferred tax assets 408,781 173,282 Depreciation 22,442 21,028 Intangible assets 23,558 27,732 Net deferred loan costs 10,431 3,579 Right of use assets 25,848 27,136 Prepaid expense 836 725 Mark to market liabilities 110,122 — Tax deductible goodwill 9,090 5,994 Mortgage servicing rights 21,371 16,100 Purchase accounting adjustments — 890 Other 1,776 302 Total deferred tax liabilities 225,474 103,486 Net deferred tax assets before valuation allowance 183,307 69,796 Less, valuation allowance (5,506) (4,832) Net deferred tax assets $ 177,801 $ 64,964 The Company had federal NOL and realized built-in loss carryforwards of $78.5 million and $61.8 million for the years ended December 31, 2022 and 2021, respectively, which expire in varying amounts between 2026 to 2036. All of the Company's loss carryforwards are subject to Section 382 of the Internal Revenue Code, which places an annual limitation on the amount of federal net operating loss carryforwards which the Company may utilize after a change in control, and also limits the Company's ability to utilize certain tax deductions (realized built-in losses or “RBIL”) due to the existence of a Net Unrealized Built-in Loss (“NUBIL”) at the time of the change in control. The Company acquired federal net operating loss carryforwards of million in the acquisition of Atlantic Capital Bank in the current year. Of that amount, million was generated on the final tax return filing. The NOL of million was fully utilized in the current year by the Company. The other NOLs of million. In total, the allowable deduction for all loss carryforwards on an annual basis is million. The Company is allowed to carry forward any such limited RBIL under terms similar to those related to NOLs. The Company also has acquired state net operating losses in Georgia, Florida and Alabama. These are also subject to annual limitations under Section 382, similar to the federal NOLs. The company expects all Section 382 limited carryforwards to be realized within the applicable carryforward period. The Company has state net operating loss carryforwards of $160.4 million and $169.4 million for the years ended December 31, 2022 and 2021, respectively, most of which expire in varying amounts through 2039. There is a valuation allowance of million of state operating loss carryforwards at the parent company for which realizability is uncertain. In assessing the realizability of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income and tax planning strategies in making this assessment. Based on the level of historical taxable income and projections for future taxable income over the periods in which the deferred tax assets are deductible, management believes it is more likely than not that the Company will realize the benefits of these deferred tax assets, net of the valuation allowance at December 31, 2022. As of December 31, 2022, the Company had no material unrecognized tax benefits or accrued interest and penalties. It is the Company's policy to account for interest and penalties accrued relative to unrecognized tax benefits as a component of income tax expense. Generally, the Company's federal and state income tax returns are no longer subject to examination by taxing authorities for years prior to 2019.

Other Expense

Other Expense	12 Months Ended
Other Expense	Dec. 31, 2022
Other Expense
Other Expense	Note 13—Other Expense The following is a summary of the components of other noninterest expense: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Business development and staff related $ 19,015 $ 14,571 $ 8,721 Bankcard expense 3,576 3,459 2,224 Other loan expense 8,646 7,562 5,105 Director and shareholder expense 4,382 5,486 4,175 Armored carrier and courier expense 2,650 3,081 2,449 Property and sales tax 4,037 3,487 3,936 Bank service charge expense 2,472 2,147 1,725 Fraud and operational charge-off expense 11,202 4,727 2,231 Low income housing tax credit partnership amortization 9,722 9,986 12,977 Donations 4,112 2,563 2,121 Deposit earnings credit expense 4,507 2,809 — Other 10,139 7,473 7,181 $ 84,460 $ 67,351 $ 52,845

Earnings Per Common Share

Earnings Per Common Share	12 Months Ended
Earnings Per Common Share	Dec. 31, 2022
Earnings Per Common Share
Earnings Per Common Share	Note 14—Earnings Per Common Share The following table sets forth the computation of basic and diluted earnings per common share: Year Ended December 31, (Dollars and shares in thousands, except for per share amounts) 2022 2021 2020 Basic earnings per common share: Net income $ 496,049 $ 475,543 $ 120,632 Weighted-average basic common shares 74,551 70,393 54,756 Basic earnings per common share $ 6.65 $ 6.76 $ 2.20 Diluted earnings per common share: Net income $ 496,049 $ 475,543 $ 120,632 Weighted-average basic common shares 74,551 70,393 54,756 Effect of dilutive securities 630 496 307 Weighted-average dilutive shares 75,181 70,889 55,063 Diluted earnings per common share $ 6.60 $ 6.71 $ 2.19 The calculation of diluted earnings per common share excludes outstanding stock options for which the results would have been antidilutive under the treasury stock method as follows: Year Ended December 31, (Shares in thousands) 2022 2021 2020 Number of shares 57,169 57,169 136,844 Range of exercise prices $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 61.42 to $ 91.35

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	12 Months Ended
Accumulated Other Comprehensive (Loss) Income	Dec. 31, 2022
Accumulated Other Comprehensive (Loss) Income.
Accumulated Other Comprehensive (Loss) Income	Note 15—Accumulated Other Comprehensive (Loss) Income The changes in each component of accumulated other comprehensive (loss) income, net of tax, were as follows: Unrealized Gains and Gains (Losses) on Benefit (Losses) on Securities Cash Flow (Dollars in thousands) Plans Available for Sale Hedges Total Balance at December 31, 2019 $ (149) $ 11,922 $ (10,756) $ 1,017 Other comprehensive income (loss) before reclassifications (119) 35,857 (26,140) 9,598 Amounts reclassified from accumulated other comprehensive income 117 (39) 36,896 36,974 Net comprehensive income (loss) (2) 35,818 10,756 46,572 Balance at December 31, 2020 (151) 47,740 — 47,589 Other comprehensive income (loss) before reclassifications 75 (68,865) — (68,790) Amounts reclassified from accumulated other comprehensive loss 133 (78) — 55 Net comprehensive income (loss) 208 (68,943) — (68,735) Balance at December 31, 2021 57 (21,203) — (21,146) Other comprehensive loss before reclassifications (838) (655,189) — (656,027) Amounts reclassified from accumulated other comprehensive loss 108 (23) — 85 Net comprehensive loss (730) (655,212) — (655,942) Balance at December 31, 2022 $ (673) $ (676,415) $ — $ (677,088) The table below presents the reclassifications out of accumulated other comprehensive income, net of tax: Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Years Ended December 31, Accumulated Other Comprehensive Income (Loss) Component 2022 2021 2020 Income Statement Line Item Affected Losses on cash flow hedges: Interest rate contracts $ — $ — $ 47,303 Interest expense — — (10,407) Provision for income taxes — — 36,896 Net income Gains on sales of available for sale securities: $ (30) $ (102) $ (50) Securities gains, net 7 24 11 Provision for income taxes (23) (78) (39) Net income Losses and amortization of defined benefit pension: Actuarial losses $ 143 $ 174 $ 152 Salaries and employee benefits (35) (41) (35) Provision for income taxes 108 133 117 Net income Total reclassifications for the period $ 85 $ 55 $ 36,974

Restrictions on Subsidiary Divi

Restrictions on Subsidiary Dividends, Loans, or Advances	12 Months Ended
Restrictions on Subsidiary Dividends, Loans, or Advances	Dec. 31, 2022
Restrictions on Subsidiary Dividends, Loans, or Advances
Restrictions on Subsidiary Dividends, Loans, or Advances.	Note 16—Restrictions on Subsidiary Dividends, Loans, or Advances The Company pays cash dividends to shareholders from its assets, which are mainly provided by dividends from its banking subsidiary. However, certain restrictions exist regarding the ability of its banking subsidiary to transfer funds to the Company in form of cash dividends, loans or advances. The approval of the OCC is required if the total of all dividends declared by the Bank in any calendar year exceeds the total of its net profits for that year combined with its retained net profits for the preceding two years, less any required transfers to surplus. During 2022, the Bank paid dividends to the Company of $220.0 million. These funds were used to repurchase approximately ing 2022. Under Federal Reserve regulations, the bank is also limited as to the amount it may lend to the Company. The maximum amount available for transfer from the bank to the Company in the form of loans or advances was 31, 2022 and 2021, respectively. There were

Retirement Plans

Retirement Plans	12 Months Ended
Retirement Plans	Dec. 31, 2022
Retirement Plans
Retirement Plans	Note 17—Retirement Plans The Company has an Employee saving plan/401(k), supplemental executive retirement plans and post-retirement benefits plans. The effect to income from operations with regard to all of the Company’s retirement plans were as follows: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Employee savings plan/ 401(k) $ 15,357 $ 14,991 $ 10,962 Supplemental executive retirement plan (1,510) 3,475 2,862 Post-retirement benefits (108) 67 43 $ 13,739 $ 18,533 $ 13,867 The Company and its subsidiaries have a Safe Harbor plan. Under the plan, electing employees are eligible to participate after attaining age . Plan participants elect to contribute portions of their annual base compensation in any combination of pre-tax deferrals or Roth post- tax deferrals subject to the annual IRS limit. Employer contributions may be made from current or accumulated net profits. Participants may elect to contribute of annual base compensation as a pre-tax contribution. Employees participating in the plan receive a of salary. Employees can enter the savings plan on or after the first day of each month. The employee may enter into a salary deferral agreement at any time to select an alternative deferral amount or to elect not to defer in the Plan. If the employee does not elect an investment allocation, the plan administrator will select a retirement- based portfolio according to the employee’s number of years until normal retirement age. The plan’s investment valuations are generally provided on a daily basis.

Post-Retirement Benefits

Post-Retirement Benefits	12 Months Ended
Post-Retirement Benefits	Dec. 31, 2022
Post-Retirement Benefits
Post-Retirement Benefits	Note 18—Post-Retirement Benefits At December 31, 2022, the Company and its subsidiary have two post-retirement health and life insurance benefit plans, SouthState Bank Retiree Medical Plan (the “retiree medical plan”) and the First Federal Retiree Welfare Plan (the “retiree welfare plan”). Retiree Medical Plan Under the retiree medical plan, post-retirement health and life insurance benefits are provided to eligible employees, such benefits being limited to those employees of the Company eligible for early retirement under the pension plan on or before December 31, 1993, and former employees who are currently receiving benefits. The plan was unfunded at December 31, 2022, and the liability for future benefits has been recorded in the Consolidated Balance Sheets. The following sets forth the retiree medical plan’s funded status and amounts recognized in the Company’s accompanying Consolidated Balance Sheets: December 31, (Dollars in thousands) 2022 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 195 $ 209 $ 254 Interest cost 4 3 6 Actuarial (gain) loss (14) 11 (19) Benefits paid (28) (28) (32) Benefit obligation at end of year 157 195 209 Change in plan assets: Fair value of plan assets at beginning of year — — — Employer contribution 28 28 32 Benefits paid (28) (28) (32) Fair value of plan assets at end of year — — — Funded status $ (157) $ (195) $ (209) Year Ended December 31, 2022 2021 2020 Weighted-average assumptions used to determine benefit obligation at December 31: Discount rate 4.80 % 2.10 % 1.60 % Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31: Discount rate 2.10 % 1.60 % 2.70 % Assumed health care cost trend rates at December 31: Health care cost trend rate assumed for next year 5.00 % 5.00 % 5.00 % Components of net periodic benefit cost and other amounts recognized in other comprehensive (loss) income are as follows: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Interest cost $ 4 $ 3 $ 6 Recognized net actuarial loss 1 — 2 Net periodic benefit cost 5 3 8 Net (gain) loss (14) 11 (19) Amortization of loss (1) — (2) Total amount recognized in other comprehensive income (15) 11 (21) Total recognized in net periodic benefit cost and other comprehensive income $ (10) $ 14 $ (13) No estimated net gain/loss for the retiree welfare plan will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year. Estimated future benefit payments (including expected future service as appropriate): (Dollars in thousands) 2023 $ 26 2024 25 2025 22 2026 20 2027 18 2028-2032 59 $ 170 The Company expects to contribute approximately $26,000 to the retiree medical plan in 2023. Retiree Welfare Plan Under the retiree welfare plan, post-retirement health and life insurance benefits are provided to eligible employees, such benefits being limited to retired First Financial Holdings, Inc. employees who are currently receiving benefits. The plan was unfunded at December 31, 2022, and the liability for future benefits has been recorded in the consolidated financial statements. The following sets forth the retiree welfare plan’s funded status and amounts recognized in the Company’s accompanying Consolidated Balance Sheets: December 31, (Dollars in thousands) 2022 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 1,754 $ 2,070 $ 2,109 Interest cost 35 31 54 Actuarial loss 1,124 (110) 180 Benefits paid (416) (246) (285) Less: Federal subsidy on benefits paid 11 9 12 Benefit obligation at end of year 2,508 1,754 2,070 Change in plan assets: Fair value of plan assets at beginning of year — — — Employer contribution 405 236 273 Participants’ contributions 11 10 12 Benefits paid (416) (246) (285) Fair value of plan assets at end of year — — — Funded status $ (2,508) $ (1,754) $ (2,070) Weighted-average assumptions used to determine benefit obligations and net periodic benefit cost are as follows: Year Ended December 31, 2022 2021 2020 Weighted-average assumptions used to determine benefit obligation at December 31: Discount rate 4.80 % 2.10 % 1.60 % Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31: Discount rate 2.10 % 1.60 % 2.70 % Assumed health care cost trend rates at December 31: Health care cost trend rate assumed for next year 5.00 % 5.00 % 5.00 % Components of net periodic benefit cost and other amounts recognized in other comprehensive (loss) income are as follows: Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Interest cost $ 35 $ 31 $ 54 Recognized net actuarial loss 141 174 151 Net periodic benefit cost 176 205 205 Net (gain) loss 1,124 (110) 180 Amortization of loss (141) (174) (151) Total amount recognized in other comprehensive income 983 (284) 29 Total recognized in net periodic benefit cost and other comprehensive income $ 1,159 $ (79) $ 234 The estimated net loss for the retiree welfare plan that will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year is $285,000. Estimated future benefit payments (including expected future service as appropriate): (Dollars in thousands) 2023 $ 368 2024 345 2025 320 2026 294 2027 268 2028-2032 968 $ 2,563 The Company expects to contribute approximately $368,000 to the retiree welfare plan in 2023.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
Share-Based Compensation	Dec. 31, 2022
Share-Based Compensation
Share-Based Compensation	Note 19—Share-Based Compensation Compensation cost is recognized for stock options, restricted stock awards and restricted stock units (“RSUs”) issued to employees. Compensation cost is measured as the fair value of these awards on their date of grant. A Black- Scholes model is utilized to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used as the fair value of restricted stock awards and RSUs. Compensation cost is recognized over the required service period, generally defined as the vesting period for stock option awards and RSUs, and as the restriction period for restricted stock awards. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. Our 2004, 2012, 2019 and 2020 share-based compensation plans are long-term retention plans intended to attract, retain, and provide incentives for key employees and non-employee directors in the form of incentive and non-qualified stock options, restricted stock, and RSUs. Our 2020 plan was adopted by our shareholders at our annual meeting on October 29, 2020. The Company also assumed the obligations of Atlantic Capital under various equity incentive plans pursuant to the acquisition of Atlantic Capital on March 1, 2022 and the obligations of CenterState under various equity incentive plans pursuant to the merger with CenterState on June 7, 2020 . Stock Options With the exception of non-qualified stock options granted to directors under the 2004 and 2012 plans, which in some cases may be exercised at any time prior to expiration and in some other cases may be exercised at intervals less than a year following the grant date, incentive stock options granted under our 2004, 2012, 2019 and 2020 plans may not be exercised in whole or in part within a year following the date of the grant, as these incentive stock options become exercisable in 25% increments pro ratably over the four-year period following the grant date. The options are granted at an exercise price at least equal to the fair value of the common stock at the date of grant and expire 26, 2012, February 1, 2019, and October 29, 2020, respectively, and the plans are closed other than for any options still unexercised and outstanding. The 2020 plan is the only plan from which new share- based compensation grants may be issued. It is the Company’s policy to grant options out of the shares registered under the 2020 plan. Activity in the Company’s stock option plans is summarized in the following table. All information has been retroactively adjusted for stock dividends and stock splits. Year Ended December 31, 2022 2021 2020 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Outstanding at January 1, 2022 185,125 $ 63.03 256,425 $ 59.01 176,888 $ 67.14 Assumed stock options and warrants from ACBI merger 23,410 40.73 — — 136,831 37.85 Exercised (43,525) 41.16 (64,075) 45.35 (52,331) 32.12 Forfeited (356) 38.31 (6,250) 85.42 (4,963) 48.89 Expired (2,822) 36.98 (975) 24.37 — Outstanding at December 31, 2022 161,832 66.20 185,125 63.03 256,425 59.01 Exercisable at December 31, 2022 161,832 66.20 185,125 63.03 256,425 59.01 The aggregate intrinsic value of 161,832, 185,125, and 256,425 stock options outstanding and exercisable at December 31, 2022, 2021, and 2020 was $2.5 million, $3.8 million, and $4.6 million, respectively. The aggregate intrinsic value of Information pertaining to options outstanding at December 31, 2022 is as follows: Options Outstanding Options Exercisable Weighted Weighted Average Average Remaining Weighted Remaining Weighted Range of Number Contractual Average Number Contractual Average Exercise Prices Outstanding Life Exercise Price Outstanding Life Exercise Price $ 23.19 - $ 40.00 13,811 1.1 years $ 35.36 13,811 1.1 years $ 35.36 $ 40.01 - $ 55.00 40,449 3.4 years $ 44.64 40,449 3.4 years $ 44.64 $ 55.01 - $ 70.00 50,403 2.1 years $ 63.68 50,403 2.1 years $ 63.68 $ 85.01 - $ 91.35 57,169 4.6 years $ 91.12 57,169 4.6 years $ 91.12 161,832 3.2 years $ 66.20 161,832 3.2 years $ 66.20 The fair value of options is estimated at the date of grant using the Black- Scholes option pricing model and expensed over the options’ vesting periods. We have not granted any stock options for the years ended December 31, 2022, 2021 and 2020, and therefore, we have not used the Black-Scholes option pricing model to fair value options. As of December 31, 2022, 2021 and 2020, there were no unrecognized compensation costs related to non- vested stock option grants under the plans. The total fair value of shares vested during the years ended December 31, 2022, 2021 and 2020 was approximately million, respectively. Compensation expense of was recorded in 2022, 2021, and 2020, respectively. Of the expense in 2020, approximately Restricted Stock From time-to-time, we grant shares of restricted stock to key employees. These awards help align the interests of these employees with the interests of our shareholders by providing economic value directly related to increases in the value of our stock. The value of the stock awarded is established as the fair market value of the stock at the time of the grant. We recognize expenses equal to the total value of such awards, ratably over the vesting period of the stock grants. Restricted stock grants to employees two All restricted stock agreements are conditioned upon continued employment. Termination of employment prior to a vesting date, as described below, would terminate any interest in non-vested shares. Prior to vesting of the shares, as long as employed by the Company, the employees will have the right to vote such shares and to receive dividends paid with respect to such shares. All restricted shares will fully vest in the event of change in control of the Company or upon the death of the recipient. Due to the merger between the Company and CenterState effective June 7, 2020, a total of Non-vested restricted stock for the year ended December 31, 2022 is summarized in the following table. All information has been retroactively adjusted for stock dividends and stock splits. Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2022 3,066 $ 67.31 Assumed restricted stock shares from ACBI merger 84,224 90.00 Vested (31,416) 89.21 Forfeited (5,368) 90.00 Nonvested at December 31, 2022 50,506 $ 89.12 The Company granted 0, 0, and 9,145 shares for the years ended December 31, 2022, 2021, and 2020, respectively. The weighted-average grant-date fair value of restricted shares granted in 2022, 2021, and 2020 was , respectively. Due to the acquisition of ACBI, effective March 1, 2022, a total of restricted stock awards were assumed by the Company. Compensation expense of million was recorded in 2022, 2021, and 2020, respectively. Of the expense in 2020, approximately The vesting schedule of these shares as of December 31, 2022 is as follows: Shares 2023 30,610 2024 14,107 2025 5,789 50,506 As of December 31, 2022, there was $2.5 million of total unrecognized compensation cost related to non- vested restricted stock granted under the plans. The cost is expected to be recognized over a weighted-average period of 31, 2022. The total fair value of shares vested during the years ended December 31, 2022, 2021 and 2020 was approximately Restricted Stock Units (“RSU”) From time-to-time, we also grant performance RSUs and time-vested RSUs to key employees, and time-vested RSUs to non-employee directors. These awards help align the interests of these employees with the interests of our shareholders by providing economic value directly related to our performance. Some performance RSU grants contain a one two from the grant date). The performance-based awards for our long-term incentive plans are dependent on the achievement of tangible book value growth and return on average tangible common equity relative to the Company’s peer group during each performance period. In December 2022, the Company’s Compensation Committee approved a modification to the long-term incentive plans to exclude the changes in accumulated other comprehensive income from the calculation of tangible book value growth per share. Grants to non-employee directors typically vest within a 12-month period. We communicate threshold, target, and maximum performance RSU awards and performance targets to the applicable key employees at the beginning of a performance period. Due to the merger with CenterState on June 7, 2020, all legacy and assumed performance-based restricted stock units converted to a time-vesting requirement. With respect to some long-term incentive awards, dividend equivalents are accrued at the same rate as cash dividends paid for each share of the Company’s common stock during the performance or time-vested period, and subsequently paid when the shares are issued on the vesting or settlement date. The value of the RSUs awarded is established as the fair market value of the stock at the time of the grant. We recognize expense on a straight-line basis typically over the performance or time-vesting periods based upon the probable performance target, as applicable, that will be met. For the year ended December 31, 2022, we accrued for of the RSUs granted. Due to the merger between the Company and CenterState effective June 7, 2020, a total of Nonvested RSUs at target for the year ended December 31, 2022 is summarized in the following table. Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2022 948,213 $ 67.01 Assumed restricted stock units from ACBI merger 55,736 87.94 Granted 338,500 82.30 Vested (393,730) 66.49 Forfeited (8,207) 83.38 Outstanding at December 31, 2022 940,512 $ 73.82 The nonvested shares of 940,512 at December 31, 2022 includes 112,110 shares that have fully vested but are subject to a two-year holding period, which commenced at the end of their respective vesting period. These vested shares will be released and issued into shares of common stock at the end of their respective two-year holding period, the last of which will end by March 31, 2025. If maximum performance is achieved pursuant to the 2021 and 2022 LTI performance-based RSU grants, an additional performance periods. The Company granted 31, 2022, 2021, and 2020, respectively. The weighted-average grant-date fair value of restricted stock units granted in 2022 was . Due to the acquisition of ACBI, effective March 1, 2022, a total of RSUs were assumed by the Company. Compensation expense of million was recorded in 2022, 2021, and 2020, respectively. As of December 31, 2022, there was $26.4 million of total unrecognized compensation cost related to nonvested RSUs granted under the plan. This cost is expected to be recognized over a weighted-average period of 31, 2022. The total fair value of restricted stock units that vested during the years ended December 31, 2022, 2021, and 2020 was approximately million, respectively. Of the expense in 2020, approximately Employee Stock Purchase Plan The Company previously registered 363,825 shares of common stock in connection with the establishment of the 2002 Employee Stock Purchase Plan. At the annual shareholders meeting on October 29, 2020, a proposal was adopted to increase the shares of common stock that may be issued under the plan by up to shares. The plan is available to all employees who have attained age of service. The Company currently has approximately million shares available for issuances under the plan. The price at which common stock may be purchased for each quarterly option period is the lesser of of the common stock’s fair value on either the first or last day of the quarter. Employees purchased shares in 2022, 2021 and 2020, respectively, through the Employee Stock Purchase Plan. The Company recognized

Stock Repurchase Program

Stock Repurchase Program	12 Months Ended
Stock Repurchase Program	Dec. 31, 2022
Stock Repurchase Program
Stock Repurchase Program	Note 20—Stock Repurchase Program of the Company’s common shares. per share pursuant to the 2021 Stock Repurchase Plan. Life-to-date, the Company repurchased a total of shares remaining that could have been repurchased under the 2021 Stock Repurchase Plan. shares. On June 7, 2022, the Company received Federal Reserve Board’s supervisory nonobjection on the 2022 Stock Repurchase Program. The Company did not repurchase any shares through the 2022 Stock Repurchase Program during 2022. As of December 31, 2022, there is a total of shares authorized to be repurchased. million in 2022, 2021, and 2020, respectively, under other arrangements whereby directors or officers surrender currently owned shares to the Company to cover the option cost for stock option exercises or tax liabilities resulting from the vesting of restricted stock awards or restricted stock units. Of the amounts in 2020,

Lease Commitments

Lease Commitments	12 Months Ended
Lease Commitments	Dec. 31, 2022
Lease Commitments
Lease Commitments	Note 21—Lease Commitments Our outstanding lease agreements are for real estate properties, including retail branch locations, operations and administration locations and stand-alone ATM locations. We have determined the number and dollar amount of our equipment leases is not material. As of December 31, 2022 and 2021, we had operating ROU assets of $108.0 million and $110.3 million, respectively, and operating lease liabilities of $115.6 million and $115.9 million, respectively. We maintain leases on land and buildings for our operating centers, branch facilities and ATM locations. Most leases include . The exercise of renewal options is based on the sole judgment of management and what is considered to be reasonably certain given the current environment. Factors in determining whether an option is reasonably certain of exercise include, but are not limited to, the value of leasehold improvements, the value of renewal rate compared to market rates, and the presence of factors that would cause a significant economic penalty to us if the option is not exercised. Leases with an initial term of 12 months or less are not recorded on the balance sheet and instead are recognized in lease expense on a straight-line basis over the lease term. We do not sublease any portion of these locations to third parties. (Dollars in thousands) Year Ended December 31, 2022 2021 2020 Lease Cost Components: Amortization of ROU assets - finance leases $ 466 $ 466 $ 289 Interest on lease liabilities - finance leases 49 56 44 Operating lease cost (cost resulting from lease payments) 17,782 17,236 14,266 Short-term lease cost 820 446 404 Variable lease cost (cost excluded from lease payments) 2,399 2,768 1,081 Total lease cost $ 21,516 $ 20,972 $ 16,084 Supplemental Cash Flow and Other Information Related to Leases: Finance lease - operating cash flows $ 49 $ 56 $ 42 Finance lease - financing cash flows 434 427 255 Operating lease - operating cash flows (fixed payments) 17,253 16,435 12,876 Operating lease - operating cash flows (net change asset/liability) (13,723) (12,790) (9,123) New ROU assets - operating leases 12,635 9,623 43,583 New ROU assets - finance leases — — 5,374 Weighted - average remaining lease term (years) - finance leases 5.42 6.41 7.40 Weighted - average remaining lease term (years) - operating leases 10.03 10.95 11.51 Weighted - average discount rate - finance leases 1.7% 1.7% 1.7% Weighted - average discount rate - operating leases 3.0% 3.2% 3.3% Operating lease payments due: 2023 $ 16,280 2024 14,909 2025 13,546 2026 13,135 2027 12,172 Thereafter 66,551 Total undiscounted cash flows 136,593 Discount on cash flows (20,983) Total operating lease liabilities $ 115,610 As of December 31, 2022, the Company held a small number of finance leases assumed in connection to the CenterState merger completed in 2020. These leases were all real estate leases. Terms and conditions are similar to those real estate operating leases described above. Lease classifications from the acquired institutions were retained. At December 31, 2022, we did not maintain any leases with related parties, and determined that the number and dollar amount of equipment leases was immaterial. As of December 31, 2022, we had See further discussion in Note 1 —

Contingent Liabilities

Contingent Liabilities	12 Months Ended
Contingent Liabilities	Dec. 31, 2022
Contingent Liabilities
Contingent Liabilities	Note 22—Contingent Liabilities The Company has been named as defendant in various legal actions, arising from its normal business activities, in which damages in various amounts are claimed. The Company is also exposed to litigation risk related to the prior business activities of banks acquired through whole bank acquisitions. Although the amount of any ultimate liability with respect to such matters cannot be determined, in the opinion of management, any such liability will not have a material effect on the Company’s consolidated financial statements. The Company and its subsidiary are involved at times in certain litigation arising in the normal course of business. In the opinion of management as of December 31, 2022, there were

Related Party Transactions

Related Party Transactions	12 Months Ended
Related Party Transactions	Dec. 31, 2022
Related Party Transactions
Related Party Transactions	Note 23—Related Party Transactions During 2022 and 2021, the Company’s banking subsidiary had loan and deposit relationships with certain related parties, principally directors and executive officers, their immediate families and their business interests. All of these relationships were in the ordinary course of business at rates and terms substantially consistent with similar transactions with unrelated parties. Loans outstanding to this group (including immediate families and business interests) totaled 31, 2022 and 2021 respectively. During 2022, million were received during the year. There were also additions to related party loans of million due to the removal of related parties in 2022. During 2021, million were received during the year. Related party deposits totaled approximately

Financial Instruments with Off-

Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
Financial Instruments with Off-Balance Sheet Risk	Dec. 31, 2022
Financial Instruments with Off-Balance Sheet Risk
Financial Instruments with Off-Balance Sheet Risk	Note 24—Financial Instruments with Off-Balance Sheet Risk The Bank is a party to credit related financial instruments with off- balance sheet risks, which are carried out in the normal course of business to meet the financing needs of the Bank’s customers. These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees. Such commitments involve, to varying degrees, elements of credit, interest rate, or liquidity risk in excess of the amounts recognized in the consolidated balance sheets. The contract amounts of these instruments express the extent of involvement the banking subsidiary has in particular classes of financial instruments. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, standby letters of credit, and financial guarantees is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on- balance sheet instruments. At December 31, 2022 and 2021, the following financial instruments, whose contract amounts represent credit risk, were outstanding: Year Ended December 31, (Dollars in thousands) 2022 2021 Commitments to extend credit $ 11,109,260 $ 7,416,311 Standby letters of credit and financial guarantees 93,882 71,824 $ 11,203,142 $ 7,488,135 As of December 31, 2022, the Bank had recorded a liability for expected credit losses on unfunded commitments, excluding unconditionally cancellable exposures and letters of credit, of $67.2 million and $30.5 million, respectively, which was recorded in Other Liabilities on the Consolidated Balance Sheets. — Commitments to Extend Credit Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future liquidity requirements. The Bank evaluates each customer’s credit worthiness on a case-by- case basis. The amount of collateral obtained, if deemed necessary by the bank upon extension of credit, is based on management’s credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and personal guarantees. Unfunded commitments under commercial lines-of- credit, revolving credit lines and overdraft protection agreements are commitments for possible future extensions of credit to existing customers. These lines-of-credit are uncollateralized and usually do not contain a specified maturity date and may not be drawn to the extent to which the banking subsidiary is committed. Standby Letters of Credit and Financial Guarantees Standby letters of credit and financial guarantees are conditional commitments issued by the banking subsidiary to guarantee the performance of a customer to a third-party. Those letters of credit and guarantees are primarily issued to support public and private borrowing arrangements. Essentially, all standby letters of credit have expiration dates within . The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the customer.

Fair Value

Fair Value	12 Months Ended
Fair Value	Dec. 31, 2022
Fair Value.
Fair Value	Note 25—Fair Value GAAP defines fair value and establishes a framework for measuring and disclosing fair value. Fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. The Company uses fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. Available for sale and trading securities, derivative contracts, mortgage loans held for sale, SBA servicing rights, and mortgage servicing rights (“MSRs”) are recorded at fair value on a recurring basis. Additionally, from time to time, we may be required to record at fair value other assets on a nonrecurring basis, such as impaired loans, OREO, bank properties held for sale, and certain other assets. These nonrecurring fair value adjustments typically involve application of lower of cost or market accounting or write-downs of individual assets. FASB ASC 820 establishes a three-tier fair value hierarchy which prioritizes the inputs used in measuring fair value as follows: Level 1 Observable inputs such as quoted prices in active markets; Level 2 Inputs, other than the quoted prices in active markets, that are observable either directly or indirectly; and Level 3 Unobservable inputs in which there is little or no market data, which require the reporting entity to develop its own assumptions. The following is a description of valuation methodologies used for assets recorded at fair value. Trading Securities The fair values of trading securities are determined as follows: (1) for those securities that have traded prior to the date of the Consolidated Balance Sheets but have not settled (date of sale) until after such date, the sales price is used as the fair value; and, (2) for those securities which have not traded as of the date of the Consolidated Balance Sheets, the fair value was determined by broker price indications of similar or same securities. Investment Securities Securities available for sale are valued on a recurring basis at quoted market prices where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable securities. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange and The NASDAQ Stock Market. Level 2 securities include mortgage-backed securities and debentures issued by government agencies or sponsored entities, municipal bonds and corporate debt securities, or U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of FHLB and FRB stock approximates fair value based on the redemption provisions. Mortgage Loans Held for Sale Mortgage loans held for sale are carried at fair value with changes in fair value recognized in current period earnings. The fair values of mortgage loans held for sale are based on commitments on hand from investors within the secondary market for loans with similar characteristics. As such, the fair value adjustments for mortgage loans held for sale are recurring Level 2. Loans We do not record loans at fair value on a recurring basis. However, from time to time, a loan may be individually evaluated for expected credit losses if it no longer shares similar risk characteristics with other pooled loans. Once a loan is identified as an individually evaluated loan, management measures expected credit losses using estimated fair value methodologies. The fair value of the individually evaluated loans is estimated using one of several methods, including collateral value, market value of similar debt, enterprise value, liquidation value and discounted cash flows. Those individually evaluated loans not requiring an ACL represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At December 31, 2022, the individually evaluated loans were evaluated based on the fair value of the collateral because such loans were considered collateral dependent. Individually evaluated loans, where an allowance is established based on the fair value of collateral, requires classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value, we consider the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value and there is no observable market price, we consider the individually evaluated loan as nonrecurring Level 3. Other Real Estate Owned (“OREO”) OREO, consisting of properties obtained through foreclosure or in satisfaction of loans, is typically reported at fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, and adjusted for estimated selling costs (Level 2). However, OREO is considered Level 3 in the fair value hierarchy because management has qualitatively applied a discount due to the size, supply of inventory, and the incremental discounts applied to the appraisals. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals. At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the ACL. Gains or losses on sale and generally any subsequent adjustments to the value are recorded as a component of OREO Expense and Loan Related Expense in the Consolidated Statements of Income. Bank Property Held for Sale Bank property held for sale consists of locations that management has identified as no longer needed and reclassified from bank premises. These properties are typically reported at fair value, determined on the basis of current appraisals, comparable sales, and other estimates of value obtained principally from independent sources, and adjusted for estimated selling costs (Level 2). However, bank property held for sale is considered Level 3 in the fair value hierarchy because management has qualitatively applied a discount due to the size, supply of inventory, restrictions and the incremental discounts applied to the appraisals. Management also considers other factors, including changes in absorption rates, length of time the property has been on the market and anticipated sales values, which have resulted in adjustments to the collateral value estimates indicated in certain appraisals. At the time a property is identified as held for sale, any excess of the book balance over the fair value of the real estate is treated as a charge against earnings. Gains or losses on sale and generally any subsequent write-downs to the value are recorded as a component in Other Expense in the Consolidated Statements of Income. Derivative Financial Instruments Fair value is estimated using pricing models of derivatives with similar characteristics or discounted cash flow models where future floating cash flows are projected and discounted back; and accordingly, these derivatives are classified within Level 2 of the fair value hierarchy. See Note 28—Derivative Financial Instruments for additional information. Mortgage servicing rights (“MSRs”) and SBA Servicing Asset The estimated fair value of MSRs and SBA servicing asset is obtained through a third-party vendor analysis of future cash flows. In early 2022 and in connection with the SBA servicing asset acquired through the Atlantic Capital acquisition, the Company began using a third-party vendor analysis of future cash flows to determine the fair value of the servicing asset. Previously, the SBA servicing asset was recorded at amortized cost. The valuations for the servicing asset use assumptions market participants would use in determining fair value including market discount rates, prepayment speeds, servicing income, servicing costs, default rates and other market driven data, as well as the market’s perception of future interest rate movements. MSRs and SBA servicing asset are classified as Level 3. Assets and Liabilities Recorded at Fair Value on a Recurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a recurring basis. Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) December 31, 2022: Assets Derivative financial instruments $ 211,016 $ — $ 211,016 $ — Loans held for sale 28,968 — 28,968 — Trading securities 31,263 — 31,263 — Securities available for sale: U.S. Treasuries 265,638 — 265,638 — U.S. Government agencies 219,088 — 219,088 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,698,353 — 1,698,353 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 601,045 — 601,045 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,000,398 — 1,000,398 — State and municipal obligations 1,064,852 — 1,064,852 — Small Business Administration loan-backed securities 444,810 — 444,810 — Corporate securities 32,638 — 32,638 — Total securities available for sale 5,326,822 — 5,326,822 — Mortgage servicing rights 86,610 — — 86,610 SBA servicing asset 6,068 — — 6,068 $ 5,690,747 $ — $ 5,598,069 $ 92,678 Liabilities Derivative financial instruments $ 1,034,143 $ — $ 1,034,143 $ — December 31, 2021: Assets Derivative financial instruments $ 414,742 $ — $ 414,742 $ — Loans held for sale 191,723 — 191,723 — Trading securities 77,689 — 77,689 — Securities available for sale: U.S. Government agencies 97,117 — 97,117 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,831,039 — 1,831,039 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 725,995 — 725,995 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,241 — 1,207,241 — State and municipal obligations 812,689 — 812,689 — Small Business Administration loan-backed securities 500,663 — 500,663 — Corporate securities 18,734 — 18,734 — Total securities available for sale 5,193,478 — 5,193,478 — Mortgage servicing rights 65,620 — — 65,620 $ 5,943,252 $ — $ 5,877,632 $ 65,620 Liabilities Derivative financial instruments $ 288,561 $ — $ 288,561 $ — There were no financial instruments transferred between Level 1 and Level 2 of the valuation hierarchy for the years ended December 31, 2022 and 2021. Changes in Level 3 Fair Value Measurements When a determination is made to classify a financial instrument within Level 3 of the valuation hierarchy, the determination is based upon the significance of the unobservable factors to the overall fair value measurement. However, since Level 3 financial instruments typically include, in addition to the unobservable or Level 3 components, observable components (that is, components that are actively quoted and can be validated to external sources), the gains and losses below include changes in fair value due in part to observable factors that are part of the valuation methodology. There were no changes in hierarchy classifications of Level 31, 2022. A reconciliation of the beginning and ending balances of the MSRs recorded at fair value on a recurring basis for the years ended December 31, 2022 and 2021 is as follows: (Dollars in thousands) Assets Fair value, January 1, 2022 $ 65,620 Servicing assets that resulted from transfers of financial assets 16,002 Changes in fair value due to valuation inputs or assumptions 14,886 Changes in fair value due to decay (9,898) Fair value, December 31, 2022 $ 86,610 Fair value, January 1, 2021 $ 43,820 Servicing assets that resulted from transfers of financial assets 26,733 Changes in fair value due to valuation inputs or assumptions 4,932 Changes in fair value due to decay (9,865) Fair value, December 31, 2021 $ 65,620 In 2022, the Company elected to prospectively apply fair value accounting to the Company’s SBA servicing asset, which is considered a Level 3 asset. A reconciliation of the beginning and ending balances of the SBA servicing asset recorded at fair value on a recurring basis for the period ending December 31, 2022 is as follows: (Dollars in thousands) Assets Beginning Balance, June 30, 2022 $ 7,369 Servicing assets that resulted from transfers of financial assets 1,273 Changes in fair value due to decay (1,845) Changes in fair value due to valuation inputs or assumptions (729) Fair value, December 31, 2022 $ 6,068 The beginning balance in the table above includes the SBA servicing asset of $3.2 million acquired in connection with the Atlantic Capital acquisition. There were no unrealized losses included in accumulated other comprehensive (loss) income related to Level 3 financial assets and liabilities at December 31, 2022 or 2021. See Note 29 — Assets and Liabilities Recorded at Fair Value on a Nonrecurring Basis The tables below present the recorded amount of assets and liabilities measured at fair value on a nonrecurring basis: Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) December 31, 2022: OREO $ 1,023 $ — $ — $ 1,023 Bank property held for sale 17,754 — — 17,754 Individually evaluated loans 56,719 — — 56,719 December 31, 2021: OREO $ 2,736 $ — $ — $ 2,736 Bank property held for sale 9,578 — — 9,578 Individually evaluated loans 20,802 — — 20,802 Quantitative Information about Level 3 Fair Value Measurements Weighted Average December 31, December 31, Valuation Technique Unobservable Input 2022 2021 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 31 % 9 % OREO and premises held for sale Discounted appraisals Collateral discounts and estimated costs to sell 16 % 24 % Fair Value of Financial Instruments We used the following methods and assumptions in estimating our fair value disclosures for financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those models are significantly affected by the assumptions used, including the discount rates and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The use of different methodologies may have a material effect on the estimated fair value amounts. The fair value estimates presented herein are based on pertinent information available to management as of December 31, 2022 and 2021. Such amounts have not been revalued for purposes of these consolidated financial statements since those dates and, therefore, current estimates of fair value may differ significantly from the amounts presented herein. The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and Cash Equivalents Trading Securities I nvestment Securities —Securities available for sale are valued at quoted market prices or dealer quotes. Securities held to maturity are valued at quoted market prices or dealer quotes similar to securities available for sale. The carrying value of FHLB and FRB stock approximates fair value based on the redemption provisions. The carrying value of our investment in unconsolidated subsidiaries approximates fair value. See Note 3 — Loans held for sale Loans — The fair value of loans is based on an exit price. To estimate an exit price, all loans (fixed and variable) are being valued with a discounted cash flow analyses for loans that includes our estimate of future credit losses expected to be incurred over the life of the loans. Fair values for certain mortgage loans (e.g., one-to-four family residential) and other consumer loans are estimated using discounted cash flow analyses based on our current rates offered for new loans of the same type, structure and credit quality. Fair values for other loans (e.g., commercial real estate and investment property mortgage loans, commercial and industrial loans) are estimated using discounted cash flow analyses-using interest rates we currently offer for loans with similar terms to borrowers of similar credit quality. Fair values for non-performing loans are estimated using a discounted cash flow analysis. Deposit Liabilities —The fair values disclosed for demand deposits (e.g., interest and non-interest bearing checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amounts). The carrying amounts of variable-rate, fixed-term money market accounts, and certificates of deposit approximate their fair values at the reporting date. Fair values for fixed-rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits. Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Other Borrowings Accrued Interest —The carrying amounts of accrued interest approximate fair value. The accrued interest receivable for available for sale and held to maturity securities and accrued interest payable for deposits and other borrowings are considered Level 2. The accrued interest receivable for loans is considered Level 3. Derivative Financial Instruments Commitments to Extend Credit, Standby Letters of Credit and Financial Guarantees —The fair values of commitments to extend credit are estimated taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair values of guarantees and letters of credit are based on fees currently charged for similar agreements or on the estimated costs to terminate them or otherwise settle the obligations with the counterparties at the reporting date. The estimated fair value, and related carrying amount, of the Company’s financial instruments are as follows: Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 December 31, 2022 Financial assets: Cash and cash equivalents $ 1,312,563 $ 1,312,563 $ 1,312,563 $ — $ — Trading securities 31,263 31,263 — 31,263 — Investment securities 8,189,780 7,756,707 179,717 7,576,990 — Loans held for sale 28,968 28,968 — 28,968 — Loans, net of allowance for credit losses 29,821,418 29,329,499 — — 29,329,499 Accrued interest receivable 134,594 134,594 — 28,449 106,145 Mortgage servicing rights 86,610 86,610 — — 86,610 SBA servicing asset 6,068 — — — 6,068 Interest rate swap - non-designated hedge 210,216 210,216 — 210,216 — Other derivative financial instruments (mortgage banking related) 800 800 — 800 — Financial liabilities: Deposits 36,350,623 36,264,401 — 36,264,401 — Federal funds purchased and securities sold under agreements to repurchase 556,417 556,417 — 556,417 — Other borrowings 392,275 377,360 — 377,360 — Accrued interest payable 6,218 6,218 — 6,218 — Interest rate swap - non-designated hedge 1,033,980 1,033,980 — 1,033,980 — Other derivative financial instruments (mortgage banking related) 163 163 — 163 — Off balance sheet financial instruments: Commitments to extend credit — (184,801) — (184,801) — December 31, 2021 Financial assets: Cash and cash equivalents $ 6,721,571 $ 6,721,571 $ 6,721,571 $ — $ — Trading securities 77,689 77,689 — 77,689 — Investment securities 7,173,947 7,132,110 160,568 6,971,542 — Loans held for sale 191,723 191,723 — 191,723 — Loans, net of allowance for credit losses 23,626,359 23,921,372 — — 23,921,372 Accrued interest receivable 90,069 90,069 — 19,241 70,828 Mortgage servicing rights 65,620 65,620 — — 65,620 Interest rate swap - non-designated hedge 408,776 408,776 — 408,776 — Other derivative financial instruments (mortgage banking related) 5,966 5,966 — 5,966 — Financial liabilities: Deposits 35,054,829 35,050,516 — 35,050,516 — Federal funds purchased and securities sold under agreements to repurchase 781,239 781,239 — 781,239 — Other borrowings 327,066 334,640 — 334,640 — Accrued interest payable 3,345 3,345 — 3,345 — Interest rate swap - non-designated hedge 288,561 288,561 — 288,561 — Off balance sheet financial instruments: Commitments to extend credit — 93,501 — 93,501 —

Regulatory Matters

Regulatory Matters	12 Months Ended
Regulatory Matters	Dec. 31, 2022
Regulatory Matters
Regulatory Matters	Note 26—Regulatory Matters The Company is subject to regulations with respect to certain risk-based capital ratios. These risk-based capital ratios measure the relationship of capital to a combination of balance sheet and off-balance sheet risks. The values of both balance sheet and off-balance sheet items are adjusted based on the rules to reflect categorical credit risk. In addition to the risk-based capital ratios, the regulatory agencies have also established a leverage ratio for assessing capital adequacy. The leverage ratio is equal to Tier 1 capital divided by total consolidated on-balance sheet assets (minus amounts deducted from Tier 1 capital). The leverage ratio does not involve assigning risk weights to assets. Under current regulations, the Company and the Bank are subject to a minimum ratio of common equity Tier 1 capital (“CET1”) to risk-weighted assets of 4.5% and a minimum required ratio of Tier 1 capital to risk-weighted assets of 6% . The minimum required leverage ratio is . The minimum required total capital to risk-weighted assets ratio is In order to avoid restrictions on capital distributions and discretionary bonus payments to executives, under the new rules a covered banking organization is also required to maintain a “capital conservation buffer” in addition to its minimum risk-based capital requirements. This buffer is required to consist solely of CET1, and the buffer applies to all three risk-based measurements (CET1, Tier 1 capital and total capital). The capital conservation buffer became fully phased-in on January 1, 2019 and consists of an additional amount of Tier 1 common equity equal to weighted assets. The Bank is also subject to the regulatory framework for prompt corrective action, which identifies five capital categories for insured depository institutions (well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized) and is based on specified thresholds for each of the three risk-based regulatory capital ratios (CET1, Tier 1 capital and total capital) and for the leverage ratio. The following table presents actual and required capital ratios as of December 31, 2022 and December 31, 2021 for the Company and the Bank under the current capital rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations. Required to be Minimum Capital Considered Well Actual Required - Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,788,106 10.96 % $ 2,420,417 7.00 % $ 2,247,530 6.50 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,417,133 7.00 % 2,244,481 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,788,106 10.96 % 2,939,077 8.50 % 2,766,190 8.00 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,935,090 8.50 % 2,762,438 8.00 % Total capital to risk-weighted assets: Consolidated 4,485,397 12.97 % 3,630,625 10.50 % 3,457,738 10.00 % SouthState Bank (the Bank) 4,381,336 12.69 % 3,625,700 10.50 % 3,453,047 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,788,106 8.72 % 1,736,991 4.00 % 2,171,239 5.00 % SouthState Bank (the Bank) 4,074,045 9.39 % 1,736,330 4.00 % 2,170,412 5.00 % December 31, 2021: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,201,644 11.76 % $ 1,905,129 7.00 % $ 1,769,049 6.50 % SouthState Bank (the Bank) 3,431,069 12.63 % 1,901,252 7.00 % 1,765,448 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,201,644 11.76 % 2,313,371 8.50 % 2,177,291 8.00 % SouthState Bank (the Bank) 3,431,069 12.63 % 2,308,663 8.50 % 2,172,859 8.00 % Total capital to risk-weighted assets: Consolidated 3,692,674 13.57 % 2,857,694 10.50 % 2,721,613 10.00 % SouthState Bank (the Bank) 3,594,099 13.23 % 2,851,878 10.50 % 2,716,074 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,201,644 8.08 % 1,584,605 4.00 % 1,980,756 5.00 % SouthState Bank (the Bank) 3,431,069 8.68 % 1,581,773 4.00 % 1,977,216 5.00 % As of December 31, 2022 and 2021, the capital ratios of the Company and the Bank were well in excess of the minimum regulatory requirements and exceeded the thresholds for the “well capitalized” regulatory classification. In accordance with ASU No. 2016-13, the Company applied the provisions of the standard using the modified retrospective method as a cumulative-effect adjustment to retained earnings. Related to the implementation of ASU 2016-13, the Company recorded additional allowance for credit losses for loans of million. Instead of recognizing the effects from ASU 2016-13 at adoption, the standard included a transitional method option for recognizing the adoption date effects on the Company’s regulatory capital calculations over a three-year phase-in. In March 2020, in response to the COVID-19 pandemic, the regulatory agencies provided an additional transitional method option of a two-year deferral for the start of the three-year phase-in of the recognition of the adoption date effects of ASU 2016-13 along with an option to defer the current impact on regulatory capital calculations of ASU 2016-13 during the first two years (“5-year method”). Under this 5-year method, the Company would recognize an estimate of the previous incurred loss method for determining the allowance for credit losses in regulatory capital calculations and the difference from the CECL method would be deferred for two years. After two years, the effects from adoption date and the deferral difference from the first two years of applying CECL would be phased-in over three years using the straight-line method. The regulatory rules provided a one-time opportunity at the end of the first quarter of 2020 for covered banking organizations to choose its transition option for CECL. The Company chose the 5-year method and is deferring the recognition of the effects from adoption date and the CECL difference from the first two years of application. This amount was fixed as of December 31, 2021, and the Company began the three-year phase out period with During the first quarter of 2022 the Company assumed $75.0 million in subordinated debentures Atlantic Capital which qualified as Tier 2 capital and increased total risk-based capital. The effects from this addition were partially offset by the Company redeeming million of subordinated debentures during the second quarter of 2022 which previously qualified as Tier 2 capital.

Condensed Financial Statements

Condensed Financial Statements of Parent Company	12 Months Ended
Condensed Financial Statements of Parent Company	Dec. 31, 2022
Condensed Financial Statements of Parent Company
Condensed Financial Statements of Parent Company	Note 27—Condensed Financial Statements of Parent Company Financial information pertaining only to SouthState Corporation is as follows: Condensed Balance Sheets December 31, (Dollars in thousands) 2022 2021 ASSETS Cash $ 89,069 $ 81,051 Investment in subsidiaries 5,368,525 5,039,776 Other assets 12,555 10,556 Total assets $ 5,470,149 $ 5,131,383 LIABILITIES AND SHAREHOLDERS’ EQUITY Corporate and subordinated debentures $ 392,275 $ 327,066 Other Liabilities 2,947 1,377 Shareholders’ equity 5,074,927 4,802,940 Total liabilities and shareholders’ equity $ 5,470,149 $ 5,131,383 Condensed Statements of Income Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Income: Dividends from subsidiaries $ 220,124 $ 200,083 $ 90,404 Operating (loss) income (68) 25 52 Total income 220,056 200,108 90,456 Operating expenses 30,514 40,727 45,574 Income before income tax benefit and equity in undistributed earnings of subsidiaries 189,542 159,381 44,882 Applicable income tax benefit 6,649 9,053 8,960 Equity in undistributed earnings of subsidiaries 299,858 307,109 66,790 Net income available to common shareholders $ 496,049 $ 475,543 $ 120,632 Condensed Statements of Cash Flows Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Cash flows from operating activities: Net income $ 496,049 $ 475,543 $ 120,632 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization (208) 1,382 1,528 Share-based compensation 35,638 25,721 23,316 Extinguishment of debt cost — 11,706 — Decrease (increase) in other assets (375) 5,690 (11,710) Decrease in other liabilities (243) (3,648) (12,323) Undistributed earnings of subsidiaries (299,858) (307,109) (66,790) Net cash provided by operating activities 231,003 209,285 54,653 Cash flows from investing activities: Repayment of investments in and advances to subsidiaries — 93,591 163,000 Net cash inflow from acquisitions 51,566 — 19,650 Net cash provided by investing activities 51,566 93,591 182,650 Cash flows from financing activities: Repayment of other borrowings (13,000) (75,878) — Common stock issuance 2,858 2,384 1,537 Common stock repurchased (119,330) (147,421) (32,431) Dividends paid on common stock (146,664) (135,337) (98,256) Stock options exercised 1,585 2,905 1,681 Net cash used in financing activities (274,551) (353,347) (127,469) Net (decrease) increase in cash and cash equivalents 8,018 (50,471) 109,834 Cash and cash equivalents at beginning of period 81,051 131,522 21,688 Cash and cash equivalents at end of period $ 89,069 $ 81,051 $ 131,522

Derivative Financial Instrument

Derivative Financial Instruments	12 Months Ended
Derivative Financial Instruments	Dec. 31, 2022
Derivative Financial Instruments
Derivative Financial Instruments	Note 28—Derivative Financial Instruments The Company uses certain derivative instruments to meet the needs of customers as well as to manage the interest rate risk associated with certain transactions. The following table summarizes the derivative financial instruments used by the Company: December 31, 2022 December 31, 2021 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Assets and Other Liabilities $ 12,289 $ 414 $ — $ 15,716 $ — $ 1,355 Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,480,171 8,539 1,033,980 10,404,605 408,776 69,998 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,400,733 201,263 — 10,402,394 — 217,208 Not designated hedges of interest rate risk - mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets and Other Liabilities 35,000 — 163 205,000 1,228 — Contracts used to hedge mortgage pipeline Other Assets 51,000 800 — 324,000 4,738 — Total derivatives $ 20,979,193 $ 211,016 $ 1,034,143 $ 21,351,715 $ 414,742 $ 288,561 Cash Flow Hedges of Interest Rate Risk The Company is exposed to interest rate risk in the course of its business operations and manages a portion of this risk through the use of derivative financial instruments, in the form of interest rate swaps. We account for interest rate swaps that are classified as cash flow hedges on the balance sheet at fair value. We had no cash flow hedges as of December 31, 2022 and 2021. For more information regarding the fair value of the Company’s derivative financial instruments, see Note 25 — Fair Value, to these financial statements. For derivatives designated as hedging exposure to variable cash flows of a forecasted transaction (cash flow hedge), the derivative’s entire gain or loss is initially reported as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings or when the hedged instrument and related swap are terminated before maturity. For derivatives that are not designated as hedging instruments, changes in the fair value of the derivatives are recognized in earnings immediately. Historically, for designated hedging relationships, we have had a third-party perform retrospective and prospective effectiveness testing on a quarterly basis using quantitative methods to determine if the hedge is still highly effective. Hedge accounting ceases on transactions that are no longer deemed highly effective, or for which the derivative has been terminated or de-designated. The Company did not maintain any cash flow hedges on the balance sheet throughout the years ended December 31, 2022 and 2021 (See Note 15 — Credit risk related to the derivative arises when amounts receivable from the counterparty (derivatives dealer) exceed those payable. We control the risk of loss by only transacting with derivatives dealers that are national market makers whose credit ratings are strong. Each party to the interest rate swap is required to provide collateral in the form of cash or securities to the counterparty when the counterparty’s exposure to a mark-to-market replacement value exceeds certain negotiated limits. These limits are typically based on current credit ratings and vary with ratings changes. With the Company not maintaining any cash flow hedges at December 31, 2022 and 2021, there was collateral pledged. Balance Sheet Fair Value Hedge As of December 31, 2022 and 2021, the Company maintained loan swaps, with an aggregate notional amount of $12.3 million and $15.7 million, respectively, accounted for as a fair value hedge. This derivative protects us from interest rate risk caused by changes in the LIBOR curve in relation to a certain designated fixed rate loan. The derivative converts the fixed rate loan to a floating rate. Settlement occurs in any given period where there is a difference in the stated fixed rate and variable rate and the difference is recorded in net interest income . The fair value of this hedge is recorded in either other assets or in other liabilities depending on the position of the hedge with the offset recorded in loans. For the year ended December 31, 2022, a gain of was recorded. There was Non-designated Hedges of Interest Rate Risk Interest Rate Contracts The Company maintains interest rate swap contracts with customers that are classified as non-designated hedges and are not speculative in nature. These agreements are designed to convert customer’s variable rate loans with the Company to fixed rate. These interest rate swaps are executed with loan customers to facilitate a respective risk management strategy and allow the customer to pay a fixed rate of interest to the Company. These interest rate swaps are simultaneously hedged by executing offsetting interest rate swaps with unrelated market counterparties to minimize the net risk exposure to the Company resulting from the transactions and allow the Company to receive a variable rate of interest. The interest rate swaps pay and receive interest based on a floating rate based on one month LIBOR plus credit spread, with payments being calculated on the notional amount. The Company is in the process of implementing a plan to transition these interest rate swap contracts to a reference rate other than LIBOR. For discussion related to reference rate reform, please refer to Issued But Not Yet Adopted Accounting Standards within Note 1—Summary of Significant Accounting Policies. The interest rate swaps are settled monthly with varying maturities. During 2022, the Company determined the variation margin payments for its interest rate swaps centrally cleared through LCH and CME met the legal characteristics of daily settlements of the derivatives rather than collateral. As a result, the variation margin settlement payment and the related derivative instruments fair value are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position of the swaps with LCH and CME, the fair value, net of the variation margin, is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets. In addition, the expense or income attributable to the variation margin for the centrally cleared swaps with LCH and CME is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income, as opposed to interest income or interest expense. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of December 31, 2022 and 2021, the interest rate swaps had an aggregate notional amount of approximately billion, respectively. At December 31, 2022, the fair value of the interest rate swap derivatives recorded in derivative assets was billion recorded in derivative liabilities. The fair value of derivative assets at December 31, 2022 was reduced by million in variation margin payments applicable to swaps centrally cleared through LCH and CME. At December 31, 2021, the fair value of the interest rate swap derivatives recorded in derivative assets was million recorded in derivative liabilities. The fair value of derivative liabilities at December 31, 2021 was reduced by million in variation margin payments applicable to swaps centrally cleared through LCH and CME. All changes in fair value are recorded through earnings within Correspondent and Capital Markets Income, a component of Noninterest Income on the Consolidated Statements of Income. As of December 31, 2022, we provided million of cash collateral on the counterparty swaps, which is included in Cash and Cash Equivalents on the Consolidated Balance Sheets as Deposits in Other Financial Institutions (Restricted Cash). The Company also provided million in investment securities at market value as collateral on the counterparty swaps, which is included in Investment Securities on the Consolidated Balance Sheets. Counterparties provided Foreign Exchange The Company may enter into foreign exchange contracts with customers to accommodate their need to convert certain foreign currencies into U.S. Dollars. To offset the foreign exchange risk, the Company may enter into substantially identical agreements with an unrelated market counterparty to hedge these foreign exchange contracts. At December 31, 2022 and 2021, there were no outstanding contracts or agreements related to foreign currency. There was Mortgage Banking The Company also has derivatives contracts that are not classified as accounting hedges to mitigate risks related to the Company’s mortgage banking activities. These instruments may include financial forwards, futures contracts, and options written and purchased, which are used to hedge MSRs; while forward sales commitments are typically used to hedge the mortgage pipeline. Such instruments derive their cash flows, and therefore their values, by reference to an underlying instrument, index or referenced interest rate. The Company does not elect hedge accounting treatment for any of these derivative instruments and as a result, changes in fair value of the instruments (both gains and losses) are recorded in the Company’s Consolidated Statements of Income in mortgage banking income. Mortgage Servicing Rights Derivatives contracts related to MSRs are used to help offset changes in fair value. On December 31, 2022 and 2021, the Company had derivative financial instruments outstanding with notional amounts totaling $35.0 million and $205.0 million related to mortgage servicing rights, respectively. The estimated net fair value of the open contracts related to the mortgage servicing rights was a loss of The following table presents the Company’s notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage loan pipeline. (Dollars in thousands) 2022 2021 Mortgage loan pipeline $ 40,850 $ 264,000 Expected closures 37,210 233,265 Fair value of mortgage loan pipeline commitments 524 4,759 Forward sales commitments 51,000 324,000 Fair value of forward commitments 276 (21)

Mortgage Loan Servicing, Origin

Mortgage Loan Servicing, Origination, and Loans Held for Sale	12 Months Ended
	Dec. 31, 2022
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Mortgage Loan Servicing, Origination, and Loans Held for Sale	Note 29—Mortgage Loan Servicing, Origination, and Loans Held for Sale The portfolio of residential mortgages serviced for others, which is not included in the accompanying Consolidated Balance Sheets, was $6.6 billion and $6.1 billion at December 31, 2022 and 2021, respectively. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts and disbursing payments to investors. The amounts of contractually specified servicing fees earned by the Company during the years ended December 31, 2022 and 2021 were million, respectively. Servicing fees are recorded in At December 31, 2022 and 2021, MSRs were $86.6 million and $65.6 million, respectively, on the Company’s Consolidated Balance Sheets. MSRs are recorded at fair value with changes in fair value recorded as a component of Mortgage Banking Income (Loss) in the Consolidated Statements of Income. The market value adjustments related to MSRs recorded in Mortgage Banking Income (Loss) for the years ended December 31, 2022 and 2021 were gains of million, respectively. The Company has used various free standing derivative instruments to mitigate the income statement effect of changes in fair value resulting from changes in market value adjustments, in addition to changes in valuation inputs and assumptions related to MSRs. The following table presents the changes in the fair value of MSRs and its offsetting hedge. Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Increase in fair value of MSRs $ 14,886 $ 9,930 $ (7,421) Decay of MSRs (9,897) (14,863) (8,793) Loss related to derivatives (18,212) (4,892) 10,177 Net effect on Consolidated Statements of Income $ (13,223) $ (9,825) $ (6,037) The fair value of MSRs is highly sensitive to changes in assumptions and is determined by estimating the present value of the asset’s future cash flows utilizing market- based prepayment rates, discount rates and other assumptions validated through comparison to trade information, industry surveys and with the use of independent third-party appraisals. Changes in prepayment speed assumptions have the most significant impact on the fair value of MSRs. Generally, as interest rates decline, mortgage loan prepayments accelerate due to increased refinance activity, which results in a decrease in the fair value of the MSR. Measurement of fair value is limited to the conditions existing and the assumptions utilized as of a particular point in time, and those assumptions may not be appropriate if applied at a different time. See Note 25 — The characteristics and sensitivity analysis of the MSRs are included in the following table. December 31, (Dollars in thousands) 2022 2021 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 99.9 % Adjustable-rate mortgage loans — % 0.1 % Total 100.0 % 100.0 % Weighted average life 8.37 years 7.35 years Constant Prepayment rate (CPR) 6.4 % 8.4 % Weighted average discount rate 10.0 % 9.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 774 $ 3,961 50 basis point increase 1,428 7,261 25 basis point decrease (902) (4,371) 50 basis point decrease (1,938) (8,966) The sensitivity calculations above are hypothetical and should not be considered predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the changes in assumptions to fair value may not be linear. The effects of an adverse variation in a particular assumption on the fair value of the MSRs as disclosed in the table above is calculated without changing any other assumptions. In reality, changes in one factor may result in adjusting other factors, which may magnify or contract the effects of the change. Custodial escrow balances maintained in connection with the loan servicing were $29.2 million and $29.6 million, respectively, at December 31, 2022 and 2021. Whole loan sales were $1.6 billion and $3.1 billion, respectively, for the years ended December 31, 2022 and 2021, of which $1.2 billion and $2.4 billion, respectively, or 76.7% and 76.8%, respectively, were sold with servicing rights retained by the Company. Loans held for sale have historically been comprised of residential mortgage loans awaiting sale in the secondary market, which generally settle in 15 to 45 days. At December 31, 2022, loans held for sale were $29.0 million, compared to $191.7 million at December 31, 2021.

Investments in Qualified Afford

Investments in Qualified Affordable Housing Projects	12 Months Ended
Investments in Qualified Affordable Housing Projects	Dec. 31, 2022
Investments in Qualified Affordable Housing Projects
Investments in Qualified Affordable Housing Projects	Note 30—Investments in Qualified Affordable Housing Projects The Company has investments in qualified affordable housing projects (“QAHPs”) that provide low income housing tax credits and operating loss benefits over an extended period. The tax credits and the operating loss tax benefits that are generated by each of the properties are expected to exceed the total value of the investment made by the Company. For the year ended December 31, 2022, tax credits and other tax benefits of million were recorded. For the year ended December 31, 2021, the Company recorded tax credits and other tax benefits of million. At December 31, 2022 and 2021, the Company’s carrying value of QAHPs was million respectively. The Company had 31, 2022 and 2021, respectively. of the original investment will be repaid. The investment in QAHPs is being accounted for using the equity method.

Subsequent Events

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2022
Subsequent Events
Subsequent Events	Note 31—Subsequent Events On January 26, 2023, the Company announced the declaration of a quarterly cash dividend on its common stock at $0.50 per share. The dividend was paid on February 17, 2023 to shareholders of record as of February 10, 2023.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2022
Summary of Significant Accounting Policies
Nature of operations	Nature of Operations SouthState Corporation is a financial holding company headquartered in Winter Haven, Florida, and was incorporated under the laws of South Carolina in 1985. We provide a wide range of banking services and products to our customers through our Bank. The Bank operates SouthState Advisory, Inc., a wholly owned registered investment advisor. The Bank also operates SouthState\|Duncan-Williams, Securities Corp. (“SouthState\|DuncanWilliams”), which it acquired on February 1, 2021. SouthState\|Duncan-Williams is a registered broker-dealer, headquartered in Memphis, Tennessee, that serves primarily institutional clients across the U.S. in the fixed income business. The Bank also owns CBI Holding Company, LLC (“CBI”), which in turn owns Corporate Billing, LLC (“Corporate Billing”), a transaction-based finance company headquartered in Decatur, Alabama that provides factoring, invoicing, collection and accounts receivable management services to transportation companies and automotive parts and service providers nationwide. The holding company owns SSB Insurance Corp., a captive insurance subsidiary pursuant to Section 831(b) of the U.S. Tax Code. The Company also operates a correspondent banking division within the national bank subsidiary, of which the majority of its bond salesmen, traders and operational personnel are housed in facilities located in Birmingham, Alabama and Atlanta, Georgia. The Bank provides general banking services within a (6) state footprint in Alabama, Florida, Georgia, North Carolina, South Carolina and Virginia. The accounting and reporting policies of the Company and its consolidated subsidiary conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”). There 31, 2022. During 2021, Unless otherwise mentioned or unless the context requires otherwise, references herein to "SouthState," the "Company" "we," "us," "our" or similar references mean SouthState Corporation and its consolidated subsidiaries. References to the “Bank” means SouthState Bank, National Association.
Basis of Consolidation	Basis of Consolidation The consolidated financial statements include the accounts of the Company and other entities in which it has a controlling financial interest. All significant intercompany balances and transactions have been eliminated in consolidation. Assets held by the Company in trust are not assets of the Company and are not included in the accompanying consolidated financial statements.
Segments	Segments The Company, through the Bank, provides a broad range of financial services to individuals and companies primarily in South Carolina, North Carolina, Florida, Alabama, Georgia and Virginia. These services include, but not limited to, demand, time and savings deposits; lending and credit card servicing; ATM processing; mortgage banking services; correspondent banking services and wealth management and trust services. While the Company’s decision makers monitor the revenue streams of the various financial products and services, operations are managed and financial performance is evaluated on an organization- wide basis. Accordingly, the Company’s banking and finance operations are not considered by management to constitute more than
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses for loans and investment securities held to maturity, fair value of financial instruments, fair values of assets and liabilities acquired in business combinations, loss estimates related to loans and other real estate acquired, evaluating impairment of investment securities, goodwill and other intangible impairment tests and valuation of deferred tax assets. In connection with the determination of the allowance for credit losses, management has identified specific loans as well as adopted a policy of providing amounts for loan valuation purposes which are not identified with any specific loan but are derived from models based on macroeconomic factors and forecasts. Management believes that the allowance for credit losses is adequate. While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic forecasts. In addition, regulatory agencies, as an integral part of the examination process, periodically review the banking subsidiary’s allowance for credit losses. Such agencies may require additions to the allowance based on their judgments about information available to them at the time of their examination.
Concentrations of Credit Risk	Concentrations of Credit Risk The Bank provides agribusiness, commercial, and residential and other consumer loans to customers primarily throughout South Carolina, North Carolina, Florida, Alabama, Virginia and Georgia. Although the Bank has a diversified loan portfolio, a substantial portion of their borrowers’ abilities to honor their contracts is dependent upon economic conditions within South Carolina, North Carolina, Florida, Alabama, Virginia, Georgia and the surrounding regions. The Company considers concentrations of credit to exist when, pursuant to regulatory guidelines, the amounts loaned to a multiple number of borrowers engaged in similar business activities which would cause them to be similarly impacted by general economic conditions represents 25% of total Tier 1 capital plus regulatory adjusted allowance for credit losses of the Company, or $1.0 billion at December 31, 2022. Based on this criteria, we had st st billion. The With some financial institutions adopting CECL in the first quarter of 2020, banking regulators established new guidelines for calculating credit concentrations. Banking regulators set the guidelines for construction, land development and other land loans to total less than 100% of total Tier 1 capital less modified CECL transitional amount plus ACL (CDL concentration ratio) and for total commercial real estate loans (construction, land development and other land loans along with other non-owner occupied commercial real estate and multifamily loans) to total less than 300% of total Tier 1 capital less modified CECL transitional amount plus ACL (CRE concentration ratio). Both ratios are calculated by dividing certain types of loan balances for each of the two categories by the Bank’s total Tier 1 capital less modified CECL transitional amount plus ACL. At December 31, 2022 and 2021, the Bank’s CDL concentration ratio , respectively. As of December 31, 2022, the Bank was below the established regulatory guidelines. When a bank’s ratios are in excess of one or both of these loan concentration ratios guidelines, banking regulators generally require an increased level of monitoring in these lending areas by bank management. Therefore, we monitor these two ratios as part of our concentration management processes.
Cash and Cash Equivalents	Cash and Cash Equivalents For the purpose of presentation in the consolidated statements of cash flows, cash and cash equivalents include cash on hand, cash items in process of collection, amounts due from banks including restricted pledged cash, interest bearing deposits with banks, purchases of securities under agreements to resell, and federal funds sold. Due from bank balances are maintained at other financial institutions. Federal funds sold are generally purchased and sold for one-day periods, but may, from time to time, have longer terms. The Company enters from time to time into purchases of securities under agreements to resell substantially identical securities. When the Company enters into such repurchase agreements, the securities purchased under agreements to resell generally consist of U.S. government-sponsored entities and agency mortgage- backed securities. The Company may elect to use other asset classes at its discretion. It is the Company’s practice to take possession of securities purchased under agreements to resell. The securities are delivered into the Company’s account maintained by a third- party custodian designated by the Company under a written custodial agreement that explicitly recognizes the Company’s interest in the securities. The Company monitors the market value of the underlying securities, including accrued interest, which collateralizes the related receivable on agreements to resell. These agreements were considered to be cash equivalents with maturities within less than one year. The Company held
Trading Securities	Trading Securities Through its Correspondent Banking Department and the Bank’s wholly owned broker dealer SouthState\|Duncan-Williams, the Company purchases trading securities and subsequently sells them to their customers to take advantage of market opportunities, when presented, for short-term revenue gains. Securities purchased for this portfolio are primarily municipals, treasuries and mortgage-backed agency securities and are held for short periods of time. This portfolio is carried at fair value and realized and unrealized gains and losses are included in trading securities revenue, a component of Correspondent Banking and Capital Market Income in our Consolidated Statements of Net Income.
Investment Securities	Investment Securities Debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and carried at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as “available for sale” and carried at fair value with unrealized gains and losses excluded from earnings and reported in Other Comprehensive Income. Purchase premiums and discounts are recognized in interest income using methods approximating the interest method over the terms of the securities. Gains and losses realized on sales of securities available for sale are determined using the specific identification method. Management no longer evaluates securities for other-than-temporary impairment, otherwise referred to herein as Other Than Temporary Impairment (“OTTI”), as ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for sale Debt Securities , changes the accounting for recognizing impairment on available for sale debt securities. Each quarter, management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the Provision for Credit Losses in the Consolidated Statements of Income. (see Note 3—Investment Securities). Other investments include stock acquired for regulatory purposes, investments in unconsolidated subsidiaries and other nonmarketable investment securities. Stock acquired for regulatory purposes include Federal Home Loan Bank of Atlanta (“FHLB”) stock and Federal Reserve Bank (“FRB”) stock. These securities do not have a readily determinable fair value because their ownership is restricted and they lack a market for trading. As a result, these securities are carried at cost and are periodically evaluated for impairment. Investments in unconsolidated subsidiaries represent a minority investment III, TSB Statutory Trust I, SAVB Capital Trust I, SAVB Capital Trust II, Southeastern Bank Financial Statutory Trust I, Southeastern Bank Financial Statutory Trust II, Provident Community Bancshares Capital Trust I, FCRV Statutory Trust I, Community Capital Statutory Trust I, CSBC Statutory Trust I, and Provident Community Bancshares Capital Trust II. These investments are recorded at cost and the Company receives quarterly dividend payments on these investments. Other nonmarketable investment securities consist of Business Development Corporation stock and stock in Banker’s Banks. These investments also do not have a readily determinable fair value because their ownership is restricted and they lack a market for trading. As a result, these securities are carried at cost and are periodically evaluated for impairment.
Loans Held for Sale	Loans Held for Sale The Company sells residential mortgages to government sponsored entities (“GSEs “) and mortgage and third-party investors, who may issue securities backed by pools of such loans. The Company retains no beneficial interests in these sales, but may retain the servicing rights for the loans sold. The Company is obligated to subsequently repurchase a loan if the purchaser discovers a representation or warranty violation such as noncompliance with eligibility or servicing requirements, or customer fraud, that should have been identified in a loan file review. Mortgage loans held for sale are accounted for at fair value on an individual loan basis. Estimated fair value is determined on the basis of existing forward commitments, or the current market value of similar loans. Changes in the fair value, and realized gains and losses on the sales of mortgage loans, are reported in Mortgage Banking Income, a component of Noninterest Income in our Consolidated Statements of Income.
Loans	Loans Loans that management has originated and has the intent and ability to hold for the foreseeable future or until maturity or pay off generally are reported at their unpaid principal balances, less unearned income and net of any deferred loan fees and costs. Unearned income on installment loans is recognized as income over the terms of the loans by methods that generally approximate the interest method. Interest on other loans is calculated by using the simple interest method on daily balances of the principal amount outstanding. We place non acquired loans and acquired loans on nonaccrual once reasonable doubt exists about the collectability of all principal and interest due. Generally, this occurs when principal or interest is 90 days or more past due, unless the loan is well secured and in the process of collection. A loan is evaluated individually for loss when it is on nonaccrual and has a net book balance over $1 million. Large pools of homogeneous loans are collectively evaluated for loss and reserved at the pool level. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as nonaccrual, provided that management expects to collect all amounts due, including interest accrued at the contractual interest rate for the period of delay.
Troubled Debt Restructurings ("TDRs")	Troubled Debt Restructurings (“TDRs”) The Bank measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably-expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the allowance for credit losses. The accounting guidance for TDRs has been superseded with the issuance of ASU 2020-04, which was adopted on January 1, 2023. This ASU’s expanded disclosures on loan modifications to borrowers experiencing financial difficulty will replace the prior TDR disclosures for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Please see Recent Accounting Pronouncements below for more details.
Allowance for Credit Losses ("ACL")	Allowance for Credit Losses (“ACL”) The Company complies with the requirements of Accounting Standards Update (“ASU”) No. 2016-13, Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments , sometimes referred to herein as ASU 2016-13. Topic 326 was subsequently amended by ASU No. 2019-11, Codification Improvements to Topic 326, Financial Instruments-Credit Losses Financial Instruments-Credit Losses Financial Instruments-Credit Losses Derivatives and Hedging Financial Instruments . This standard applies to all financial assets measured at amortized cost and off balance sheet credit exposures, including loans, investment securities and unfunded commitments. We applied the standard’s provisions using the modified retrospective method as a cumulative-effect adjustment to retained earnings as of January 1, 2020. ACL – Investment Securities Management uses a systematic methodology to determine its ACL for investment securities held to maturity. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the held to maturity portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. Management monitors the held to maturity portfolio to determine whether a valuation account should be recorded. As of December 31, 2022, the Company had billion of held to maturity securities and no related valuation account. As of December 31, 2022, the held to maturity portfolio consisted of U.S. Government Agency, U.S. Government Agency Residential and Commercial Mortgage-backed securities, and Small Business Administration loan-backed securities. At December 31, 2022, management does not believe that a fair value below amortized cost is due to credit related factors. ASC Subtopic 326-30, Financial Instruments—Credit Losses—Available for sale Debt Securities , changed the accounting for recognizing impairment on available for sale debt securities. Each quarter, management evaluates impairment where there has been a decline in fair value below the amortized cost basis of a security to determine whether there is a credit loss associated with the decline in fair value. Management considers the nature of the collateral, potential future changes in collateral values, default rates, delinquency rates, third-party guarantees, credit ratings, interest rate changes since purchase, volatility of the security’s fair value and historical loss information for financial assets secured with similar collateral among other factors. Credit losses are calculated individually, rather than collectively, using a discounted cash flow method, whereby management compares the present value of expected cash flows with the amortized cost basis of the security. The credit loss component would be recognized through the Provision for Credit Losses in the Consolidated Statements of Income. Management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the investment securities and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2022 and December 31, 2021, the accrued interest receivables for investment securities recorded in Other Assets were ACL – Loans The ACL for loans held for investment reflects management’s estimate of losses that will result from the inability of our borrowers to make required loan payments. The Company established the incremental increase in the ACL at adoption through equity and subsequent adjustments through a provision for or recovery of credit losses recorded to earnings. The Company records loans charged off against the ACL and subsequent recoveries, if any, increase the ACL when they are recognized. Management uses systematic methodologies to determine its ACL for loans held for investment and certain off-balance-sheet credit exposures. The ACL is a valuation account that is deducted from the amortized cost basis to present the net amount expected to be collected on the loan portfolio. Management considers the effects of past events, current conditions, and reasonable and supportable forecasts on the collectability of the loan portfolio. The Company’s estimate of its ACL involves a high degree of judgment; therefore, management’s process for determining expected credit losses may result in a range of expected credit losses. The Company’s ACL recorded in the balance sheet reflects management’s best estimate within the range of expected credit losses. The Company recognizes in net income the amount needed to adjust the ACL for management’s current estimate of expected credit losses. The Company’s ACL is calculated using collectively evaluated and individually evaluated loans. The allowance for credit losses is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. The Discounted Cash Flow (“DCF”) method is used for each loan in a pool, and the results are aggregated at the pool level. A periodic tendency to default and absolute loss given default are applied to a projective model of the loan’s cash flow while considering prepayment and principal curtailment effects. The analysis produces expected cash flows for each instrument in the pool by pairing loan-level term information (e.g., maturity date, payment amount, interest rate, etc.) with top-down pool assumptions (e.g., default rates and prepayment speeds). The Company has identified the following portfolio segments: Owner-Occupied Commercial Real Estate, Non-Owner Occupied Commercial Real Estate, Multifamily, Municipal, Commercial and Industrial, Commercial Construction and Land Development, Residential Construction, Residential Senior Mortgage, Residential Junior Mortgage, Revolving Mortgage, and Consumer and Other. In determining the proper level of the ACL, management has determined that the loss experience of the Bank provides the best basis for its assessment of expected credit losses. The Company therefore used its own historical credit loss experience by each loan segment over an economic cycle, while excluding loss experience from certain acquired institutions (i.e., failed banks). For most of the segment models for collectively evaluated loans, the Company incorporated two or more macroeconomic drivers using a statistical regression modeling methodology. Management considers forward-looking information in estimating expected credit losses. The Company subscribes to a third-party service which provides a quarterly macroeconomic baseline outlook and alternative scenarios for the United States economy. The baseline, along with the evaluation of alternative scenarios, is used by management to determine the best estimate within the range of expected credit losses. Management has evaluated the appropriateness of the reasonable and supportable forecast scenarios and has made adjustments as needed. For the contractual term that extends beyond the reasonable and supportable forecast period, the Company reverts to the long term mean of historical factors within four quarters using a straight-line approach. The Company generally uses a four-quarter forecast and a four-quarter reversion period. Included in its systematic methodology to determine its ACL, management considers the need to qualitatively adjust expected credit losses for information not already captured in the loss estimation process. These qualitative adjustments either increase or decrease the quantitative model estimation (i.e., formulaic model results). Each period, the Company considers qualitative factors that are relevant within the qualitative framework that includes the following: 1) Lending Policy; 2) Economic conditions not captured in models; 3) Volume and Mix of Loan Portfolio; 4) Past Due Trends; 5) Concentration Risk; 6) External Factors; and 7) Model Limitations. When a loan no longer shares similar risk characteristics with its segment, the asset is assessed to determine whether it should be included in another pool or should be individually evaluated. The Company’s threshold for individually evaluated loans includes all non-accrual loans with a net book balance in excess of $1.0 million. Management will monitor the credit environment and make adjustments to this threshold in the future if warranted. Based on the threshold above, consumer financial assets will generally remain in pools unless they meet the dollar threshold. The expected credit losses on individually evaluated loans will be estimated based on discounted cash flow analysis unless the loan meets the criteria for use of the fair value of collateral, either by virtue of an expected foreclosure or through meeting the definition of collateral-dependent. Financial assets that have been individually evaluated can be returned to a pool for purposes of estimating the expected credit loss insofar as their credit profile improves and that the repayment terms were not considered to be unique to the asset. Management measures expected credit losses over the contractual term of a loan. When determining the contractual term, the Company considers expected prepayments but is precluded from considering expected extensions, renewals, or modifications, unless the Company reasonably expects it will execute a TDR with a borrower. In the event of a reasonably expected TDR, the Company factors the reasonably-expected TDR into the current expected credit losses estimate. For consumer loans, the point at which a TDR is reasonably expected is when the Company approves the borrower’s application for a modification (i.e., the borrower qualifies for the TDR) or when the Credit Administration department approves loan concessions on substandard loans. For commercial loans, the point at which a TDR is reasonably expected is when the Company approves the loan for modification or when the Credit Administration department approves loan concessions on substandard loans. The Company uses a discounted cash flow methodology for a TDR to calculate the effect of the concession provided to the borrower within the ACL. The Company did not early adopt ASU No. 2020-04, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures, that allows for the retirement of TDR guidance. The Company adopted ASU No. 2020-04 effective January 1, 2023. A restructuring that results in only a delay in payments that is insignificant is not considered an economic concession. In accordance with the Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, the Company implemented loan modification programs in response to the COVID-19 pandemic in order to provide borrowers with flexibility with respect to repayment terms. The Company’s payment relief assistance includes forbearance, deferrals, extension and re-aging programs, along with certain other modification strategies. The Company elected the accounting policy in the CARES Act to not apply TDR accounting to loans modified for borrowers impacted by the COVID-19 pandemic if the concession met the criteria as defined under the CARES Act. For purchased credit-deteriorated, otherwise referred to herein as PCD, assets are defined as acquired individual financial assets (or acquired groups of financial assets with similar risk characteristics) that, as of the date of acquisition, have experienced a more-than-insignificant deterioration in credit quality since origination, as determined by the Company’s assessment. The Company records acquired PCD loans by adding the expected credit losses (i.e., allowance for credit losses) to the purchase price of the financial assets rather than recording through the provision for credit losses in the income statement. The expected credit loss, as of the acquisition day, of a PCD loan is added to the allowance for credit losses. The non-credit discount or premium is the difference between the unpaid principal balance and the amortized cost basis as of the acquisition date. Subsequent to the acquisition date, the change in the ACL on PCD loans is recognized through the Provision for Credit Losses in the Consolidated Statements of Income. The non-credit discount or premium is accreted or amortized, respectively, into interest income over the remaining life of the PCD loan on a level-yield basis. In accordance with the transition requirements within the standard, the Company’s acquired credit-impaired loans (i.e., ACI or Purchased Credit Impaired) were treated as PCD loans. The Company follows its nonaccrual policy by reversing contractual interest income in the income statement when the Company places a loan on nonaccrual status. Therefore, management excludes the accrued interest receivable balance from the amortized cost basis in measuring expected credit losses on the portfolio and does not record an allowance for credit losses on accrued interest receivable. As of December 31, 2022 and December 31, 2021, the accrued interest receivables for loans recorded in Other Assets were million, respectively. The Company has a variety of assets that have a component that qualifies as an off-balance sheet exposure. These primarily include undrawn portions of revolving lines of credit and standby letters of credit. The expected losses associated with these exposures within the unfunded portion of the expected credit loss will be recorded as a liability on the balance sheet. Management has determined that a majority of the Company’s off-balance sheet credit exposures are not unconditionally cancellable. Management completes funding studies based on historical data to estimate the percentage of unfunded loan commitments that will ultimately be funded to calculate the reserve for unfunded commitments. Management applies this funding rate, along with the loss factor rate determined for each pooled loan segment, to unfunded loan commitments, excluding unconditionally cancellable exposures and letters of credit, to arrive at the reserve for unfunded loan commitments. As of December 31, 2022 and December 31, 2021, the liability recorded for expected credit losses on unfunded commitments was million, respectively. The current adjustment to the ACL for unfunded commitments is recognized through the Provision for Credit Losses in the Consolidated Statements of Income.
Other Real Estate Owned and Bank Property Held For Sale	Other Real Estate Owned and Bank Property Held For Sale Other real estate owned (“OREO”) consists of properties obtained through foreclosure or through a deed in lieu of foreclosure in satisfaction of loans. The Company discloses former branch site assets as bank property held for sale and reports on a separate line on the Consolidated Balance Sheet. Both OREO and bank property held for sale are recorded at the lower of cost or fair value and the fair value was determined on the basis of current valuations obtained principally from independent sources, adjusted for estimated selling costs. At the time of foreclosure or initial possession of collateral, for OREO, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the ACL. At the time a bank property is no longer in service and is moved to held for sale, any excess of the current book value over fair value is recorded as an expense in the Consolidated Statements of Income in the merger and branch consolidation related expense line item. Subsequent adjustments to this value are described in the following paragraph. The Company reports subsequent declines in the fair value of OREO and bank properties held for sale below the new cost basis through valuation adjustments. Significant judgments and complex estimates are required in estimating the fair value of these properties, and the period of time within which such estimates can be considered current is significantly shortened during periods of market volatility. In response to market conditions and other economic factors, management may utilize liquidation sales as part of its problem asset disposition strategy. As a result of the significant judgments required in estimating fair value and the variables involved in different methods of disposition, the net proceeds realized from sales transactions could differ significantly from the current valuations used to determine the fair value of these properties. Management reviews the value of these properties periodically and adjusts the values as appropriate. Revenue and expenses from OREO operations, as well as gains or losses on sales and any subsequent adjustments to the value, are recorded as OREO Expense and Loan Related Expense, a component of Noninterest Expense in the Consolidated Statements of Income. Expenses related to bank property held for sale, as well as gains or losses on sales and any subsequent adjustments to the value, are recorded in Other Expenses, a component of Noninterest Expense in the Consolidated Statements of Income.
Business Combinations and Method of Accounting for Loans Acquired	B usiness Combinations and Method of Accounting for Loans Acquired The Company accounts for its acquisitions under FASB ASC Topic 805, Business Combinations , which requires the use of the acquisition method of accounting. All identifiable assets acquired, including loans, are recorded at fair value, which now requires us to record purchased financial assets with credit deterioration (PCD assets), defined as a more-than-insignificant deterioration in credit quality since origination or issuance, at the purchase price plus the allowance for credit losses expected at the time of acquisition. Under this method, there is no credit loss expense affecting net income on acquisition of PCD assets. Changes in estimates of expected credit losses after acquisition are recognized as provision for credit losses (or recovery for credit losses) in subsequent periods as they arise. Any non-credit discount or premium resulting from acquiring a pool of purchased financial assets with credit deterioration shall be allocated to each individual asset. At the acquisition date, the initial allowance for credit losses determined on a collective basis shall be allocated to individual assets to appropriately allocate any non-credit discount or premium. The non-credit discount or premium, after the adjustment for the allowance for credit losses, shall be accreted to interest income using the interest method based on the effective interest rate determined after the adjustment for credit losses at the adoption date. A purchased financial asset that does not qualify as a PCD asset is accounted for similar to an originated financial asset. Generally, this means that an entity recognizes the allowance for credit losses for non-PCD assets through net income at the time of acquisition. In addition, both the credit discount and non-credit discount or premium resulting from acquiring a pool of purchased financial assets that do not qualify as PCD assets shall be allocated to each individual asset. This combined discount or premium shall be accreted to interest income using the effective yield method. For further discussion of our loan accounting and acquisitions, see Note 2—Mergers and Acquisitions, Note 4—Loans and Note 5—Allowance for Credit Losses to the audited condensed consolidated financial statements.
Premises and Equipment	Premises and Equipment Land is carried at cost. Office equipment, furnishings, and buildings are carried at cost less accumulated depreciation computed principally on the declining-balance and straight- line methods over the estimated useful lives of the assets. Leasehold improvements are amortized on the straight- line method over the shorter of the estimated useful lives of the improvements or the terms of the related leases including lease renewals only when the Company is reasonably assured of the aggregate term of the lease. Additions to premises and equipment and major replacements are added to the accounts at cost. Maintenance and repairs and minor replacements are charged to expense when incurred. Gains and losses on routine dispositions are reflected in current operations.
Leases (Topic 842)	Leases (Topic 842) Right-of-Use (“ROU”) assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease payments arising from the lease. We determined that we do not have any leases classified as finance leases, and that all of our leases are operating leases, with the exception of the two minor finance leases acquired through the merger with CenterState. ROU assets and liabilities for operating leases are recognized at commencement date based on present value of lease payments not yet paid, discounted using the discount rate for the lease at the lease commencement date over the lease term. For operating leases, lease expense is determined by the sum of the lease payments to be recognized on a straight-line basis over the lease term. As of December 31, 2022 and 2021, we had ROU assets of $108.0 million and $110.3 million, respectively, recorded within Premises and Equipment on the Consolidated Balance Sheets and a lease liability of $115.6 million and $115.9 million, respectively, recorded within Other Liabilities on the Consolidated Balance Sheets.
Bank Owned Life Insurance	Bank Owned Life Insurance Bank owned life insurance (BOLI) are comprised of long-term life insurance contracts on the lives of certain current and past employees where the insurance policy benefits and ownership are retained by the employer. Its cash surrender value is an asset that the Company uses to partially offset the future cost of employee benefits. The cash value accumulation on BOLI is permanently tax deferred if the policy is held to the insured person’s death and certain other conditions are met.
Intangible Assets	Intangible Assets Intangible assets consist of goodwill, core deposit intangibles and client list intangibles that result from the acquisition of other banks or branches from other financial institutions. Core deposit intangibles represent the value of long- term deposit relationships acquired in these transactions. Client list intangibles represent the value of long- term client relationships for the wealth and trust management business. Goodwill represents the excess of the purchase price over the sum of the estimated fair values of the tangible and identifiable intangible assets acquired less the estimated fair value of the liabilities assumed in a business combination. At December 31, 2022 and billion, respectively. Goodwill has an indefinite useful life and is evaluated for impairment annually or more frequently if events and circumstances indicate that the asset might be impaired. An impairment loss is recognized to the extent that the carrying amount exceeds the asset’s fair value. ASU No. 2017-04 simplifies the accounting for goodwill impairment for all entities by requiring impairment charges to be based on Step 1 of the previous accounting guidance’s two-step impairment test under ASC Topic 350. Under this guidance, if a reporting unit’s carrying amount exceeds its fair value, an entity will record an impairment charge based on that difference. The impairment charge will be limited to the amount of goodwill allocated to that reporting unit. The standard eliminates the requirement to calculate a goodwill impairment charge using Step 2 which involved calculating an implied fair value of goodwill for each reporting unit for which the first step indicated impairment. The standard does not change the guidance on completing Step 1 of the goodwill impairment test. An entity will still be able to perform today’s optional qualitative goodwill impairment assessment before determining whether to proceed to the quantitative step of determining whether the reporting unit’s carrying amount exceeds it fair value. The Company evaluated the carrying value of goodwill as of October 31, 2022, our annual test date, considering the effects of COVID-19 and other market conditions and determined that no impairment charge was necessary. Core deposit intangibles and client list intangibles consist primarily of amortizing assets established during the acquisition of other banks. This includes whole bank acquisitions and the acquisition of certain assets and liabilities from other financial institutions. an accelerated basis method which reasonably approximates the anticipated benefit stream from the accounts. The estimated useful lives are periodically reviewed for reasonableness. Client list intangibles, included in Core Deposit and Other Intangibles in the Consolidated Balance Sheets, are amortized over the estimated useful lives of the client lists acquired (generally line method. The estimated useful lives are periodically reviewed for reasonableness.
Mortgage Servicing Rights ("MSRs") and SBA Servicing Asset	Mortgage Servicing Rights (“MSRs”) and SBA Servicing Asset The Company has a mortgage loan servicing portfolio with related mortgage servicing rights. MSRs represent the present value of the future net servicing fees from servicing mortgage loans. Servicing assets and servicing liabilities must be initially measured at fair value, if practicable. For subsequent measurements, an entity can choose to measure servicing assets and liabilities either based on fair value or lower of cost or market. The Company uses the fair value measurement option for MSRs. For the SBA servicing asset, in early 2022 and in connection with the SBA servicing asset acquired through the Atlantic Capital acquisition, the Company began using a third-party vendor analysis of future cash flows to determine the fair value of the servicing asset. In prior periods, the SBA servicing asset was recorded at amortized cost. The methodology used to determine the fair value of MSRs and SBA servicing asset is subjective and requires the development of a number of assumptions, including anticipated prepayments of loan principal. Fair value is determined by estimating the present value of the asset’s future cash flows utilizing estimated market-based prepayment rates and discount rates, interest rates and other economic factors and assumptions validated through comparison to trade information, industry surveys and with the use of independent third-party appraisals. Risks inherent in the MSRs and SBA servicing asset valuation include higher than expected prepayment rates and/or delayed receipt of cash flows. The value of MSRs and SBA servicing asset is significantly affected by interest rates available in the marketplace, which influence loan prepayment speeds. In general, during periods of declining interest rates, the value of mortgage servicing rights declines due to increasing prepayments attributable to increased mortgage refinance activity. Conversely, during periods of rising interest rates, the value of servicing rights generally increases due to reduced refinance activity. MSRs are carried at fair value with changes in fair value recorded as a component of Mortgage Banking Income. SBA servicing asset is carried at fair value with changes in fair value recorded as a component of SBA Income in the Consolidated Statements of Income. The Company also uses derivative instruments to economically mitigate the income statement effect of changes in fair value due to changes in valuation inputs and assumptions of its MSRs and SBA servicing asset.
Transfer of Financial Assets	Transfer of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over the transferred assets is deemed to be surrendered when: (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. The Company reviews all sales of loans by evaluating specific terms in the sales documents and believes that the criteria discussed above to qualify for sales treatment have been met as loans have been transferred for cash and the notes and mortgages for all loans in each sale are endorsed and assigned to the transferee. As stated in the commitment document, the buyer has no recourse with these loans except in the case of fraud. In certain sales, mortgage servicing rights may be retained and in other programs potential loss exposure from the credit enhancement obligation may be retained, both of which are evaluated and appropriately measured at the date of sale. The Company packages fixed rate conforming mortgage loans as securities to investors issued through Fannie Mae and Freddie Mac and sold to third-party investors or sells them to satisfy cash forward mandatory commitments to Fannie Mae and Freddie Mac. The Company records loan securitizations or cash forwards as a sale when the transferred loans are legally isolated from its creditors and the accounting criteria for a sale are met. Gains or losses recorded on loan securitizations and cash forwards depend in part on the net carrying amount of the loans sold, which is allocated between the loans sold and retained interests based on their relative fair values at the date of sale. The Company generally retains mortgage servicing rights on residential mortgage loans sold in the secondary market. Loans transferred to “held-for-sale” with the intention of disposal through a bulk loan sale will be sold with servicing released. Since quoted market prices are not typically available, the fair value of retained interests is estimated through the services of a third-party service provider to determine the net present value of expected future cash flows. Such models incorporate management’s best estimates of key variables, such as prepayment speeds and discount rates that would be used by market participants and are appropriate for the risks involved. Gains and losses incurred on loans sold to third-party investors are included in Mortgage Banking Income in the Consolidated Statements of Income.
Revenue from Contracts with Customers (Topic 606)	Revenue from Contracts with Customers (Topic 606) The majority of our revenue is derived primarily from interest income from receivables (loans) and securities. Other revenues are derived from fees received in connection with deposit accounts, mortgage banking activities including gains from the sale of loans and loan origination fees, correspondent banking activities including revenue from the sale of fixed income securities and fees from hedging services, and trust and investment advisory services. We recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. We report network costs associated with debit card and ATM transactions netted against the related fees from such transactions. For years 2022, 2021 and 2020, gross interchange and debit card transaction fees totaled million, respectively. On a net basis, the Company reported 31, 2022, 2021, and 2020. The Company maintains contracts to provide services, primarily for investment advisory and/or custody of assets. Through the Company’s wholly owned subsidiaries, the Bank, and SouthState Advisory, Inc., the Company contracts with its customers to perform IRA, Trust, and/or Custody and Agency advisory services. 31, 2022, 2021 and 2020. The Bank contracts with its customers to perform deposit account services. Total revenue recognized from these contracts with customers is 31, 2022, 2021 and 2020. Due to the nature of our relationship with the customers that we provide services, we do not incur costs to obtain contracts and there are no material incremental costs to fulfill these contracts that should be capitalized. Disaggregation of Revenue - The Company has disaggregated revenue according to the timing of the transfer of service. Total revenue derived from contracts in which services are transferred at a point in time was 31, 2022, 2021 and 2020. Total revenue derived from contracts in which services are transferred over time was 31, 2022, 2021 and 2020. Revenue is recognized as the services are provided to the customers. Economic factors impacting the customers could affect the nature, amount, and timing of these cash flows, as unfavorable economic conditions could impair the customers’ ability to provide payment for services. This risk is mitigated as we generally deduct payments from customers’ accounts as services are rendered. Contract Balances - The timing of revenue recognition, billings, and cash collections results in billed accounts receivable on our balance sheet. Most contracts call for payment by a charge or deduction to the respective customer account but there are some that require a receipt of payment from the customer. For fee per transaction contracts, the customers are billed as the transactions are processed. For hourly rate and monthly service contracts related to trust and some investment revenues, the customers are billed monthly (generally as a percentage basis point of the market value of the investment account). In some cases, specific to SouthState Advisory, Inc., customers are billed in advance for quarterly services to be performed based on the past quarter’s average account balance. These do create contract liabilities or deferred revenue, as the customers pay in advance for service. Neither the contract liabilities nor the accounts receivables balances are material to the Company’s Consolidated Balance Sheets. Performance Obligations - A performance obligation is a promise in a contract to transfer a distinct good or service to the customer, and is the unit of account for revenue recognition. A contract’s transaction price is allocated to each distinct performance obligation and recognized as revenue when, or as, the performance obligation is satisfied. The performance obligations for these contracts are satisfied as the service is provided to the customer (either over time or at a point in time). The payment terms of the contracts are typically based on a basis point percentage of the investment account market value, fee per hour of service, or fee for service incurred. There are no significant financing components in the contracts. Excluding deposit services revenues, which are mostly billed at a point in time as a fee for services incurred, all other contracts contain variable consideration in that fees earned are derived from market values of accounts or from hours worked for services performed which determines the amount of consideration to which we are entitled. The variability is resolved when the hours are incurred or services are provided. The contracts do not include obligations for returns, refunds, or warranties. The contracts are specific to the amounts owed to the Company for services performed during a period should the contracts be terminated. Significant Judgments - Revenue is recognized as services are billed to the customers. Variable consideration does exist for contracts related to our trust and investment services as revenues are based on market values and services performed. The Company has adopted the right-to-invoice practical expedient for trust management contracts through SouthState Bank, which we contract with our customers to perform IRA, Trust, and/or Custody services.
Advertising Costs	Advertising Costs The Company expenses advertising costs as they are incurred and advertising communication costs the first time the advertising takes place. The Company may establish accruals for anticipated advertising expenses within the course of a fiscal year.
Comprehensive (Loss) Income	Comprehensive (Loss) Income Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, such as (1) unrealized gains and losses on available for sale securities (2) unrealized gains and losses on effective portions of derivative financial instruments accounted for as cash flow hedges and (3) net change in unrecognized amounts related to pension and post- retirement benefits, are reported as a separate component of the equity section of the Consolidated Balance Sheets. Such items, along with net income, are components of total comprehensive (loss) income (see Consolidated Statements of Comprehensive (Loss) Income on page F-7).
Employee Benefit Plans	Employee Benefit Plans The Company’s post retirement plans are accounted for in accordance with FASB ASC 715, Compensation—Retirement Benefits , which requires the Company to recognize the funded status in its statement of financial position. See Note 18 — retirement benefit plans. The expected costs of the post retirement benefit plans are expensed over the period that employees provide service. The Employee Stock Purchase Plan (“ESPP”) allows for a look- back option which establishes the purchase price as an amount based on the lesser of the stock’s market price at the grant date or its market price at the exercise (or purchase) date. For the shares issued in exchange for employee services under the plan, the Company accounts for the plan under the FASB ASC 718, Compensation—Stock Compensation , in which the fair value measurement method is used to estimate the fair value of the equity instruments, based on the share price and other measurement assumptions at the grant date. See Note 19 —
Income Taxes	Income Taxes Income taxes are provided for the tax effects of the transactions reported in the accompanying consolidated financial statements and consist of taxes currently due plus deferred taxes related primarily to differences between the tax basis and financial statement basis of gains on acquisitions, loans, available for sale securities, allowance for credit losses, write downs of OREO properties, bank properties held for sale, accumulated depreciation, net operating loss carryforwards, accretion income, deferred compensation, intangible assets, mortgage servicing rights, and pension plan and post-retirement benefits. The deferred tax assets and liabilities represent the future tax return consequences of those differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled. Deferred tax assets and liabilities are reflected at income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through the Provision for Income Taxes in the Consolidated Statements of Income. The Company recognizes interest and penalties accrued relative to unrecognized tax benefits in its respective federal or state income tax accounts. As of December 31, 2022 and 2021, there were no material accruals for uncertain tax positions. The Company and its subsidiaries file a consolidated federal income tax return. Additionally, income tax returns are filed by the Company or its subsidiaries in the state of Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Minnesota, Mississippi, Missouri, New Jersey, New York, North Carolina, South Carolina, Tennessee, Texas, Virginia, and in the city of New York City. Generally, the Company’s federal and state income tax returns are no longer subject to examination by taxing authorities for years prior to 2019.
Earnings Per Share	Earnings Per Share Basic earnings per share (“EPS”) represents income available to common shareholders divided by the weighted- average number of shares outstanding during the year. Diluted earnings per share reflects additional shares that would have been outstanding if dilutive potential shares had been issued. Potential shares that may be issued by the Company relate solely to outstanding stock options, restricted stock and restricted stock units (non- vested shares and vested shares subject to a holding period), and are determined using the treasury stock method. Under the treasury stock method, the number of incremental shares is determined by assuming the issuance of stock for the outstanding stock options, reduced by the number of shares assumed to be repurchased from the issuance proceeds, using the average market price for the year of the Company’s stock. Weighted-average shares for the basic and diluted EPS calculations have been reduced by the average number of unvested restricted shares.
Derivative Financial Instruments	Derivative Financial Instruments The Company’s interest rate risk management strategy incorporates the use of derivative financial instruments. Historically, the Company has used interest rate swaps to essentially convert a portion of its variable- rate debt to a fixed rate. Cash flows related to variable- rate debt will fluctuate with changes in an underlying rate index. When effectively hedged, the increases or decreases in cash flows related to the variable- rate debt will generally be offset by changes in cash flows of the derivative instrument designated as a hedge. This strategy is referred to as a cash flow hedge. For derivatives designated as hedging exposure to variable cash flows of a forecasted transaction (cash flow hedge), the derivative’s entire unrealized gain or loss is initially reported as a component of other comprehensive income and subsequently reclassified into earnings when the forecasted transaction affects earnings or when the hedged instrument and related swap are terminated before maturity. For derivatives that are not designated as hedging instruments, changes in the fair value of the derivatives are recognized in earnings immediately. The Company did not use cash flow hedges for the years ended December 31, 2022 or December 31, 2021. The Company maintains loan swaps which are accounted for as a fair value hedge. This derivative protects the Company from interest rate risk caused by changes in the LIBOR curve in relation to a certain designated fixed rate loan. Fair value hedges convert the fixed rate to a floating rate (see Note 28—Derivative Financial Instruments). For discussion related to Reference Rate Reform, please refer to the caption “Issued But Not Yet Adopted Accounting Standards” within this Note 1—Summary of Significant Accounting Policies. The Company’s risk management strategy for its mortgage banking activities incorporates derivative instruments used to economically hedge both the value of the mortgage servicing rights and the mortgage pipeline. These derivative instruments are not designated as hedges and are not speculative in nature. The derivative instruments that are used to hedge the value of the mortgage servicing rights include financial forwards, futures contracts, and options written and purchased. When- issued securities and mandatory cash forward trades are typically used to hedge the mortgage pipeline. These instruments derive their cash flows, and therefore their values, by reference to an underlying instrument, index or referenced interest rate. The Company’s risk management strategy also incorporates the use of interest rate swap contracts that help in managing interest rate risk within the loan portfolio and foreign currency exchange. These derivatives are not designated as hedges and are not speculative, and result from a service the Company provides to certain customers. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously economically hedged by offsetting interest rate swaps that the Company executes with a third-party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings (See Note 28—Derivative Financial Instruments). During 2022, the Company determined the variation margin payments for its interest rate swaps centrally cleared through London Clearing House (“LCH”) and Chicago Mercantile Exchange (“CME”) meet the legal characteristics of daily settlements of the derivatives (settle-to-market) rather than collateral (collateralize-to-market). As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting and financial reporting purposes. Depending on the net position, the fair value of the single unit of account is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets, as opposed to interest-earning deposits (restricted cash) within Cash and Cash Equivalents or interest-bearing deposits within Total Deposits. In addition, the expense or income attributable to the variation margin payments for the centrally cleared swaps is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income, as opposed to Interest Income or Interest Expense. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. Refer to the section titled “Reclassification and Correction” within this Note 1—Summary of Significant Accounting Policies for more information. By using derivative instruments, the Company is exposed to credit and market risk. If the counterparty fails to perform, credit risk is equal to the fair value gain in a derivative. When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay the Company, and, therefore, creates a repayment risk for the Company. When the fair value of a derivative contract is negative, the Company is obligated to pay the counterparty and, therefore, has no repayment risk. The Company minimizes the credit risk in derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by the Company. The Company’s derivative activities are monitored by its Asset- Liability Management Committee as part of that committee’s oversight of the Company’s asset/liability and treasury functions. The Company’s Asset- Liability Management Committee is responsible for implementing various hedging strategies that are developed through its analysis of data from financial simulation models and other internal and industry sources. The resulting hedging strategies are then incorporated into the overall interest-rate risk management process. The Company recognizes the fair value of derivatives as assets or liabilities in the financial statements. The accounting for the changes in the fair value of a derivative depends on the intended use of the derivative instrument at inception. The change in fair value of the effective portion of cash flow hedges is accounted for in Other Comprehensive Income rather than Net Income. Changes in fair value of derivative instruments that are not intended as a hedge are accounted for in Net Income in the period of the change (see Note 28—Derivative Financial Instruments for further disclosure).
Reclassification and Correction	Reclassification and Correction Certain amounts previously reported have been reclassified to conform to the current year’s presentation. Such reclassifications had no effect on net income and shareholders’ equity. As previously noted, the variation margin payment and the related derivative instruments centrally cleared through LCH and CME are considered a single unit of account for accounting and financial reporting purposes (see Note 1— Summary of Significant Accounting Policies, section titled “Derivative Financial Instruments”). Depending on the net position, the fair value is reported in Derivative Assets or Derivative Liabilities on the Consolidated Balance Sheets, as opposed to interest-earning deposits (restricted cash) within Cash and Cash Equivalent or interest-bearing deposits within Total Deposits. In addition, the expense or income attributable to the variation margin payments for the centrally cleared swaps is reported in Noninterest Income, specifically within Correspondent and Capital Markets Income, as opposed to Interest Income or Interest Expense. The daily settlement of the derivative exposure does not change or reset the contractual terms of the instrument. As a result of the correction from collateralize-to-market accounting treatment previously applied by the Company to settle-to-market accounting treatment, all prior periods presented herein have been corrected, for what management has concluded to be an immaterial correction. The tables below disclose the net change (increase or (decrease)) included in all the Consolidated Balance Sheets and Consolidated Statements of Income line items, as well as capital ratios in the Consolidated Financial Statements in this Form 10-K, as a result of the change in accounting treatment. There was no impact to Net Income or Shareholders’ Equity as previously reported. (Dollars in thousands) December 31, BALANCE SHEET 2021 Assets: Effect to deposits in other financial institutions (restricted cash) $ (121,576) Net effect to total assets $ (121,576) Liabilities: Effect to derivative liabilities $ (121,576) Net effect to total liabilities $ (121,576) Shareholders’ equity Effect to shareholders' equity $ — $ — (Dollars in thousands) Year Ended December 31, INCOME STATEMENT 2021 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ (43) Net effect to interest income $ (43) Net effect to net interest income $ (43) Noninterest Income: Effect to correspondent banking and capital market income $ 43 Net effect to noninterest income $ 43 Net effect to net income $ — As of December 31, 2021 % Effect Effect to Tier 1 leverage ratio Consolidated 0.03 % Bank 0.03 % Effect to CET 1 risk-based capital ratio Consolidated 0.01 % Bank 0.01 % Effect to Tier 1 risk-based capital ratio Consolidated 0.01 % Bank 0.01 % Effect to Total risk-based capital ratio Consolidated 0.01 % Bank 0.01 %
Subsequent Events	Subsequent Events The Company has evaluated subsequent events for accounting and disclosure purposes through the date the financial statements are issued. See Note 31—Subsequent Events for further information.
Recent Accounting and Regulatory Pronouncements	Recent Accounting and Regulatory Pronouncements Issued But Not Yet Adopted Accounting Standards In March 2022, FASB issued ASU No. 2020-04, Financial Instruments – Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures . The amendments in this ASU eliminate the long-standing accounting guidance for TDRs by creditors in Subtopic 310-40, Receivables – Troubled Debt Restructurings by Creditors , as it is no longer meaningful due to the introduction of Topic 326, which requires an entity to consider lifetime expected credit losses on loans when establishing an allowance for credit losses. Thus, most losses that would have been realized for a TDR under Subtopic 310-40 are now captured by the accounting required under Topic 326. The amendments in this ASU also require that an entity disclose current-period gross write offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments – Credit Losses Measured at Amortized Cost . The amendments are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. The Company adopted ASU No. 2020-04 effective January 1, 2023, and aside from the changes to the disclosures required by this ASU, the ASU is will not have a material impact on our consolidated financial statements. In March 2020, FASB issued ASU No. 2020-04, Reference Rate Reform (Topic 848 – Facilitation of the Effects of Reference Rate Reform on Financial Reporting and subsequently expanded the scope of ASU No. 2020-04 with the issuance of ASU No. 2021-01 and extended the sunset date to December 31, 2024 with ASU No. 2022-06 . This update provides companies with optional guidance to ease the potential accounting burden associated with transitioning away from reference rates that will be discontinued. The amendments in this update provide optional expedients and exceptions for applying GAAP to contracts, hedging relationships, and other transactions affected by reference rate reform if certain criteria are met. The main provisions for contract modifications include optional relief by allowing the modification as a continuation of the existing contract without additional analysis and other optional expedients regarding embedded features. The amendments in this update apply only to contracts, hedging relationships, and other transactions that reference LIBOR or another reference rate that will be discontinued because of reference rate reform. The amendments in this update were effective for all entities as of March 12, 2020 and may be applied through December 31, 2022. An entity may elect to apply the amendments in this update to eligible hedging relationships existing as of the beginning of the interim period that includes March 12, 2020 and to new eligible hedging relationships entered into after the beginning of the interim period that includes March 12, 2020. An entity may elect to apply the amendments for contract modifications as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or prospectively from a date within an interim period that includes or is subsequent to March 12, 2020, up to the date that the financial statements are available to be issued. Once elected, the amendments in this update must be applied prospectively for all eligible contract modifications and hedging relationships. The Company has established a LIBOR Committee and various subcommittees, which have evaluated the impact of adopting and implementing ASU 2020-04 on the consolidated financial statements, including the evaluation of all of the Company’s contracts, hedging relationships and other transactions that will be affected by reference rates that are being discontinued. The cross-functional LIBOR Committee and subcommittees have (1) assessed the Company's current exposure to LIBOR indexed instruments and the data, systems and processes that will be impacted; (2) established a detailed implementation plan; and (3) developed a formal governance structure for the transition. The Company is in the process of developing and implementing various proactive steps to facilitate the transition on behalf of customers, which include the adoption and ongoing implementation of fallback provisions that provide for the determination of replacement rates for LIBOR-linked financial products; the adoption of new products linked to alternative reference rates, such as adjustable-rate mortgages, consistent with guidance provided by the U.S. regulators, the Alternative Reference Rates Committee, and government sponsored entities; the cessation of quoting LIBOR and originating new products linked to LIBOR by December 31, 2021; and the selection of SOFR indices as the replacement indices, and successful completion of systems testing using the SOFR replacement indices. As a result of the implementation plan, the Company discontinued quoting LIBOR on September 30, 2021 and discontinued originating new products linked to LIBOR on December 31, 2021. The Company continues to evaluate its financial and operational infrastructure in its effort to transition all financial and strategic processes, systems, and models to reference rates other than LIBOR. The Company is in the process of developing and implementing processes to educate all client-facing associates and coordinate communications with customers regarding the transition. ASU 2020-04 provides optional expedients and exceptions for applying generally accepted accounting principles to contract modifications and hedging relationships, subject to meeting certain criteria, that reference LIBOR. It is intended to help stakeholders during the global market-wide reference rate transition period. In January 2021, the FASB issued ASU 2021-01 which clarifies that certain optional expedients and exceptions in Topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. ASU 2022-06 extended the effective date through December 31, 2024. The Company expects to utilize the LIBOR transition relief allowed under ASU 2020-04, ASU 2021-01, and ASU 2022-06 as applicable, and does not expect such adoption to have a material impact on its accounting and disclosures.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
Summary of Significant Accounting Policies (Tables)	Dec. 31, 2022
Recent Accounting and Regulatory Pronouncements
Summary of reclassification and correction	(Dollars in thousands) December 31, BALANCE SHEET 2021 Assets: Effect to deposits in other financial institutions (restricted cash) $ (121,576) Net effect to total assets $ (121,576) Liabilities: Effect to derivative liabilities $ (121,576) Net effect to total liabilities $ (121,576) Shareholders’ equity Effect to shareholders' equity $ — $ — (Dollars in thousands) Year Ended December 31, INCOME STATEMENT 2021 Interest income: Effect to interest income on federal funds sold and interest-earning deposits with banks $ (43) Net effect to interest income $ (43) Net effect to net interest income $ (43) Noninterest Income: Effect to correspondent banking and capital market income $ 43 Net effect to noninterest income $ 43 Net effect to net income $ — As of December 31, 2021 % Effect Effect to Tier 1 leverage ratio Consolidated 0.03 % Bank 0.03 % Effect to CET 1 risk-based capital ratio Consolidated 0.01 % Bank 0.01 % Effect to Tier 1 risk-based capital ratio Consolidated 0.01 % Bank 0.01 % Effect to Total risk-based capital ratio Consolidated 0.01 % Bank 0.01 %

Mergers and Acquisitions (Table

Mergers and Acquisitions (Tables) - Atlantic Capital	12 Months Ended
Mergers and Acquisitions (Tables) - Atlantic Capital	Dec. 31, 2022
Mergers and Acquisitions
Schedule of assets acquired, liabilities assumed, and fair value of total consideration transferred	Initial Subsequent As Recorded Fair Value Fair Value As Recorded by (Dollars in thousands) by Atlantic Capital Adjustments Adjustments the Company Assets Cash and cash equivalents $ 250,134 $ 24 (a) $ — $ 250,158 Investment securities 717,332 (13,622) (b) — 703,710 Loans, net of allowance and mark 2,394,256 (18,964) (c) (5,614) (c) 2,369,678 Premises and equipment 16,892 2,608 (d) — 19,500 Intangible assets 22,572 (1,781) (e) — 20,791 Bank owned life insurance 74,613 — — 74,613 Deferred tax asset 30,231 2,273 (f) (1,025) (f) 31,479 Other assets 45,274 (1,277) (g) 7,557 (g) 51,554 Total assets $ 3,551,304 $ (30,739) $ 918 $ 3,521,483 Liabilities Deposits: Noninterest-bearing $ 1,411,671 $ — $ — $ 1,411,671 Interest-bearing 1,616,970 — — 1,616,970 Total deposits 3,028,641 — — 3,028,641 Federal funds purchased and securities sold under agreements to repurchase 50,000 — — 50,000 Other borrowings 74,131 4,286 (h) — 78,417 Other liabilities 50,711 (2,075) (i) — 48,636 Total liabilities 3,203,483 2,211 — 3,205,694 Net identifiable assets acquired over (under) liabilities assumed 347,821 (32,950) 918 315,789 Goodwill — 342,939 (918) 342,021 Net assets acquired over liabilities assumed $ 347,821 $ 309,989 $ — $ 657,810 Consideration: SouthState Corporation common shares issued 7,330,803 Purchase price per share of the Company's common stock $ 90.00 Company common stock issued ($659,772) and cash exchanged for fractional shares ($19) $ 659,791 Stock option conversion 1,135 Restricted stock unit conversion 2,870 Restricted stock awards conversion (unvested awards) (5,986) Fair value of total consideration transferred $ 657,810 Explanation of fair value adjustments (a)— Represents an adjustment to record time deposits with financial institutions at fair value (premium). (b)— Represents the reversal of Atlantic Capital 's existing fair value adjustments of $17.2 million and the adjustment to record securities at fair value (discount) totaling $30.9 million (includes reclassification of all securities held as HTM to AFS totaling $237.6 million). (c)— Represents approximately 1.40%, or $34.0 million, net credit discount of the loan portfolio and 2.24% total net discount, or $54.3 million, including non-credit discount, based on a third-party valuation. Also, includes a reversal of Atlantic Capital's ending allowance for credit losses of $22.1 million and $7.6 million of existing Atlantic Capital’s deferred fees and costs. (d)— Represents the preliminary fair value adjustments of $2.6 million on fixed assets and leased assets. (e)— Represents approximately $17.5 million, or 0.63%, of CDI amount and $3.2 million for SBA servicing asset based on a third-party valuation. Atlantic Capital’s pre-merger goodwill and servicing asset of $19.9 million and $2.6 million, respectively, were written-off. (f)— Represents deferred tax asset related to fair value adjustments with effective tax rate of 23.9%, which includes an adjustment from Atlantic Capital’s effective tax rate to the Company’s effective tax rate. The difference in effective tax rates relates to state income taxes. (g)— Represents the fair value adjustment (decrease) for low-income housing investments of $1.1 million, write-off of prepaid assets of $233,000, adjustments to receivables of $154,000 and fair value adjustment for Small Business Investment Company (“SBIC”) investments of $7.4 million. (h)— Represents the reversal of the existing Atlantic Capital’s issuance costs on subordinated debt of $0.9 million and recording the fair value adjustment (premium) of $3.4 million, based on a third-party valuation. (i)— Represents the reversal of $2.8 million of unfunded commitment liability at purchase date and the fair value adjustment to increase lease liabilities associated with rental facilities totaling $1.4 million. Also includes the reversal of uncertain tax liability of $0.7 million.
Schedule of proforma information	Pro Forma Pro Forma Year Ended Year Ended (Dollars in thousands) December 31, 2022 December 31, 2021 Total revenues (net interest income plus noninterest income) $ 1,660,034 $ 1,523,299 Net interest income $ 1,347,258 $ 1,152,738 Net adjusted income available to the common shareholder $ 526,776 $ 523,360 EPS – basic $ 6.96 $ 6.73 EPS – diluted $ 6.90 $ 6.69

Securities (Tables)

Securities (Tables)	12 Months Ended
Securities (Tables)	Dec. 31, 2022
Securities
Schedule of amortized cost and fair value of investment securities held to maturity	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2022: U.S. Government agencies $ 197,262 $ — $ (29,787) $ 167,475 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,591,646 — (255,093) 1,336,553 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 474,660 — (69,664) 404,996 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 362,586 — (66,304) 296,282 Small Business Administration loan-backed securities 57,087 — (12,225) 44,862 $ 2,683,241 $ — $ (433,073) $ 2,250,168 December 31, 2021: U.S. Government agencies $ 112,913 $ — $ (2,627) $ 110,286 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,120,104 14 (24,278) 1,095,840 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 174,178 — (4,937) 169,241 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 350,116 304 (8,021) 342,399 Small Business Administration loan-backed securities 62,590 — (2,292) 60,298 $ 1,819,901 $ 318 $ (42,155) $ 1,778,064
Schedule of amortized cost and fair value of investment securities available for sale	Gross Gross Amortized Unrealized Unrealized Fair (Dollars in thousands) Cost Gains Losses Value December 31, 2022: U.S. Treasuries $ 272,416 $ — $ (6,778) $ 265,638 U.S. Government agencies 245,972 — (26,884) 219,088 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,996,405 — (298,052) 1,698,353 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 708,337 — (107,292) 601,045 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,196,700 2,542 (198,844) 1,000,398 State and municipal obligations 1,269,525 1,210 (205,883) 1,064,852 Small Business Administration loan-backed securities 491,203 302 (46,695) 444,810 Corporate securities 35,583 — (2,945) 32,638 $ 6,216,141 $ 4,054 $ (893,373) $ 5,326,822 December 31, 2021: U.S. Government agencies $ 98,882 $ — $ (1,765) $ 97,117 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,851,700 5,324 (25,985) 1,831,039 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 730,949 5,957 (10,911) 725,995 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,220,233 5,438 (18,430) 1,207,241 State and municipal obligations 798,211 16,697 (2,219) 812,689 Small Business Administration loan-backed securities 502,812 2,330 (4,479) 500,663 Corporate securities 18,509 234 (9) 18,734 $ 5,221,296 $ 35,980 $ (63,798) $ 5,193,478
Schedule of amortized cost and carrying value of other investment securities	Carrying (Dollars in thousands) Value December 31, 2022: Federal Home Loan Bank stock $ 15,085 Federal Reserve Bank stock 150,261 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 10,808 $ 179,717 December 31, 2021: Federal Home Loan Bank stock $ 16,283 Federal Reserve Bank stock 129,716 Investment in unconsolidated subsidiaries 3,563 Other nonmarketable investment securities 11,006 $ 160,568
Schedule of amortized cost and fair value of debt and equity securities by contractual maturity	Securities Securities Held to Maturity Available for Sale Amortized Fair Amortized Fair (Dollars in thousands) Cost Value Cost Value Due in one year or less $ — $ — $ 205,822 $ 201,700 Due after one year through five years 101,112 93,106 387,280 369,174 Due after five years through ten years 370,429 327,045 1,144,740 998,177 Due after ten years 2,211,700 1,830,017 4,478,299 3,757,771 $ 2,683,241 $ 2,250,168 $ 6,216,141 $ 5,326,822
Schedule of information with respect to sales of available-for-sale securities	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Securities Available for Sale: Sale proceeds $ 482,028 $ 151,314 $ 100,754 Gross realized gains 103 750 662 Gross realized losses (73) (648) (612) Net realized gain $ 30 $ 102 $ 50
Schedule of securities with gross unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less Than Twelve Months Twelve Months or More Gross Unrealized Fair Gross Unrealized Fair (Dollars in thousands) Losses Value Losses Value December 31, 2022: Securities Held to Maturity U.S. Government agencies $ 5,514 $ 78,833 $ 24,273 $ 88,642 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 65,181 513,086 189,912 823,467 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 30,284 277,868 39,380 127,128 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 14,318 82,895 51,986 213,387 Small Business Administration loan-backed securities — — 12,225 44,862 $ 115,297 $ 952,682 $ 317,776 $ 1,297,486 Securities Available for Sale U.S. Treasuries $ 6,778 $ 265,638 $ — $ — U.S. Government agencies 8,193 138,807 18,691 80,281 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 42,767 459,773 255,285 1,238,580 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 21,450 274,082 85,842 326,963 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,156 206,228 181,688 767,002 State and municipal obligations 97,084 616,631 108,799 391,848 Small Business Administration loan-backed securities 2,152 92,535 44,543 264,933 Corporate securities 2,209 28,374 736 4,264 $ 197,789 $ 2,082,068 $ 695,584 $ 3,073,871 December 31, 2021: Securities Held to Maturity U.S. Government agencies $ 1,745 $ 86,168 $ 882 $ 24,118 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 18,768 868,327 5,510 184,819 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 4,937 169,240 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,902 154,963 3,119 75,450 Small Business Administration loan-backed securities 1,281 37,408 1,011 22,890 $ 31,633 $ 1,316,106 $ 10,522 $ 307,277 Securities Available for Sale U.S. Government agencies $ 529 $ 73,353 $ 1,236 $ 23,763 Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 17,381 1,274,934 8,604 221,435 Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 10,911 432,300 — — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 13,120 846,581 5,310 98,106 State and municipal obligations 1,867 123,987 352 8,579 Small Business Administration loan-backed securities 2,720 179,168 1,759 110,309 Corporate securities 9 4,991 — — $ 46,537 $ 2,935,314 $ 17,261 $ 462,192
Schedule of trading securities	December 31, December 31, (Dollars in thousands) 2022 2021 U.S. Government agencies $ 11,190 $ 5,154 Residential mortgage pass-through securities issued or guaranteed by U.S. government agencies or sponsored enterprises — 6,853 Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises — 12,315 Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 4,589 29,667 State and municipal obligations 13,993 20,798 Other debt securities 1,491 2,902 $ 31,263 $ 77,689
Summary of net (losses) gains on trading securities	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Net (losses) gains on sales transaction $ (1,326) $ 1,326 $ 1,184 Net mark to mark losses (237) (273) (57) Net (losses) gains on trading securities $ (1,563) $ 1,053 $ 1,127

Loans (Tables)

Loans (Tables)	12 Months Ended
Loans (Tables)	Dec. 31, 2022
Loans
Summary of loans	The following is a summary of total loans: December 31, (Dollars in thousands) 2022 2021 Loans: Construction and land development (1) $ 2,860,360 $ 2,029,216 Commercial non-owner occupied 8,072,959 6,735,699 Commercial owner occupied real estate 5,460,193 4,970,116 Consumer owner occupied (2) 5,162,042 3,638,364 Home equity loans 1,313,168 1,168,594 Commercial and industrial 5,313,483 3,761,133 Other income producing property 696,242 696,804 Consumer 1,278,426 904,657 Other loans 20,989 23,583 Total loans 30,177,862 23,928,166 Less allowance for credit losses (356,444) (301,807) Loans, net $ 29,821,418 $ 23,626,359 (1) Construction and land development includes loans for both commercial construction and development, as well as loans for 1-4 family construction and lot loans. (2) Consumer owner occupied real estate includes loans on both 1-4 family owner occupied property, as well as loans collateralized by 1-4 family owner occupied properties with a business intent.
Schedule of purchased loans through acquisition	(Dollars in thousands) March 1, 2022 Book value of acquired loans at acquisition $ 137,874 Allowance for credit losses at acquisition (13,758) Non-credit discount at acquisition (5,943) Carrying value or book value of acquired loans at acquisition $ 118,173
Schedule of credit risk profile by risk grade of loans	The following table presents the credit risk profile by risk grade of commercial loans by origination year: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Construction and land development Risk rating: Pass $ 875,751 $ 742,985 $ 134,996 $ 63,439 $ 14,521 $ 29,442 $ 65,656 $ 1,926,790 Special mention 1,643 988 268 76 7,219 2,068 — 12,262 Substandard 214 10,409 11 2,326 — 4,282 — 17,242 Doubtful — — — — — 6 — 6 Total Construction and land development $ 877,608 $ 754,382 $ 135,275 $ 65,841 $ 21,740 $ 35,798 $ 65,656 $ 1,956,300 Commercial non-owner occupied Risk rating: Pass $ 2,245,943 $ 1,849,079 $ 816,791 $ 959,707 $ 506,350 $ 1,417,397 $ 108,759 $ 7,904,026 Special mention 7,579 4,225 936 11,036 24,067 32,110 5,000 84,953 Substandard 13,256 25,557 609 9,383 6,472 26,366 2,257 83,900 Doubtful — 1 — 79 — — — 80 Total Commercial non-owner occupied $ 2,266,778 $ 1,878,862 $ 818,336 $ 980,205 $ 536,889 $ 1,475,873 $ 116,016 $ 8,072,959 Commercial Owner Occupied Risk rating: Pass $ 1,046,562 $ 1,136,289 $ 725,040 $ 709,669 $ 446,497 $ 1,080,522 $ 75,506 $ 5,220,085 Special mention 3,620 25,263 3,383 7,934 7,160 34,724 1,294 83,378 Substandard 12,861 34,210 19,962 16,502 9,487 62,808 895 156,725 Doubtful — — 1 — — 4 — 5 Total commercial owner occupied $ 1,063,043 $ 1,195,762 $ 748,386 $ 734,105 $ 463,144 $ 1,178,058 $ 77,695 $ 5,460,193 Commercial and industrial Risk rating: Pass $ 1,566,203 $ 895,368 $ 506,655 $ 274,446 $ 212,522 $ 333,286 $ 1,386,678 $ 5,175,158 Special mention 5,885 3,782 3,401 1,859 3,378 1,316 24,347 43,968 Substandard 6,308 27,974 4,770 6,591 6,783 8,476 32,876 93,778 Doubtful — — — — 155 422 2 579 Total commercial and industrial $ 1,578,396 $ 927,124 $ 514,826 $ 282,896 $ 222,838 $ 343,500 $ 1,443,903 $ 5,313,483 Other income producing property Risk rating: Pass $ 149,793 $ 92,887 $ 60,473 $ 46,189 $ 47,155 $ 107,436 $ 46,179 $ 550,112 Special mention 952 957 1,257 378 190 3,652 2,328 9,714 Substandard 876 359 1,281 300 214 11,214 1,065 15,309 Doubtful 401 — — — — 136 — 537 Total other income producing property $ 152,022 $ 94,203 $ 63,011 $ 46,867 $ 47,559 $ 122,438 $ 49,572 $ 575,672 Consumer owner occupied Risk rating: Pass $ 5,947 $ 3,124 $ 1,811 $ 418 $ 68 $ 332 $ 15,910 $ 27,610 Special mention 537 20 136 284 — — 66 1,043 Substandard 13 95 12 1,614 — 202 151 2,087 Doubtful — — — — 1 — — 1 Total Consumer owner occupied $ 6,497 $ 3,239 $ 1,959 $ 2,316 $ 69 $ 534 $ 16,127 $ 30,741 Other loans Risk rating: Pass $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 20,989 $ — $ — $ — $ — $ — $ — $ 20,989 Total Commercial Loans Risk rating: Pass $ 5,911,188 $ 4,719,732 $ 2,245,766 $ 2,053,868 $ 1,227,113 $ 2,968,415 $ 1,698,688 $ 20,824,770 Special mention 20,216 35,235 9,381 21,567 42,014 73,870 33,035 235,318 Substandard 33,528 98,604 26,645 36,716 22,956 113,348 37,244 369,041 Doubtful 401 1 1 79 156 568 2 1,208 Total Commercial Loans $ 5,965,333 $ 4,853,572 $ 2,281,793 $ 2,112,230 $ 1,292,239 $ 3,156,201 $ 1,768,969 $ 21,430,337 Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Construction and land development Risk rating: Pass $ 570,166 $ 360,488 $ 206,586 $ 38,866 $ 24,728 $ 49,321 $ 76,680 $ 1,326,835 Special mention 2,347 3,067 186 — 1,557 1,715 487 9,359 Substandard 960 210 2,304 326 543 2,209 — 6,552 Doubtful 1 — — — — 8 — 9 Total Construction and land development $ 573,474 $ 363,765 $ 209,076 $ 39,192 $ 26,828 $ 53,253 $ 77,167 $ 1,342,755 Commercial non-owner occupied Risk rating: Pass $ 1,812,512 $ 798,171 $ 1,061,021 $ 676,803 $ 494,618 $ 1,371,729 $ 102,763 $ 6,317,617 Special mention 16,683 12,985 14,138 36,875 25,729 110,109 — 216,519 Substandard 23,035 160 64,408 23,346 31,952 56,477 2,139 201,517 Doubtful — — — — — 46 — 46 Total Commercial non-owner occupied $ 1,852,230 $ 811,316 $ 1,139,567 $ 737,024 $ 552,299 $ 1,538,361 $ 104,902 $ 6,735,699 Commercial Owner Occupied Risk rating: Pass $ 1,182,722 $ 780,339 $ 801,162 $ 549,642 $ 428,163 $ 980,701 $ 69,739 $ 4,792,468 Special mention 9,152 4,257 7,331 10,860 22,792 49,083 115 103,590 Substandard 7,375 2,907 8,587 2,053 18,600 34,431 80 74,033 Doubtful — 1 — — — 24 — 25 Total commercial owner occupied $ 1,199,249 $ 787,504 $ 817,080 $ 562,555 $ 469,555 $ 1,064,239 $ 69,934 $ 4,970,116 Commercial and industrial Risk rating: Pass $ 1,198,849 $ 618,676 $ 360,551 $ 267,772 $ 178,538 $ 219,339 $ 860,134 $ 3,703,859 Special mention 2,759 1,519 2,434 1,268 3,224 3,871 3,281 18,356 Substandard 738 5,965 8,212 2,653 3,438 5,183 12,701 38,890 Doubtful — — 5 3 2 16 2 28 Total commercial and industrial $ 1,202,346 $ 626,160 $ 371,202 $ 271,696 $ 185,202 $ 228,409 $ 876,118 $ 3,761,133 Other income producing property Risk rating: Pass $ 105,533 $ 73,583 $ 67,173 $ 76,971 $ 56,343 $ 142,183 $ 56,190 $ 577,976 Special mention 1,580 1,851 1,063 232 1,381 13,526 424 20,057 Substandard 1,304 482 298 166 787 12,531 46 15,614 Doubtful — — — — — 6 — 6 Total other income producing property $ 108,417 $ 75,916 $ 68,534 $ 77,369 $ 58,511 $ 168,246 $ 56,660 $ 613,653 Consumer owner occupied Risk rating: Pass $ 3,513 $ 2,874 $ 1,099 $ 85 $ 139 $ 820 $ 16,977 $ 25,507 Special mention 1,219 180 2,430 81 — 3 — 3,913 Substandard — 16 238 — — 223 — 477 Doubtful — — — 1 — 145 — 146 Total Consumer owner occupied $ 4,732 $ 3,070 $ 3,767 $ 167 $ 139 $ 1,191 $ 16,977 $ 30,043 Other loans Risk rating: Pass $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Special mention — — — — — — — — Substandard — — — — — — — — Doubtful — — — — — — — — Total other loans $ 23,583 $ — $ — $ — $ — $ — $ — $ 23,583 Total Commercial Loans Risk rating: Pass $ 4,896,878 $ 2,634,131 $ 2,497,592 $ 1,610,139 $ 1,182,529 $ 2,764,093 $ 1,182,483 $ 16,767,845 Special mention 33,740 23,859 27,582 49,316 54,683 178,307 4,307 371,794 Substandard 33,412 9,740 84,047 28,544 55,320 111,054 14,966 337,083 Doubtful 1 1 5 4 2 245 2 260 Total Commercial Loans $ 4,964,031 $ 2,667,731 $ 2,609,226 $ 1,688,003 $ 1,292,534 $ 3,053,699 $ 1,201,758 $ 17,476,982 For the consumer segment, delinquency of a loan is determined by past due status. Consumer loans are automatically placed on nonaccrual status once the loan is 90 days past due. Construction and land development loans are on 1-4 properties and lots. The following table presents the credit risk profile by past due status of consumer loans by origination year: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,695,454 $ 1,467,080 $ 657,005 $ 315,458 $ 187,580 $ 792,572 $ — $ 5,115,149 30 days past due 1,316 1,254 1,681 664 272 2,028 — 7,215 60 days past due 255 337 579 — 242 1,650 — 3,063 90 days past due — 944 776 454 664 3,036 — 5,874 Total Consumer owner occupied $ 1,697,025 $ 1,469,615 $ 660,041 $ 316,576 $ 188,758 $ 799,286 $ — $ 5,131,301 Home equity loans Days past due: Current $ 5,921 $ 5,231 $ 3,282 $ 1,560 $ 1,955 $ 17,941 $ 1,272,848 $ 1,308,738 30 days past due — — 155 77 418 422 1,586 2,658 60 days past due — — 19 36 70 26 540 691 90 days past due — — 60 87 — 611 323 1,081 Total Home equity loans $ 5,921 $ 5,231 $ 3,516 $ 1,760 $ 2,443 $ 19,000 $ 1,275,297 $ 1,313,168 Consumer Days past due: Current $ 407,825 $ 206,003 $ 111,210 $ 86,008 $ 44,303 $ 141,053 $ 248,314 $ 1,244,716 30 days past due 718 194 78 174 63 1,255 17,471 19,953 60 days past due 55 103 107 36 144 557 9,836 10,838 90 days past due 126 60 58 66 165 1,660 784 2,919 Total consumer $ 408,724 $ 206,360 $ 111,453 $ 86,284 $ 44,675 $ 144,525 $ 276,405 $ 1,278,426 Construction and land development Days past due: Current $ 466,475 $ 351,485 $ 50,472 $ 14,053 $ 7,006 $ 13,588 $ 379 $ 903,458 30 days past due 2 — — 57 23 43 — 125 60 days past due — — — — — — — — 90 days past due — — 436 — — 41 — 477 Total Construction and land development $ 466,477 $ 351,485 $ 50,908 $ 14,110 $ 7,029 $ 13,672 $ 379 $ 904,060 Other income producing property Days past due: Current $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,680 $ 624 $ 120,364 30 days past due — — — — — 62 — 62 60 days past due — — — — — 23 — 23 90 days past due — — — — — 121 — 121 Total other income producing property $ 45,717 $ 21,421 $ 4,937 $ 2,663 $ 4,322 $ 40,886 $ 624 $ 120,570 Total Consumer Loans Days past due: Current $ 2,621,392 $ 2,051,220 $ 826,906 $ 419,742 $ 245,166 $ 1,005,834 $ 1,522,165 $ 8,692,425 30 days past due 2,036 1,448 1,914 972 776 3,810 19,057 30,013 60 days past due 310 440 705 72 456 2,256 10,376 14,615 90 days past due 126 1,004 1,330 607 829 5,469 1,107 10,472 Total Consumer Loans $ 2,623,864 $ 2,054,112 $ 830,855 $ 421,393 $ 247,227 $ 1,017,369 $ 1,552,705 $ 8,747,525 The following table presents total loans by origination year as of December 31, 2022: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Total Total Loans $ 8,589,197 $ 6,907,684 $ 3,112,648 $ 2,533,623 $ 1,539,466 $ 4,173,570 $ 3,321,674 $ 30,177,862 The following table presents the credit risk profile by past due status of consumer loans by origination year as of December 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Consumer owner occupied Days past due: Current $ 1,192,449 $ 710,828 $ 405,138 $ 246,487 $ 228,876 $ 810,605 $ 4 $ 3,594,387 30 days past due 354 666 234 472 1,068 2,230 — 5,024 60 days past due — 330 218 254 111 928 — 1,841 90 days past due 235 574 691 549 274 4,746 — 7,069 Total Consumer owner occupied $ 1,193,038 $ 712,398 $ 406,281 $ 247,762 $ 230,329 $ 818,509 $ 4 $ 3,608,321 Home equity loans Days past due: Current $ 7,128 $ 5,648 $ 4,745 $ 2,180 $ 993 $ 24,716 $ 1,116,621 $ 1,162,031 30 days past due 6 49 68 71 24 491 2,200 2,909 60 days past due — — — — — 603 339 942 90 days past due 75 65 172 180 22 1,548 650 2,712 Total Home equity loans $ 7,209 $ 5,762 $ 4,985 $ 2,431 $ 1,039 $ 27,358 $ 1,119,810 $ 1,168,594 Consumer Days past due: Current $ 298,779 $ 169,443 $ 127,757 $ 69,892 $ 36,304 $ 151,948 $ 44,864 $ 898,987 30 days past due 229 364 208 191 132 1,570 137 2,831 60 days past due 145 82 90 124 90 658 17 1,206 90 days past due 74 121 181 109 29 1,119 — 1,633 Total consumer $ 299,227 $ 170,010 $ 128,236 $ 70,316 $ 36,555 $ 155,295 $ 45,018 $ 904,657 Construction and land development Days past due: Current $ 411,728 $ 204,368 $ 33,965 $ 13,429 $ 8,484 $ 14,185 $ 162 $ 686,321 30 days past due — 24 — — — — — 24 60 days past due — — — — — 12 — 12 90 days past due — — — — — 104 — 104 Total Construction and land development $ 411,728 $ 204,392 $ 33,965 $ 13,429 $ 8,484 $ 14,301 $ 162 $ 686,461 Other income producing property Days past due: Current $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,575 $ 1,379 $ 82,891 30 days past due — — — — — 90 — 90 60 days past due — — — — — 156 — 156 90 days past due — — — — — 14 — 14 Total other income producing property $ 22,131 $ 5,620 $ 4,906 $ 4,977 $ 6,303 $ 37,835 $ 1,379 $ 83,151 Total Consumer Loans Days past due: Current $ 1,947,911 $ 1,095,907 $ 576,511 $ 336,965 $ 280,960 $ 1,039,029 $ 1,147,334 $ 6,424,617 30 days past due 589 1,103 510 734 1,224 4,381 2,337 10,878 60 days past due 145 412 308 378 201 2,357 356 4,157 90 days past due 384 760 1,044 838 325 7,531 650 11,532 Total Consumer Loans $ 1,949,029 $ 1,098,182 $ 578,373 $ 338,915 $ 282,710 $ 1,053,298 $ 1,150,677 $ 6,451,184 The following table presents total loans by origination year as of December 31, 2021: Term Loans (Dollars in thousands) Amortized Cost Basis by Origination Year As of December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Total Total Loans $ 6,913,060 $ 3,765,913 $ 3,187,599 $ 2,026,918 $ 1,575,244 $ 4,106,997 $ 2,352,435 $ 23,928,166
Aging analysis of past due loans (includes nonaccrual loans), segregated by class of loans	30 - 59 Days 60 - 89 Days 90+ Days Total Non- Total (Dollars in thousands) Past Due Past Due Past Due Past Due Current Accruing Loans December 31, 2022 Construction and land development $ 2,146 $ 3,653 $ — $ 5,799 $ 2,853,734 $ 827 $ 2,860,360 Commercial non-owner occupied 1,158 978 77 2,213 8,050,321 20,425 8,072,959 Commercial owner occupied 10,748 2,059 2,231 15,038 5,410,066 35,089 5,460,193 Consumer owner occupied 6,001 744 40 6,785 5,137,950 17,307 5,162,042 Home equity loans 2,527 361 — 2,888 1,303,964 6,316 1,313,168 Commercial and industrial 24,500 11,677 1,704 37,881 5,258,473 17,129 5,313,483 Other income producing property 1,623 1,480 298 3,401 690,107 2,734 696,242 Consumer 19,713 10,655 — 30,368 1,243,660 4,398 1,278,426 Other loans — — — — 20,989 — 20,989 $ 68,416 $ 31,607 $ 4,350 $ 104,373 $ 29,969,264 $ 104,225 $ 30,177,862 December 31, 2021 Construction and land development $ 1,176 $ 59 $ 43 $ 1,278 $ 2,026,371 $ 1,567 $ 2,029,216 Commercial non-owner occupied 3,591 2,110 96 5,797 6,709,993 19,909 6,735,699 Commercial owner occupied 2,756 1,732 626 5,114 4,950,470 14,532 4,970,116 Consumer owner occupied 4,046 533 — 4,579 3,615,602 18,183 3,638,364 Home equity loans 2,565 913 — 3,478 1,158,861 6,255 1,168,594 Commercial and industrial 50,451 26,639 3,991 81,081 3,672,611 7,441 3,761,133 Other income producing property 879 424 106 1,409 691,320 4,075 696,804 Consumer 2,672 840 1 3,513 897,688 3,456 904,657 Other loans — — — — 23,583 — 23,583 $ 68,136 $ 33,250 $ 4,863 $ 106,249 $ 23,746,499 $ 75,418 $ 23,928,166
Summary of information pertaining to nonaccrual loans by class	December 31, Greater than Non-accrual December 31, (Dollars in thousands) 2022 90 Days Accruing (1) with no allowance (1) 2021 Construction and land development $ 827 $ — $ 10 $ 1,567 Commercial non-owner occupied 20,425 77 6,976 19,909 Commercial owner occupied real estate 35,089 2,231 14,638 14,532 Consumer owner occupied 17,307 40 11 18,183 Home equity loans 6,316 — 1,568 6,255 Commercial and industrial 17,129 1,704 4,912 7,441 Other income producing property 2,734 298 — 4,075 Consumer 4,398 — — 3,456 Total loans on nonaccrual status $ 104,225 $ 4,350 $ 28,115 $ 75,418 (1) Greater than 90 days accruing and non-accrual with no allowance loans at December 31, 2022.
Summary of collateral dependent loans, by type of collateral	December 31, Collateral December 31, Collateral (Dollars in thousands) 2022 Coverage % 2021 Coverage % Commercial owner occupied real estate Church $ — $ — $ 1,953 $ 2,308 118% Other 14,638 38,900 266% 4,656 12,200 262% Commercial non-owner occupied real estate Hotel — — 1,822 4,100 225% Other 6,450 10,900 169% 6,949 9,630 139% Commercial and industrial Other 4,808 5,591 116% — — Home equity loans Residential 1-4 family dwelling 1,523 1,671 110% — — Total collateral dependent loans $ 27,419 $ 57,062 $ 15,380 $ 28,238
Schedule of restructured loans segregated by class and type of concession	Year Ended December 31, 2022 2021 Pre-Modification Post-Modification Pre-Modification Post-Modification Number Amortized Amortized Number Amortized Amortized (Dollars in thousands) of loans Cost Cost of loans Cost Cost Interest rate modification Commercial non-owner occupied 5 $ 3,643 $ 3,643 — $ — $ — Commercial owner occupied 5 3,937 3,937 1 276 276 Consumer owner occupied 1 95 95 — — — Commercial and industrial 4 305 305 1 33 33 Other income producing property 1 71 71 1 206 206 Total interest rate modifications 16 $ 8,051 $ 8,051 3 $ 515 $ 515 Term modification Construction and land development 1 $ 129 $ 129 — $ — $ — Commercial non-owner occupied 1 367 367 1 316 316 Commercial owner occupied 3 1,426 1,426 — — — Commercial and industrial 3 3,059 3,059 1 38 38 Total term modifications 8 $ 4,981 $ 4,981 2 $ 354 $ 354 24 $ 13,032 $ 13,032 5 $ 869 $ 869
Schedule of changes in status of loans restructured within the previous 12 months	Paying Under Restructured Terms Converted to Nonaccrual Foreclosures and Defaults Number Amortized Number Amortized Number Amortized (Dollars in thousands) of Loans Cost of Loans Cost of Loans Cost Interest rate modification 16 $ 8,051 — $ — — $ — Term modification 5 3,900 — — 3 1,081 21 $ 11,951 — $ — 3 $ 1,081

Allowance for Credit Losses (_2

Allowance for Credit Losses (ACL) (Tables)	12 Months Ended
Allowance for Credit Losses (ACL) (Tables)	Dec. 31, 2022
Allowance for Credit Losses (ACL)
Schedule of changes in allowance for loan losses	The following table presents a disaggregated analysis of activity in the allowance for credit losses as follows: Residential Residential Residential Other CRE Owner Non Owner (Dollars in thousands) Mortgage Sr. Mortgage Jr. HELOC Construction C&D Consumer Multifamily Municipal Occupied Occupied CRE C & I Total Year Ended December 31, 2022 Allowance for credit losses: Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Initial Allowance for PCD loans acquired during period 811 — — — 86 — — — 2,409 — 10,452 13,758 Initial Allowance for Non PCD loans acquired during period 352 26 132 2 1,887 51 426 — 2,519 2,697 5,605 13,697 Charge-offs (197) (19) (445) (21) (4) (10,214) — — (1,976) (368) (10,202) (23,446) Recoveries 1,233 231 3,981 8 1,104 2,426 — — 1,327 581 8,282 19,173 Net recoveries (charge offs) 1,036 212 3,536 (13) 1,100 (7,788) — — (649) 213 (1,920) (4,273) Provision (benefit) (1) 22,953 (444) (2,107) 3,988 4,744 7,355 (1,663) 284 (7,990) (4,074) 8,409 31,455 Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 72,751 $ 406 $ 12,616 $ 8,800 $ 44,748 $ 22,767 $ 3,545 $ 706 $ 48,740 $ 74,424 $ 43,935 $ 333,438 Individually evaluated 233 — 2,462 — 286 — — — 7,829 2,268 1,689 14,767 Total quantitative allowance 72,984 406 15,078 8,800 45,034 22,767 3,545 706 56,569 76,692 45,624 348,205 Qualitative allowance (796) (1) (192) 174 376 — 139 143 1,514 1,793 5,089 8,239 Balance at end of period December 31, 2022 $ 72,188 $ 405 $ 14,886 $ 8,974 $ 45,410 $ 22,767 $ 3,684 $ 849 $ 58,083 $ 78,485 $ 50,713 $ 356,444 Year Ended December 31, 2021 Allowance for credit losses: Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Charge-offs (204) — (1,002) (29) (87) (8,809) — — (2,052) (863) (3,853) (16,899) Recoveries 1,547 146 2,256 60 1,861 2,075 3 — 970 1,070 3,812 13,800 Net recoveries (charge offs) 1,343 146 1,254 31 1,774 (6,734) 3 — (1,082) 207 (41) (3,099) Provision (benefit) (1) (17,868) (773) (4,627) 52 (31,378) 3,321 (2,969) (945) (34,228) (44,979) (18,009) (152,403) Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 45,575 $ 611 $ 12,954 $ 4,989 $ 37,159 $ 21,887 $ 4,921 $ 565 $ 60,353 $ 77,494 $ 25,702 $ 292,210 Individually evaluated 150 — 91 — 434 — — — 590 196 1,003 2,464 Total quantitative allowance 45,725 611 13,045 4,989 37,593 21,887 4,921 565 60,943 77,690 26,705 294,674 Qualitative allowance 1,311 — 280 8 — 1,262 — — 851 1,959 1,462 7,133 Balance at end of period December 31, 2021 $ 47,036 $ 611 $ 13,325 $ 4,997 $ 37,593 $ 23,149 $ 4,921 $ 565 $ 61,794 $ 79,649 $ 28,167 $ 301,807 Year Ended December 31, 2020 Allowance for credit losses: Balance at beginning of period January 1, 2020 $ 6,128 $ 15 $ 4,327 $ 815 $ 6,211 $ 4,350 $ 1,557 $ 956 $ 10,879 $ 15,219 $ 6,470 $ 56,927 Impact of Adoption 5,455 11 3,849 779 5,588 3,490 1,391 914 9,505 13,898 6,150 51,030 Initial PCD Allowance 406 3 289 — 351 669 97 — 898 656 39 3,408 Adjusted CECL balance, January 1, 2020 $ 11,989 $ 29 $ 8,465 $ 1,594 $ 12,150 $ 8,509 $ 3,045 $ 1,870 $ 21,282 $ 29,773 $ 12,659 $ 111,365 Impact of merger on provision for non-PCD loans 16,712 226 4,227 4,893 7,673 3,836 1,212 919 25,393 35,067 9,284 109,442 Initial Allowance for PCD loans acquired during period 29,935 804 5,119 1,302 6,035 6,120 902 1,003 34,077 45,787 18,320 149,404 Charge-offs (528) (24) (1,053) (32) (347) (6,158) — — (1,205) (601) (4,654) (14,602) Recoveries 1,143 455 1,251 111 1,407 1,922 71 — 1,089 518 3,810 11,777 Net recoveries (charge offs) 615 431 198 79 1,060 (4,236) 71 — (116) (83) (844) (2,825) Provision (benefit) (1) 4,310 (252) (1,311) (2,954) 40,279 12,333 2,657 (2,282) 16,468 13,877 6,798 89,923 Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 Allowance for credit losses: Quantitative allowance Collectively evaluated $ 54,656 $ 1,238 $ 14,625 $ 4,733 $ 67,188 $ 18,435 $ 7,887 $ 685 $ 91,106 $ 116,571 $ 38,805 $ 415,929 Individually evaluated 82 — 77 — 9 120 — — 948 6 7 1,249 Total quantitative allowance 54,738 1,238 14,702 4,733 67,197 18,555 7,887 685 92,054 116,577 38,812 417,178 Qualitative allowance 8,823 — 1,996 181 — 8,007 — 825 5,050 7,844 7,405 40,131 Balance at end of period December 31, 2020 $ 63,561 $ 1,238 $ 16,698 $ 4,914 $ 67,197 $ 26,562 $ 7,887 $ 1,510 $ 97,104 $ 124,421 $ 46,217 $ 457,309 (1) Provision for credit losses of $36.7 million was recorded during 2022 compared to a negative provision (recovery) for credit losses of $12.9 million recorded during 2021 and a provision for credit losses of $43.4 million during 2020 for the release for unfunded commitments, which is not included in the table above.

Other Real Estate Owned and B_2

Other Real Estate Owned and Bank Premises Held for Sale (Tables)	12 Months Ended
	Dec. 31, 2022
Other Real Estate Owned and Bank Premises Held for Sale
Schedule of information pertaining to OREO and Bank Premises Held for Sale	(Dollars in thousands) OREO Bank Premises Held for Sale Total Balance, December 31, 2020 $ 11,914 $ 36,006 $ 47,920 Measurement period adjustment pertaining to CenterState acquisition — (1,226) (1,226) Additions, net 3,642 4,373 8,015 Writedowns (1,949) (118) (2,067) Sold (10,871) (29,457) (40,328) Balance, December 31, 2021 $ 2,736 $ 9,578 $ 12,314 Additions, net 1,972 21,003 22,975 Writedowns (114) (159) (273) Sold (3,571) (12,668) (16,239) Balance, December 31, 2022 $ 1,023 $ 17,754 $ 18,777

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2022
Premises and Equipment
Schedule of premises and equipment	December 31, (Dollars in thousands) Useful Life 2022 2021 Land $ 133,105 $ 145,276 Buildings and leasehold improvements 15 - 40 years 395,360 404,655 Equipment and furnishings 3 - 10 years 178,676 169,271 Lease right of use assets 107,979 110,311 Construction in process 4,145 14,518 Total 819,265 844,031 Less accumulated depreciation (298,630) (285,532) $ 520,635 $ 558,499

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
Goodwill and Other Intangible Assets (Tables)	Dec. 31, 2022
Goodwill and Other Intangible Assets
Summary of changes in the carrying amounts of goodwill	Year Ended December 31, (Dollars in thousands) 2022 2021 Balance at beginning of period $ 1,581,085 $ 1,563,942 Additions: Goodwill from Atlantic Capital acquisition 342,021 — Goodwill from SouthState\|Duncan-Williams acquisition — 15,816 Goodwill subsequent fair value adjustment from CenterState acquisition — 1,327 Balance at end of period $ 1,923,106 $ 1,581,085
Summary of gross carrying amounts and accumulated amortization of other intangible assets	December 31, (Dollars in thousands) 2022 2021 Gross carrying amount $ 278,971 $ 257,874 Accumulated amortization (162,521) (129,807) $ 116,450 $ 128,067
Schedule of estimated amortization expense of intangibles assets	(Dollars in thousands) Year ended December 31: 2023 $ 27,558 2024 22,395 2025 18,766 2026 15,232 2027 11,756 Thereafter 14,675 $ 110,382

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2022
Deposits
Schedule of total deposits	December 31, (Dollars in thousands) 2022 2021 Noninterest-bearing checking $ 13,168,656 $ 11,498,840 Interest-bearing checking 8,955,519 9,018,987 Savings 3,464,351 3,350,547 Money market 8,342,111 8,376,380 Time deposits 2,419,986 2,810,075 Total deposits $ 36,350,623 $ 35,054,829
Schedule of maturities of time deposits of all denominations	(Dollars in thousands) Year ended December 31: 2023 $ 1,778,372 2024 384,954 2025 159,744 2026 60,090 2027 33,870 Thereafter 2,956 $ 2,419,986

Federal Funds Purchased and S_2

Federal Funds Purchased and Securities Sold Under Agreements to Repurchase (Tables)	12 Months Ended
	Dec. 31, 2022
Federal funds purchased
Schedule of information concerning federal funds purchased and securities sold under agreements to repurchase	Federal Funds Purchased December 31, 2022 2021 2020 (Dollars in thousands) Amount Rate Amount Rate Amount Rate At period-end: Federal funds purchased $ 213,597 4.31% $ 381,195 0.08% $ 384,735 0.00% Average for the year: Federal funds purchased $ 278,251 1.35% $ 482,471 0.09% $ 222,742 0.17% Maximum month-end balance: Federal funds purchased $ 370,876 $ 508,248 $ 384,735
Securities sold under agreements to repurchase
Schedule of information concerning federal funds purchased and securities sold under agreements to repurchase	Securities Sold Under Repurchase Agreements December 31, 2022 2021 2020 (Dollars in thousands) Amount Rate Amount Rate Amount Rate At period-end: Securities sold under repurchase agreements $ 342,820 0.40% $ 400,044 0.16% $ 394,931 0.33% Average for the year: Securities sold under repurchase agreements $ 395,141 0.19% $ 395,498 0.20% $ 330,368 0.47% Maximum month-end balance: Securities sold under repurchase agreements $ 458,580 $ 435,302 $ 396,948

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
Other Borrowings (Tables)	Dec. 31, 2022
Other Borrowings.
Schedule of other borrowings	The Company’s other borrowings were as follows: 2022 2021 Weighted Weighted Interest Average Interest Average Rate at Average Interest Rate at Average Interest (Dollars in thousands) Maturity 12/31/2022 Balance Balance Rate 12/31/2021 Balance Balance Rate Short-term borrowings: FHLB Advances Various — % $ — — % $ — FRB Borrowings Various — % — — % — US Bank Line of Credit Daily — % — — % — Total short-term borrowings — % $ — $ 10,959 5.22 % — % $ — $ 1,986 2.22 % Long-term borrowings SCBT Capital Trust I junior subordinated debt (1) 6/15/2035 6.56 % $ 12,372 1.99 % $ 12,372 SCBT Capital Trust II junior subordinated debt (1) 6/15/2035 6.56 % 8,248 1.99 % 8,248 SCBT Capital Trust III junior subordinated debt (1) 7/18/2035 6.36 % 20,619 1.79 % 20,619 SAVB Capital Trust I junior subordinated debt (1) 10/7/2033 6.93 % 6,186 2.97 % 6,186 SAVB Capital Trust II junior subordinated debt (1) 12/15/2034 6.97 % 4,124 2.40 % 4,124 TSB Statutory Trust I junior subordinated debt (1) 3/14/2037 6.49 % 3,093 1.92 % 3,093 Southeastern Bank Financial Statutory Trust I junior subordinated debt (1) 12/15/2035 6.17 % 10,310 1.60 % 10,310 Southeastern Bank Financial Statutory Trust II junior subordinated debt (1) 6/15/2036 6.17 % 10,310 1.60 % 10,310 CSBC Statutory Trust I junior subordinated debt (1) 12/15/2035 6.34 % 15,464 1.77 % 15,464 Community Capital Statutory Trust I junior subordinated debt (1) 6/15/2036 6.32 % 10,310 1.75 % 10,310 FCRV Statutory Trust I junior subordinated debt (1) 12/15/2036 6.47 % 5,155 1.90 % 5,155 Provident Community Bancshares Capital Trust I junior subordinated debt (1) 3/1/2037 5.48 % 4,124 1.87 % 4,124 Provident Community Bancshares Capital Trust II junior subordinated debt (1) 10/1/2036 6.50 % 8,248 1.91 % 8,248 Fair Market Value Discount Trust Preferred Debt Acquired (1,162) (1,398) Total Junior Subordinated Debt 6.39 % 117,401 117,277 3.49 % 1.89 % 117,165 130,048 1.97 % Landmark Bancshares subordinated debt (2) 6/30/2027 — % — 6.50 % 13,000 CenterState Bank Corporation subordinated debt (3) 6/1/2030 5.75 % 200,000 5.75 % 200,000 Atlantic Capital Bancshares, Inc. subordinated debt (4) 9/1/2030 5.50 % 75,000 — % — Fair Market Value Premium subordinated debt acquired 2,604 — Long-term subordinated debt costs (2,730) (3,099) Total Subordinated Debt 5.68 % 274,874 268,877 5.70 % 5.80 % 209,901 222,765 5.81 % Total long-term borrowings 5.89 % $ 392,275 $ 386,154 5.03 % 4.40 % $ 327,066 $ 352,813 4.36 % Total borrowings 5.89 % $ 392,275 $ 397,113 5.03 % 4.40 % $ 327,066 $ 354,799 4.35 % (1) All of the junior subordinated debt above is adjustable rate based on three-month LIBOR plus a spread ranging from 140 basis points to 285 basis points. (2) The Notes bore interest at a fixed rate of 6.5% per year, to, but excluding, June 30, 2022. On June 30, 2022, the Notes were set to convert to a floating rate equal to three-month LIBOR plus 467 basis points. The Notes were redeemed by the Company on June 30, 2022. (3) The $200 million in Notes bear interest at a fixed rate of 5.75% per year, to, but excluding, June 1, 2025. On June 1, 2025, the Notes convert to a floating rate equal to SOFR plus 562 basis points. The Notes may be redeemed by the Company after June 1, 2025. The balance in the table above is net of debt issuance costs. (4) The Notes bear interest at a fixed rate of 5.50% per year, from, and including, August 20, 2020, to, but excluding, September 1, 2025. On September 1, 2025, the Notes convert to a floating rate equal to three-month LIBOR plus 536 basis points. The Notes may be redeemed by the Company on or after September 1, 2025. These notes were acquired in the ACBI acquisition on March 1, 2022 and are net of the fair value discount noted in the table above.
Summary of principal maturities of other borrowings, net of unamortized discount or debt issuance costs	Junior Subordinated Subordinated (Dollars in thousands) Debt Debt Total Year Ended December 31, 2023 $ — $ — $ — 2024 — — — 2025 — — — 2026 — — — 2027 — — — Thereafter 117,401 274,874 392,275 $ 117,401 $ 274,874 $ 392,275

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
Income Taxes (Tables)	Dec. 31, 2022
Income Taxes
Schedule of provision for income taxes	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Current: Federal $ 5,940 $ 43,959 $ 16,245 State 7,044 16,512 13,296 Total current tax expense 12,984 60,471 29,541 Deferred: Federal 103,875 61,521 (36,801) State 20,454 6,744 (9,400) Total deferred tax expense (benefit) 124,329 68,265 (46,201) Provision (benefit) for income taxes $ 137,313 $ 128,736 $ (16,660)
Analysis of difference between the provision for income taxes and taxes computed by applying the federal statutory income tax rate to income before provision for income taxes	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Income taxes at federal statutory rate $ 133,006 $ 126,899 $ 21,834 Increase (reduction) of taxes resulting from: State income taxes, net of federal tax benefit 21,491 18,372 3,077 Non-deductible merger expenses 415 — 1,344 Increase in cash surrender value of BOLI policies (5,105) (3,866) (2,389) Tax-exempt interest (7,828) (5,450) (2,257) Income tax credits (13,667) (11,759) (7,138) Non-deductible FDIC premiums 3,287 2,380 1,364 Non-deductible executive compensation 4,319 530 1,016 Benefit of tax loss carryback under CARES Act — — (31,468) Other, net 1,395 1,630 (2,043) $ 137,313 $ 128,736 $ (16,660)
Schedule of components of the net deferred tax asset	December 31, (Dollars in thousands) 2022 2021 Allowance for credit losses $ 101,416 $ 81,767 Share-based compensation 10,509 6,290 Pension plan and post-retirement benefits 1,157 752 Deferred compensation 14,583 14,437 Purchase accounting adjustments 1,484 — Accrued expenses 6,953 — Other real estate owned 877 1,577 Net operating loss and tax credit carryforwards 27,271 20,659 Nonaccrual Interest 566 88 Lease liability 27,675 28,514 Mark to market assets — 11,788 Unrealized losses on investment securities available for sale 215,013 6,691 Other 1,277 719 Total deferred tax assets 408,781 173,282 Depreciation 22,442 21,028 Intangible assets 23,558 27,732 Net deferred loan costs 10,431 3,579 Right of use assets 25,848 27,136 Prepaid expense 836 725 Mark to market liabilities 110,122 — Tax deductible goodwill 9,090 5,994 Mortgage servicing rights 21,371 16,100 Purchase accounting adjustments — 890 Other 1,776 302 Total deferred tax liabilities 225,474 103,486 Net deferred tax assets before valuation allowance 183,307 69,796 Less, valuation allowance (5,506) (4,832) Net deferred tax assets $ 177,801 $ 64,964

Other Expense (Tables)

Other Expense (Tables)	12 Months Ended
Other Expense (Tables)	Dec. 31, 2022
Other Expense
Summary of the components of other noninterest expense	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Business development and staff related $ 19,015 $ 14,571 $ 8,721 Bankcard expense 3,576 3,459 2,224 Other loan expense 8,646 7,562 5,105 Director and shareholder expense 4,382 5,486 4,175 Armored carrier and courier expense 2,650 3,081 2,449 Property and sales tax 4,037 3,487 3,936 Bank service charge expense 2,472 2,147 1,725 Fraud and operational charge-off expense 11,202 4,727 2,231 Low income housing tax credit partnership amortization 9,722 9,986 12,977 Donations 4,112 2,563 2,121 Deposit earnings credit expense 4,507 2,809 — Other 10,139 7,473 7,181 $ 84,460 $ 67,351 $ 52,845

Earnings Per Common Share (Tabl

Earnings Per Common Share (Tables)	12 Months Ended
Earnings Per Common Share (Tables)	Dec. 31, 2022
Earnings Per Common Share
Schedule of computation of basic and diluted earnings per common share	Year Ended December 31, (Dollars and shares in thousands, except for per share amounts) 2022 2021 2020 Basic earnings per common share: Net income $ 496,049 $ 475,543 $ 120,632 Weighted-average basic common shares 74,551 70,393 54,756 Basic earnings per common share $ 6.65 $ 6.76 $ 2.20 Diluted earnings per common share: Net income $ 496,049 $ 475,543 $ 120,632 Weighted-average basic common shares 74,551 70,393 54,756 Effect of dilutive securities 630 496 307 Weighted-average dilutive shares 75,181 70,889 55,063 Diluted earnings per common share $ 6.60 $ 6.71 $ 2.19
Schedule of anti-dilutive securities excluded from computation of diluted earnings per common share	Year Ended December 31, (Shares in thousands) 2022 2021 2020 Number of shares 57,169 57,169 136,844 Range of exercise prices $ 87.30 to $ 91.35 $ 87.30 to $ 91.35 $ 61.42 to $ 91.35

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive (Loss) Income (Tables)	12 Months Ended
Accumulated Other Comprehensive (Loss) Income (Tables)	Dec. 31, 2022
Accumulated Other Comprehensive (Loss) Income.
Schedule of components of accumulated other comprehensive (loss) income	Unrealized Gains and Gains (Losses) on Benefit (Losses) on Securities Cash Flow (Dollars in thousands) Plans Available for Sale Hedges Total Balance at December 31, 2019 $ (149) $ 11,922 $ (10,756) $ 1,017 Other comprehensive income (loss) before reclassifications (119) 35,857 (26,140) 9,598 Amounts reclassified from accumulated other comprehensive income 117 (39) 36,896 36,974 Net comprehensive income (loss) (2) 35,818 10,756 46,572 Balance at December 31, 2020 (151) 47,740 — 47,589 Other comprehensive income (loss) before reclassifications 75 (68,865) — (68,790) Amounts reclassified from accumulated other comprehensive loss 133 (78) — 55 Net comprehensive income (loss) 208 (68,943) — (68,735) Balance at December 31, 2021 57 (21,203) — (21,146) Other comprehensive loss before reclassifications (838) (655,189) — (656,027) Amounts reclassified from accumulated other comprehensive loss 108 (23) — 85 Net comprehensive loss (730) (655,212) — (655,942) Balance at December 31, 2022 $ (673) $ (676,415) $ — $ (677,088)
Schedule of reclassifications out of accumulated other comprehensive (loss) income, net of tax	Amount Reclassified from Accumulated Other Comprehensive Income (Loss) (Dollars in thousands) For the Years Ended December 31, Accumulated Other Comprehensive Income (Loss) Component 2022 2021 2020 Income Statement Line Item Affected Losses on cash flow hedges: Interest rate contracts $ — $ — $ 47,303 Interest expense — — (10,407) Provision for income taxes — — 36,896 Net income Gains on sales of available for sale securities: $ (30) $ (102) $ (50) Securities gains, net 7 24 11 Provision for income taxes (23) (78) (39) Net income Losses and amortization of defined benefit pension: Actuarial losses $ 143 $ 174 $ 152 Salaries and employee benefits (35) (41) (35) Provision for income taxes 108 133 117 Net income Total reclassifications for the period $ 85 $ 55 $ 36,974

Retirement Plans (Tables)

Retirement Plans (Tables)	12 Months Ended
Retirement Plans (Tables)	Dec. 31, 2022
Non-contributory defined benefit pension plan
Retirement Plans
Schedule of expenses incurred and charged against operations with regard to all of the company's retirement plans	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Employee savings plan/ 401(k) $ 15,357 $ 14,991 $ 10,962 Supplemental executive retirement plan (1,510) 3,475 2,862 Post-retirement benefits (108) 67 43 $ 13,739 $ 18,533 $ 13,867

Post-Retirement Benefits (Table

Post-Retirement Benefits (Tables)	12 Months Ended
Post-Retirement Benefits (Tables)	Dec. 31, 2022
SCBT Post-retirement Benefit Plan
Post-Retirement Benefits
Schedule of the plan's funded status and amounts recognized in the Company's accompanying consolidated balance sheets	December 31, (Dollars in thousands) 2022 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 195 $ 209 $ 254 Interest cost 4 3 6 Actuarial (gain) loss (14) 11 (19) Benefits paid (28) (28) (32) Benefit obligation at end of year 157 195 209 Change in plan assets: Fair value of plan assets at beginning of year — — — Employer contribution 28 28 32 Benefits paid (28) (28) (32) Fair value of plan assets at end of year — — — Funded status $ (157) $ (195) $ (209)
Schedule of weighted average assumptions used to determine benefit obligations and net periodic benefit cost	Year Ended December 31, 2022 2021 2020 Weighted-average assumptions used to determine benefit obligation at December 31: Discount rate 4.80 % 2.10 % 1.60 % Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31: Discount rate 2.10 % 1.60 % 2.70 % Assumed health care cost trend rates at December 31: Health care cost trend rate assumed for next year 5.00 % 5.00 % 5.00 %
Schedule of components of net periodic benefit cost and other amounts recognized in other comprehensive (loss) income	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Interest cost $ 4 $ 3 $ 6 Recognized net actuarial loss 1 — 2 Net periodic benefit cost 5 3 8 Net (gain) loss (14) 11 (19) Amortization of loss (1) — (2) Total amount recognized in other comprehensive income (15) 11 (21) Total recognized in net periodic benefit cost and other comprehensive income $ (10) $ 14 $ (13)
Schedule of estimated future benefit payments (including expected future service as appropriate)	(Dollars in thousands) 2023 $ 26 2024 25 2025 22 2026 20 2027 18 2028-2032 59 $ 170
FFCH Post-retirement Benefit Plan
Post-Retirement Benefits
Schedule of the plan's funded status and amounts recognized in the Company's accompanying consolidated balance sheets	December 31, (Dollars in thousands) 2022 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 1,754 $ 2,070 $ 2,109 Interest cost 35 31 54 Actuarial loss 1,124 (110) 180 Benefits paid (416) (246) (285) Less: Federal subsidy on benefits paid 11 9 12 Benefit obligation at end of year 2,508 1,754 2,070 Change in plan assets: Fair value of plan assets at beginning of year — — — Employer contribution 405 236 273 Participants’ contributions 11 10 12 Benefits paid (416) (246) (285) Fair value of plan assets at end of year — — — Funded status $ (2,508) $ (1,754) $ (2,070)
Schedule of weighted average assumptions used to determine benefit obligations and net periodic benefit cost	Year Ended December 31, 2022 2021 2020 Weighted-average assumptions used to determine benefit obligation at December 31: Discount rate 4.80 % 2.10 % 1.60 % Weighted-average assumptions used to determine net periodic benefit cost for years ended December 31: Discount rate 2.10 % 1.60 % 2.70 % Assumed health care cost trend rates at December 31: Health care cost trend rate assumed for next year 5.00 % 5.00 % 5.00 %
Schedule of components of net periodic benefit cost and other amounts recognized in other comprehensive (loss) income	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Interest cost $ 35 $ 31 $ 54 Recognized net actuarial loss 141 174 151 Net periodic benefit cost 176 205 205 Net (gain) loss 1,124 (110) 180 Amortization of loss (141) (174) (151) Total amount recognized in other comprehensive income 983 (284) 29 Total recognized in net periodic benefit cost and other comprehensive income $ 1,159 $ (79) $ 234
Schedule of estimated future benefit payments (including expected future service as appropriate)	(Dollars in thousands) 2023 $ 368 2024 345 2025 320 2026 294 2027 268 2028-2032 968 $ 2,563

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
Share-Based Compensation (Tables)	Dec. 31, 2022
Share-Based Compensation
Schedule of stock option activity	Year Ended December 31, 2022 2021 2020 Weighted Weighted Weighted Average Average Average Exercise Exercise Exercise Shares Price Shares Price Shares Price Outstanding at January 1, 2022 185,125 $ 63.03 256,425 $ 59.01 176,888 $ 67.14 Assumed stock options and warrants from ACBI merger 23,410 40.73 — — 136,831 37.85 Exercised (43,525) 41.16 (64,075) 45.35 (52,331) 32.12 Forfeited (356) 38.31 (6,250) 85.42 (4,963) 48.89 Expired (2,822) 36.98 (975) 24.37 — Outstanding at December 31, 2022 161,832 66.20 185,125 63.03 256,425 59.01 Exercisable at December 31, 2022 161,832 66.20 185,125 63.03 256,425 59.01
Schedule of information pertaining to options outstanding	Options Outstanding Options Exercisable Weighted Weighted Average Average Remaining Weighted Remaining Weighted Range of Number Contractual Average Number Contractual Average Exercise Prices Outstanding Life Exercise Price Outstanding Life Exercise Price $ 23.19 - $ 40.00 13,811 1.1 years $ 35.36 13,811 1.1 years $ 35.36 $ 40.01 - $ 55.00 40,449 3.4 years $ 44.64 40,449 3.4 years $ 44.64 $ 55.01 - $ 70.00 50,403 2.1 years $ 63.68 50,403 2.1 years $ 63.68 $ 85.01 - $ 91.35 57,169 4.6 years $ 91.12 57,169 4.6 years $ 91.12 161,832 3.2 years $ 66.20 161,832 3.2 years $ 66.20
Summary of nonvested restricted stock	Weighted- Average Grant-Date Restricted Stock Shares Fair Value Nonvested at January 1, 2022 3,066 $ 67.31 Assumed restricted stock shares from ACBI merger 84,224 90.00 Vested (31,416) 89.21 Forfeited (5,368) 90.00 Nonvested at December 31, 2022 50,506 $ 89.12
Vesting schedule of shares	Shares 2023 30,610 2024 14,107 2025 5,789 50,506
Summary of nonvested RSUs	Weighted- Average Grant-Date Restricted Stock Units Shares Fair Value Outstanding at January 1, 2022 948,213 $ 67.01 Assumed restricted stock units from ACBI merger 55,736 87.94 Granted 338,500 82.30 Vested (393,730) 66.49 Forfeited (8,207) 83.38 Outstanding at December 31, 2022 940,512 $ 73.82

Lease Commitments (Tables)

Lease Commitments (Tables)	12 Months Ended
Lease Commitments (Tables)	Dec. 31, 2022
Lease Commitments
Schedule of information pertaining to operating leases	(Dollars in thousands) Year Ended December 31, 2022 2021 2020 Lease Cost Components: Amortization of ROU assets - finance leases $ 466 $ 466 $ 289 Interest on lease liabilities - finance leases 49 56 44 Operating lease cost (cost resulting from lease payments) 17,782 17,236 14,266 Short-term lease cost 820 446 404 Variable lease cost (cost excluded from lease payments) 2,399 2,768 1,081 Total lease cost $ 21,516 $ 20,972 $ 16,084 Supplemental Cash Flow and Other Information Related to Leases: Finance lease - operating cash flows $ 49 $ 56 $ 42 Finance lease - financing cash flows 434 427 255 Operating lease - operating cash flows (fixed payments) 17,253 16,435 12,876 Operating lease - operating cash flows (net change asset/liability) (13,723) (12,790) (9,123) New ROU assets - operating leases 12,635 9,623 43,583 New ROU assets - finance leases — — 5,374 Weighted - average remaining lease term (years) - finance leases 5.42 6.41 7.40 Weighted - average remaining lease term (years) - operating leases 10.03 10.95 11.51 Weighted - average discount rate - finance leases 1.7% 1.7% 1.7% Weighted - average discount rate - operating leases 3.0% 3.2% 3.3% Operating lease payments due: 2023 $ 16,280 2024 14,909 2025 13,546 2026 13,135 2027 12,172 Thereafter 66,551 Total undiscounted cash flows 136,593 Discount on cash flows (20,983) Total operating lease liabilities $ 115,610

Financial Instruments with Of_2

Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
Financial Instruments with Off-Balance Sheet Risk (Tables)	Dec. 31, 2022
Financial Instruments with Off-Balance Sheet Risk
Schedule of financial instruments of the subsidiary, whose contract amounts represent credit risk	Year Ended December 31, (Dollars in thousands) 2022 2021 Commitments to extend credit $ 11,109,260 $ 7,416,311 Standby letters of credit and financial guarantees 93,882 71,824 $ 11,203,142 $ 7,488,135

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
Fair Value (Tables)	Dec. 31, 2022
Schedule of recorded amount of assets and liabilities measured at fair value on a recurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) December 31, 2022: Assets Derivative financial instruments $ 211,016 $ — $ 211,016 $ — Loans held for sale 28,968 — 28,968 — Trading securities 31,263 — 31,263 — Securities available for sale: U.S. Treasuries 265,638 — 265,638 — U.S. Government agencies 219,088 — 219,088 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,698,353 — 1,698,353 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 601,045 — 601,045 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,000,398 — 1,000,398 — State and municipal obligations 1,064,852 — 1,064,852 — Small Business Administration loan-backed securities 444,810 — 444,810 — Corporate securities 32,638 — 32,638 — Total securities available for sale 5,326,822 — 5,326,822 — Mortgage servicing rights 86,610 — — 86,610 SBA servicing asset 6,068 — — 6,068 $ 5,690,747 $ — $ 5,598,069 $ 92,678 Liabilities Derivative financial instruments $ 1,034,143 $ — $ 1,034,143 $ — December 31, 2021: Assets Derivative financial instruments $ 414,742 $ — $ 414,742 $ — Loans held for sale 191,723 — 191,723 — Trading securities 77,689 — 77,689 — Securities available for sale: U.S. Government agencies 97,117 — 97,117 — Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,831,039 — 1,831,039 — Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises 725,995 — 725,995 — Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises 1,207,241 — 1,207,241 — State and municipal obligations 812,689 — 812,689 — Small Business Administration loan-backed securities 500,663 — 500,663 — Corporate securities 18,734 — 18,734 — Total securities available for sale 5,193,478 — 5,193,478 — Mortgage servicing rights 65,620 — — 65,620 $ 5,943,252 $ — $ 5,877,632 $ 65,620 Liabilities Derivative financial instruments $ 288,561 $ — $ 288,561 $ —
Schedule of amounts of assets and liabilities measured at fair value on a nonrecurring basis	Quoted Prices In Active Significant Markets Other Significant for Identical Observable Unobservable Assets Inputs Inputs (Dollars in thousands) Fair Value (Level 1) (Level 2) (Level 3) December 31, 2022: OREO $ 1,023 $ — $ — $ 1,023 Bank property held for sale 17,754 — — 17,754 Individually evaluated loans 56,719 — — 56,719 December 31, 2021: OREO $ 2,736 $ — $ — $ 2,736 Bank property held for sale 9,578 — — 9,578 Individually evaluated loans 20,802 — — 20,802
Schedule of quantitative information about level 3 fair value measurements	Weighted Average December 31, December 31, Valuation Technique Unobservable Input 2022 2021 Nonrecurring measurements: Individually evaluated loans Discounted appraisals and discounted cash flows Collateral discounts 31 % 9 % OREO and premises held for sale Discounted appraisals Collateral discounts and estimated costs to sell 16 % 24 %
Schedule of estimated fair value, and related carrying amount, of the Company's financial instruments	Carrying Fair (Dollars in thousands) Amount Value Level 1 Level 2 Level 3 December 31, 2022 Financial assets: Cash and cash equivalents $ 1,312,563 $ 1,312,563 $ 1,312,563 $ — $ — Trading securities 31,263 31,263 — 31,263 — Investment securities 8,189,780 7,756,707 179,717 7,576,990 — Loans held for sale 28,968 28,968 — 28,968 — Loans, net of allowance for credit losses 29,821,418 29,329,499 — — 29,329,499 Accrued interest receivable 134,594 134,594 — 28,449 106,145 Mortgage servicing rights 86,610 86,610 — — 86,610 SBA servicing asset 6,068 — — — 6,068 Interest rate swap - non-designated hedge 210,216 210,216 — 210,216 — Other derivative financial instruments (mortgage banking related) 800 800 — 800 — Financial liabilities: Deposits 36,350,623 36,264,401 — 36,264,401 — Federal funds purchased and securities sold under agreements to repurchase 556,417 556,417 — 556,417 — Other borrowings 392,275 377,360 — 377,360 — Accrued interest payable 6,218 6,218 — 6,218 — Interest rate swap - non-designated hedge 1,033,980 1,033,980 — 1,033,980 — Other derivative financial instruments (mortgage banking related) 163 163 — 163 — Off balance sheet financial instruments: Commitments to extend credit — (184,801) — (184,801) — December 31, 2021 Financial assets: Cash and cash equivalents $ 6,721,571 $ 6,721,571 $ 6,721,571 $ — $ — Trading securities 77,689 77,689 — 77,689 — Investment securities 7,173,947 7,132,110 160,568 6,971,542 — Loans held for sale 191,723 191,723 — 191,723 — Loans, net of allowance for credit losses 23,626,359 23,921,372 — — 23,921,372 Accrued interest receivable 90,069 90,069 — 19,241 70,828 Mortgage servicing rights 65,620 65,620 — — 65,620 Interest rate swap - non-designated hedge 408,776 408,776 — 408,776 — Other derivative financial instruments (mortgage banking related) 5,966 5,966 — 5,966 — Financial liabilities: Deposits 35,054,829 35,050,516 — 35,050,516 — Federal funds purchased and securities sold under agreements to repurchase 781,239 781,239 — 781,239 — Other borrowings 327,066 334,640 — 334,640 — Accrued interest payable 3,345 3,345 — 3,345 — Interest rate swap - non-designated hedge 288,561 288,561 — 288,561 — Off balance sheet financial instruments: Commitments to extend credit — 93,501 — 93,501 —
Mortgage Servicing Rights
Schedule of reconciliation of the beginning and ending balances of Level 3 assets, comprised of Mortgage Servicing Rights, SBA servicing asset and liabilities recorded at fair value on a recurring basis	(Dollars in thousands) Assets Fair value, January 1, 2022 $ 65,620 Servicing assets that resulted from transfers of financial assets 16,002 Changes in fair value due to valuation inputs or assumptions 14,886 Changes in fair value due to decay (9,898) Fair value, December 31, 2022 $ 86,610 Fair value, January 1, 2021 $ 43,820 Servicing assets that resulted from transfers of financial assets 26,733 Changes in fair value due to valuation inputs or assumptions 4,932 Changes in fair value due to decay (9,865) Fair value, December 31, 2021 $ 65,620
SBA servicing asset
Schedule of reconciliation of the beginning and ending balances of Level 3 assets, comprised of Mortgage Servicing Rights, SBA servicing asset and liabilities recorded at fair value on a recurring basis	(Dollars in thousands) Assets Beginning Balance, June 30, 2022 $ 7,369 Servicing assets that resulted from transfers of financial assets 1,273 Changes in fair value due to decay (1,845) Changes in fair value due to valuation inputs or assumptions (729) Fair value, December 31, 2022 $ 6,068

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
Regulatory Matters (Tables)	Dec. 31, 2022
Regulatory Matters
Schedule of actual and required capital ratios	Required to be Minimum Capital Considered Well Actual Required - Basel III Capitalized (Dollars in thousands) Amount Ratio Capital Amount Ratio Capital Amount Ratio December 31, 2022: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,788,106 10.96 % $ 2,420,417 7.00 % $ 2,247,530 6.50 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,417,133 7.00 % 2,244,481 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,788,106 10.96 % 2,939,077 8.50 % 2,766,190 8.00 % SouthState Bank (the Bank) 4,074,045 11.80 % 2,935,090 8.50 % 2,762,438 8.00 % Total capital to risk-weighted assets: Consolidated 4,485,397 12.97 % 3,630,625 10.50 % 3,457,738 10.00 % SouthState Bank (the Bank) 4,381,336 12.69 % 3,625,700 10.50 % 3,453,047 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,788,106 8.72 % 1,736,991 4.00 % 2,171,239 5.00 % SouthState Bank (the Bank) 4,074,045 9.39 % 1,736,330 4.00 % 2,170,412 5.00 % December 31, 2021: Common equity Tier 1 to risk-weighted assets: Consolidated $ 3,201,644 11.76 % $ 1,905,129 7.00 % $ 1,769,049 6.50 % SouthState Bank (the Bank) 3,431,069 12.63 % 1,901,252 7.00 % 1,765,448 6.50 % Tier 1 capital to risk-weighted assets: Consolidated 3,201,644 11.76 % 2,313,371 8.50 % 2,177,291 8.00 % SouthState Bank (the Bank) 3,431,069 12.63 % 2,308,663 8.50 % 2,172,859 8.00 % Total capital to risk-weighted assets: Consolidated 3,692,674 13.57 % 2,857,694 10.50 % 2,721,613 10.00 % SouthState Bank (the Bank) 3,594,099 13.23 % 2,851,878 10.50 % 2,716,074 10.00 % Tier 1 capital to average assets (leverage ratio): Consolidated 3,201,644 8.08 % 1,584,605 4.00 % 1,980,756 5.00 % SouthState Bank (the Bank) 3,431,069 8.68 % 1,581,773 4.00 % 1,977,216 5.00 %

Condensed Financial Statement_2

Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
Condensed Financial Statements of Parent Company (Tables)	Dec. 31, 2022
Condensed Financial Statements of Parent Company
Schedule of condensed balance sheet	December 31, (Dollars in thousands) 2022 2021 ASSETS Cash $ 89,069 $ 81,051 Investment in subsidiaries 5,368,525 5,039,776 Other assets 12,555 10,556 Total assets $ 5,470,149 $ 5,131,383 LIABILITIES AND SHAREHOLDERS’ EQUITY Corporate and subordinated debentures $ 392,275 $ 327,066 Other Liabilities 2,947 1,377 Shareholders’ equity 5,074,927 4,802,940 Total liabilities and shareholders’ equity $ 5,470,149 $ 5,131,383
Schedule of condensed statements of income	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Income: Dividends from subsidiaries $ 220,124 $ 200,083 $ 90,404 Operating (loss) income (68) 25 52 Total income 220,056 200,108 90,456 Operating expenses 30,514 40,727 45,574 Income before income tax benefit and equity in undistributed earnings of subsidiaries 189,542 159,381 44,882 Applicable income tax benefit 6,649 9,053 8,960 Equity in undistributed earnings of subsidiaries 299,858 307,109 66,790 Net income available to common shareholders $ 496,049 $ 475,543 $ 120,632
Schedule of condensed statements of cash flows	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Cash flows from operating activities: Net income $ 496,049 $ 475,543 $ 120,632 Adjustments to reconcile net income to net cash provided by operating activities: Depreciation and amortization (208) 1,382 1,528 Share-based compensation 35,638 25,721 23,316 Extinguishment of debt cost — 11,706 — Decrease (increase) in other assets (375) 5,690 (11,710) Decrease in other liabilities (243) (3,648) (12,323) Undistributed earnings of subsidiaries (299,858) (307,109) (66,790) Net cash provided by operating activities 231,003 209,285 54,653 Cash flows from investing activities: Repayment of investments in and advances to subsidiaries — 93,591 163,000 Net cash inflow from acquisitions 51,566 — 19,650 Net cash provided by investing activities 51,566 93,591 182,650 Cash flows from financing activities: Repayment of other borrowings (13,000) (75,878) — Common stock issuance 2,858 2,384 1,537 Common stock repurchased (119,330) (147,421) (32,431) Dividends paid on common stock (146,664) (135,337) (98,256) Stock options exercised 1,585 2,905 1,681 Net cash used in financing activities (274,551) (353,347) (127,469) Net (decrease) increase in cash and cash equivalents 8,018 (50,471) 109,834 Cash and cash equivalents at beginning of period 81,051 131,522 21,688 Cash and cash equivalents at end of period $ 89,069 $ 81,051 $ 131,522

Derivative Financial Instrume_2

Derivative Financial Instruments (Tables)	12 Months Ended
Derivative Financial Instruments (Tables)	Dec. 31, 2022
Derivative Financial Instruments
Derivative financial instruments summary	December 31, 2022 December 31, 2021 Balance Sheet Notional Estimated Fair Value Notional Estimated Fair Value (Dollars in thousands) Location Amount Gain Loss Amount Gain Loss Fair value hedge of interest rate risk: Pay fixed rate swap with counterparty Other Assets and Other Liabilities $ 12,289 $ 414 $ — $ 15,716 $ — $ 1,355 Not designated hedges of interest rate risk: Customer related interest rate contracts: Matched interest rate swaps with borrowers Other Assets and Other Liabilities 10,480,171 8,539 1,033,980 10,404,605 408,776 69,998 Matched interest rate swaps with counterparty Other Assets and Other Liabilities 10,400,733 201,263 — 10,402,394 — 217,208 Not designated hedges of interest rate risk - mortgage banking activities: Contracts used to hedge mortgage servicing rights Other Assets and Other Liabilities 35,000 — 163 205,000 1,228 — Contracts used to hedge mortgage pipeline Other Assets 51,000 800 — 324,000 4,738 — Total derivatives $ 20,979,193 $ 211,016 $ 1,034,143 $ 21,351,715 $ 414,742 $ 288,561
Schedule of notional value of forward sale commitments and the fair value of those obligations along with the fair value of the mortgage pipeline	(Dollars in thousands) 2022 2021 Mortgage loan pipeline $ 40,850 $ 264,000 Expected closures 37,210 233,265 Fair value of mortgage loan pipeline commitments 524 4,759 Forward sales commitments 51,000 324,000 Fair value of forward commitments 276 (21)

Mortgage Loan Servicing, Orig_2

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Tables)	12 Months Ended
	Dec. 31, 2022
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Summary of changes in the fair value of MSRs and its offsetting hedge	Year Ended December 31, (Dollars in thousands) 2022 2021 2020 Increase in fair value of MSRs $ 14,886 $ 9,930 $ (7,421) Decay of MSRs (9,897) (14,863) (8,793) Loss related to derivatives (18,212) (4,892) 10,177 Net effect on Consolidated Statements of Income $ (13,223) $ (9,825) $ (6,037)
Schedule of characteristics and sensitivity analysis of the MSR	December 31, (Dollars in thousands) 2022 2021 Composition of residential loans serviced for others Fixed-rate mortgage loans 100.0 % 99.9 % Adjustable-rate mortgage loans — % 0.1 % Total 100.0 % 100.0 % Weighted average life 8.37 years 7.35 years Constant Prepayment rate (CPR) 6.4 % 8.4 % Weighted average discount rate 10.0 % 9.0 % Effect on fair value due to change in interest rates 25 basis point increase $ 774 $ 3,961 50 basis point increase 1,428 7,261 25 basis point decrease (902) (4,371) 50 basis point decrease (1,938) (8,966)

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Operations, Segments (Details) $ in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) segment subsidiary state	Dec. 31, 2021 USD ($) subsidiary
Summary of Significant Accounting Policies
Number of state where banking service is provided \| state	6
Number of unconsolidated subsidiaries \| subsidiary	13
Trust preferred securities to be issued \| $	$ 118.6
Number of Unconsolidated Subsidiaries, Dissolved \| subsidiary		7
Trust preferred securities redeemed \| $		$ 39.9
Segments
Number of Operating Segments \| segment	1

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Concentrations of Credit Risk (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) item	Dec. 31, 2021
Concentrations of Credit Risk
CDL Concentration Ratio (as percentage)	64.80%	55.20%
CRE Concentration Ratio (as percentage)	249%	238.50%
Concentrations of Credit Risk
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold (as a percent)	25%
Loans. \| Concentrations of Credit Risk
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	$ 1,000,000
Number of credit concentrations for non-acquired credit impaired loans \| item	8
Loans. \| Concentrations of Credit Risk \| Loans on hotels and motels
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	$ 1,000,000
Loans. \| Concentrations of Credit Risk \| Lessors of nonresidential buildings
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	5,700,000
Loans. \| Concentrations of Credit Risk \| Loans on owner occupied office buildings
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	1,900,000
Loans. \| Concentrations of Credit Risk \| Other holding companies
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	1,700,000
Loans. \| Concentrations of Credit Risk \| Lessors of residential and buildings
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	1,800,000
Loans. \| Concentrations of Credit Risk \| Loans secured by jumbo
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	5,400,000
Amount loaned	548,250
Loans. \| Concentrations of Credit Risk \| Residential 1-4 family
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	2,300,000
Loans. \| Concentrations of Credit Risk \| Business assets
Concentrations of Credit Risk
Concentration risk threshold, total risk-based capital threshold	$ 2,100,000

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Cash and Cash Equivalents (Details) $ in Millions	Dec. 31, 2022 USD ($)
Repurchase Agreements
Cash and Cash Equivalents [Line Items]
Held securities to resell	$ 108.9

Summary of Significant Accoun_7

Summary of Significant Accounting Policies - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Held-to-maturity Securities	$ 2,683,241	$ 1,819,901
Interest Receivable	105,400	70,600
Other Assets
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Accrued interest receivable for investment securities	28,200	19,200
Interest Receivable	105,400	70,600
Other Liabilities
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Liability Recorded for Expected Credit Losses on Unfunded Commitments	$ 67,200	$ 30,500

Summary of Significant Accoun_8

Summary of Significant Accounting Policies - Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Summary of Significant Accounting Policies
Existence of option to extend	true
Right to use asset	$ 108,000	$ 110,300
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, Plant and Equipment, Net	Property, Plant and Equipment, Net
Lease Liability	$ 115,610	$ 115,900
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.	Other Liabilities.

Summary of Significant Accoun_9

Summary of Significant Accounting Policies - Intangible assets, Transfer of financial assets (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Intangible Assets
Goodwill	$ 1,923,106	$ 1,923,106	$ 1,581,085	$ 1,563,942
Impairment Charges	$ 0	$ 0
Minimum
Intangible Assets
Estimated useful lives of intangibles		2 years
Maximum
Intangible Assets
Estimated useful lives of intangibles		15 years
Core deposit intangibles \| Minimum
Intangible Assets
Estimated useful lives of intangibles		10 years
Core deposit intangibles \| Maximum
Intangible Assets
Estimated useful lives of intangibles		13 years
Client list intangibles
Intangible Assets
Estimated useful lives of intangibles		15 years

Summary of Significant Accou_10

Summary of Significant Accounting Policies - Revenue from Contracts with Customers (Details) $ in Thousands, contract in Millions	12 Months Ended
	Dec. 31, 2022 USD ($) contract	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Summary of Significant Accounting Policies
Number of active contracts \| contract	1.1
Transferred at Point in Time
Summary of Significant Accounting Policies
Revenue from contract with customers	$ 266,800	$ 255,400	$ 182,800
Transferred over Time
Summary of Significant Accounting Policies
Revenue from contract with customers	20,200	19,900	17,900
Interchange and debit card transaction fees
Summary of Significant Accounting Policies
Transaction fees	40,700	38,300	30,200
Network costs	18,500	20,300	16,500
Revenue from contract with customers	22,200	18,000	13,700
Trust and investment services income
Summary of Significant Accounting Policies
Revenue from contract with customers	39,019	36,981	29,437
Deposit account services
Summary of Significant Accounting Policies
Revenue from contract with customers	$ 129,700	$ 107,300	$ 85,700

Summary of Significant Accou_11

Summary of Significant Accounting Policies - Reclassification and Correction (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
Assets:
Effect to deposits in other financial institutions (restricted cash)	$ 183,685	$ 226,003
Net effect to total assets	43,918,696	41,838,456
Liabilities:
Effect to derivative liabilities	1,034,143	288,561
Net effect to total liabilities	38,843,769	37,035,516
Shareholders' equity:
Effect to shareholders' equity	5,074,927	4,802,940	$ 4,647,880	$ 2,373,013
Liabilities and shareholders' equity	43,918,696	41,838,456
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks	46,848	6,720	4,198
Net effect to interest income	1,397,025	1,084,804	910,029
Net effect to net interest income	1,335,671	1,033,175	826,465
Noninterest income:
Net effect to noninterest income	309,247	354,252	311,140
Net effect to net income	$ 496,049	$ 475,543	120,632
Effect to Tier 1 leverage ratio	0.0872	0.0808
Effect to CET 1 risk-based capital ratio	0.1096%	0.1176%
Effect to Total risk-based capital ratio	0.1297	0.1357
SouthState Bank (the Bank)
Noninterest income:
Effect to Tier 1 leverage ratio	0.0939	0.0868
Effect to CET 1 risk-based capital ratio	0.118%	0.1263%
Effect to Total risk-based capital ratio	0.1269	0.1323
Correspondent banking and capital market income
Noninterest income:
Noninterest income	$ 78,755	$ 110,048	$ 64,743
Adjustments
Assets:
Effect to deposits in other financial institutions (restricted cash)		(121,576)
Net effect to total assets		(121,576)
Liabilities:
Effect to derivative liabilities		(121,576)
Net effect to total liabilities		(121,576)
Interest income:
Effect to interest income on federal funds sold and interest-earning deposits with banks		(43)
Net effect to interest income		(43)
Net effect to net interest income		(43)
Noninterest income:
Net effect to noninterest income		$ 43
Effect to Tier 1 leverage ratio		0.0003
Effect to CET 1 risk-based capital ratio		0.0001%
Effect to Tier 1 risk-based capital ratio		0.0001
Effect to Total risk-based capital ratio		0.0001
Adjustments \| SouthState Bank (the Bank)
Noninterest income:
Effect to Tier 1 leverage ratio		0.0003
Effect to CET 1 risk-based capital ratio		0.0001%
Effect to Tier 1 risk-based capital ratio		0.0001
Effect to Total risk-based capital ratio		0.0001
Adjustments \| Correspondent banking and capital market income
Noninterest income:
Noninterest income		$ 43

Mergers and Acquisitions - Dunc

Mergers and Acquisitions - Duncan Williams (Details) - USD ($) $ in Thousands	Feb. 01, 2021	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Mergers and Acquisitions
Goodwill		$ 1,923,106	$ 1,581,085	$ 1,563,942
SouthState\|Duncan-Williams
Mergers and Acquisitions
Purchase price	$ 48,300
Additional premium paid after three years	8,000
Goodwill	$ 15,800

Mergers and Acquisitions - Atla

Mergers and Acquisitions - Atlantic Capital (Details)		12 Months Ended
Mergers and Acquisitions - Atlantic Capital (Details)	Mar. 01, 2022 USD ($) $ / shares shares	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Mar. 31, 2022 USD ($)
Mergers and Acquisitions
Goodwill		$ 1,923,106,000	$ 1,581,085,000	$ 1,563,942,000
Deposits:
Goodwill		1,923,106,000	1,581,085,000	1,563,942,000
Consideration:
Reversal of CSFL's ending allowance for credit losses		$ 23,446,000	$ 16,899,000	$ 14,602,000
Deferred tax assets related to fair value adjustments with effective tax rate		21%	21%	21%
Atlantic Capital
Mergers and Acquisitions
Shares of the common stock in exchange for each share	0.36
Purchase price	$ 657,810,000
Loans at fair value acquired after initial fair value adjustment	2,400,000,000
Estimated discount on loans	$ 54,300,000
Estimated discount on loans (as a percent)	2.24%
Loans acquired as a percentage of total loans	10%
Credit deficiencies that were identified as Purchased Credit Deteriorated ("PCD") loans.	$ 137,900,000
Goodwill	342,021,000				$ 342,900,000
Acquisition costs		$ 18,500,000	$ 1,700,000
Assets
Cash and cash equivalents	250,158,000
Investment securities	703,710,000
Loans, net of allowance and mark	2,369,678,000
Premises and equipment	19,500,000
Intangible assets	20,791,000
Bank owned life insurance	74,613,000
Deferred tax asset	31,479,000
Other assets	51,554,000
Total assets	3,521,483,000
Deposits:
Noninterest-bearing	1,411,671,000
Interest-bearing	1,616,970,000
Total deposits	3,028,641,000
Federal funds purchased and securities sold under agreements to repurchase	50,000,000
Other borrowings	78,417,000
Other liabilities	48,636,000
Total liabilities	3,205,694,000
Net identifiable assets acquired over (under) liabilities assumed	315,789,000
Goodwill	342,021,000				$ 342,900,000
Net assets acquired over liabilities assumed	$ 657,810,000
Consideration:
Number of shares issued as consideration \| shares	7,330,803
Purchase price per share of the Company's common stock \| $ / shares	$ 90
Company common stock issued and cash exchanged for fractional shares.	$ 659,791,000
Value of shares issued	659,772,000
Value of common stock issued for fractional shares	19,000
Stock option conversion	1,135,000
Restricted stock unit conversion	2,870,000
Restricted stock awards conversion (unvested awards)	(5,986,000)
Fair value of total consideration transferred	657,810,000
Reversal of fair value adjustments	17,200,000
Securities and time deposits at fair value (discount)	30,900,000
HTM reclassified to AFS	$ 237,600,000
Credit mark of the loan portfolio (as a percent)	1.40%
Credit mark of the loan portfolio	$ 34,000,000
Net credit discount of the loan portfolio (as a percent)	2.24%
Net non-credit discount of the loan portfolio	$ 54,300,000
Reversal of CSFL's ending allowance for credit losses	22,100,000
Fair value adjustment for reversal of deferred fees and costs	7,600,000
Fair value adjustment for fixed assets and leased assets	2,600,000
Core deposit intangible from a third party valuation	$ 17,500,000
Core deposit intangible from a third party valuation (as a percent)	0.63
Serving assets from third party valuation	$ 3,200,000
Servicing assets written off	19,900,000
Goodwill written off	$ 2,600,000
Deferred tax assets related to fair value adjustments with effective tax rate	23.90%
Fair value negative adjustment for investment in low income housing	$ 1,100,000
Fair value adjustment (decrease) on write-off of prepaid assets	233,000
Fair value adjustment for receivables	154,000
Fair value adjustment for Small Business Investment Company ("SBIC') Investments	7,400,000
Issuance costs on subordinated debt	900,000
Fair value adjustment on reversal of debt issuance costs	3,400,000
Reversal of an existing unfunded commitment reserve at purchase date	2,800,000
Fair value adjustment to increase lease liabilities associated with rental facilities	1,400,000
Fair value adjustment for reversal of uncertain tax liability	700,000
Atlantic Capital \| As Recorded by Atlantic Capital
Assets
Cash and cash equivalents	250,134,000
Investment securities	717,332,000
Loans, net of allowance and mark	2,394,256,000
Premises and equipment	16,892,000
Intangible assets	22,572,000
Bank owned life insurance	74,613,000
Deferred tax asset	30,231,000
Other assets	45,274,000
Total assets	3,551,304,000
Deposits:
Noninterest-bearing	1,411,671,000
Interest-bearing	1,616,970,000
Total deposits	3,028,641,000
Federal funds purchased and securities sold under agreements to repurchase	50,000,000
Other borrowings	74,131,000
Other liabilities	50,711,000
Total liabilities	3,203,483,000
Net identifiable assets acquired over (under) liabilities assumed	347,821,000
Net assets acquired over liabilities assumed	347,821,000
Atlantic Capital \| Initial Fair Value Adjustments
Mergers and Acquisitions
Goodwill	342,939,000
Assets
Cash and cash equivalents	24,000
Investment securities	(13,622,000)
Loans, net of allowance and mark	(18,964,000)
Premises and equipment	2,608,000
Intangible assets	(1,781,000)
Deferred tax asset	2,273,000
Other assets	(1,277,000)
Total assets	(30,739,000)
Deposits:
Other borrowings	4,286,000
Other liabilities	(2,075,000)
Total liabilities	2,211,000
Net identifiable assets acquired over (under) liabilities assumed	(32,950,000)
Goodwill	342,939,000
Net assets acquired over liabilities assumed	309,989,000
Atlantic Capital \| Subsequent Fair Value Adjustments
Mergers and Acquisitions
Goodwill	(918,000)
Assets
Loans, net of allowance and mark	(5,614,000)
Deferred tax asset	(1,025,000)
Other assets	7,557,000
Total assets	918,000
Deposits:
Net identifiable assets acquired over (under) liabilities assumed	918,000
Goodwill	$ (918,000)

Mergers and Acquisitions - Pro

Mergers and Acquisitions - Pro Forma (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Proforma amounts
Total revenues (net interest income plus noninterest income)	$ 1,660,034	$ 1,523,299
Net interest income	1,347,258	1,152,738
Net adjusted income available to the common shareholder	$ 526,776	$ 523,360
EPS - basic	$ 6.96	$ 6.73
EPS - diluted	$ 6.90	$ 6.69
Atlantic Capital
Mergers and Acquisitions
Acquisition costs	$ 18,500	$ 1,700

Securities - Amortized cost and

Securities - Amortized cost and fair value for available for sale securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
investment securities held-to-maturity
Amortized cost	$ 2,683,241	$ 1,819,901
Gross Unrealized Gains		318
Gross Unrealized Losses	(433,073)	(42,155)
Fair Value	2,250,168	1,778,064
Investment securities available for sale
Amortized cost	6,216,141	5,221,296
Gross Unrealized Gains	4,054	35,980
Gross Unrealized Losses	(893,373)	(63,798)
Fair Value	5,326,822	5,193,478
Gross realized gains	103	750	$ 662
Gross realized losses	(73)	(648)	(612)
Securities gains, net	30	102	$ 50
U.S. Treasuries
Investment securities available for sale
Amortized cost	272,416
Gross Unrealized Losses	(6,778)
Fair Value	265,638
U.S. Government agencies
investment securities held-to-maturity
Amortized cost	197,262	112,913
Gross Unrealized Losses	(29,787)	(2,627)
Fair Value	167,475	110,286
Investment securities available for sale
Amortized cost	245,972	98,882
Gross Unrealized Losses	(26,884)	(1,765)
Fair Value	219,088	97,117
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	1,591,646	1,120,104
Gross Unrealized Gains		14
Gross Unrealized Losses	(255,093)	(24,278)
Fair Value	1,336,553	1,095,840
Investment securities available for sale
Amortized cost	1,996,405	1,851,700
Gross Unrealized Gains		5,324
Gross Unrealized Losses	(298,052)	(25,985)
Fair Value	1,698,353	1,831,039
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	474,660	174,178
Gross Unrealized Losses	(69,664)	(4,937)
Fair Value	404,996	169,241
Investment securities available for sale
Amortized cost	708,337	730,949
Gross Unrealized Gains		5,957
Gross Unrealized Losses	(107,292)	(10,911)
Fair Value	601,045	725,995
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
investment securities held-to-maturity
Amortized cost	362,586	350,116
Gross Unrealized Gains		304
Gross Unrealized Losses	(66,304)	(8,021)
Fair Value	296,282	342,399
Investment securities available for sale
Amortized cost	1,196,700	1,220,233
Gross Unrealized Gains	2,542	5,438
Gross Unrealized Losses	(198,844)	(18,430)
Fair Value	1,000,398	1,207,241
State and municipal obligations
Investment securities available for sale
Amortized cost	1,269,525	798,211
Gross Unrealized Gains	1,210	16,697
Gross Unrealized Losses	(205,883)	(2,219)
Fair Value	1,064,852	812,689
Small Business Administration loan-backed securities
investment securities held-to-maturity
Amortized cost	57,087	62,590
Gross Unrealized Losses	(12,225)	(2,292)
Fair Value	44,862	60,298
Investment securities available for sale
Amortized cost	491,203	502,812
Gross Unrealized Gains	302	2,330
Gross Unrealized Losses	(46,695)	(4,479)
Fair Value	444,810	500,663
Corporate securities.
Investment securities available for sale
Amortized cost	35,583	18,509
Gross Unrealized Gains		234
Gross Unrealized Losses	(2,945)	(9)
Fair Value	$ 32,638	$ 18,734

Securities - Carrying value of

Securities - Carrying value of other investment securities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Other investment securities
Carrying Value	$ 179,717	$ 160,568
Federal Home Loan Bank stock
Other investment securities
Carrying Value	15,085	16,283
Federal Reserve Bank Stock
Other investment securities
Carrying Value	150,261	129,716
Investment in unconsolidated subsidiaries
Other investment securities
Carrying Value	3,563	3,563
Other nonmarketable investment securities
Other investment securities
Carrying Value	$ 10,808	$ 11,006

Securities - Amortized cost a_2

Securities - Amortized cost and fair value by contractual maturity (Details) - USD ($)	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost
Due after one year through five years	$ 101,112,000
Due after five years through ten years	370,429,000
Due after ten years	2,211,700,000
Total	2,683,241,000	$ 1,819,901,000
Fair Value
Due after one year through five years	93,106,000
Due after five years through ten years	327,045,000
Due after ten years	1,830,017,000
Fair Value	2,250,168,000	1,778,064,000
Amortized Cost
Due in one year or less	205,822,000
Due after one year through five years	387,280,000
Due after five years through ten years	1,144,740,000
Due after ten years	4,478,299,000
Amortized Cost	6,216,141,000	5,221,296,000
Fair Value
Due in one year or less	201,700,000
Due after one year through five years	369,174,000
Due after five years through ten years	998,177,000
Due after ten years	3,757,771,000
Fair Value	5,326,822,000	5,193,478,000
Information with respect to sales of available-for-sale securities
Sale proceeds	482,028,000	151,314,000	$ 100,754,000
Gross realized gains	103,000	750,000	662,000
Gross realized losses	(73,000)	(648,000)	(612,000)
Net realized gain	30,000	102,000	50,000
Information with respect to sales of held-to-maturity
Proceeds from sales of investment securities held to maturity	$ 0	$ 0	$ 0

Securities - Securities with gr

Securities - Securities with gross unrealized losses (Details) $ in Thousands	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)
Investment Securities
Number of securities with gross unrealized loss \| item	1,311
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	$ 115,297	$ 31,633
Twelve Months or More	317,776	10,522
Securities Held to Maturity, Fair Value
Less Than Twelve Months	952,682	1,316,106
Twelve Months or More	1,297,486	307,277
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	197,789	46,537
Twelve Months or More	695,584	17,261
Securities Available for Sale, Fair Value
Less Than Twelve Months	2,082,068	2,935,314
Twelve Months or More	3,073,871	462,192
U.S. Treasuries
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	6,778
Securities Available for Sale, Fair Value
Less Than Twelve Months	265,638
U.S. Government agencies
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	5,514	1,745
Twelve Months or More	24,273	882
Securities Held to Maturity, Fair Value
Less Than Twelve Months	78,833	86,168
Twelve Months or More	88,642	24,118
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	8,193	529
Twelve Months or More	18,691	1,236
Securities Available for Sale, Fair Value
Less Than Twelve Months	138,807	73,353
Twelve Months or More	80,281	23,763
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	65,181	18,768
Twelve Months or More	189,912	5,510
Securities Held to Maturity, Fair Value
Less Than Twelve Months	513,086	868,327
Twelve Months or More	823,467	184,819
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	42,767	17,381
Twelve Months or More	255,285	8,604
Securities Available for Sale, Fair Value
Less Than Twelve Months	459,773	1,274,934
Twelve Months or More	1,238,580	221,435
Residential collateralized mortgage-obligations issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	30,284	4,937
Twelve Months or More	39,380
Securities Held to Maturity, Fair Value
Less Than Twelve Months	277,868	169,240
Twelve Months or More	127,128
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	21,450	10,911
Twelve Months or More	85,842
Securities Available for Sale, Fair Value
Less Than Twelve Months	274,082	432,300
Twelve Months or More	326,963
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months	14,318	4,902
Twelve Months or More	51,986	3,119
Securities Held to Maturity, Fair Value
Less Than Twelve Months	82,895	154,963
Twelve Months or More	213,387	75,450
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	17,156	13,120
Twelve Months or More	181,688	5,310
Securities Available for Sale, Fair Value
Less Than Twelve Months	206,228	846,581
Twelve Months or More	767,002	98,106
State and municipal obligations
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	97,084	1,867
Twelve Months or More	108,799	352
Securities Available for Sale, Fair Value
Less Than Twelve Months	616,631	123,987
Twelve Months or More	391,848	8,579
Small Business Administration loan-backed securities
Securities Held to Maturity, Gross Unrealized Losses
Less Than Twelve Months		1,281
Twelve Months or More	12,225	1,011
Securities Held to Maturity, Fair Value
Less Than Twelve Months		37,408
Twelve Months or More	44,862	22,890
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	2,152	2,720
Twelve Months or More	44,543	1,759
Securities Available for Sale, Fair Value
Less Than Twelve Months	92,535	179,168
Twelve Months or More	264,933	110,309
Corporate securities.
Securities Available for Sale, Gross Unrealized Losses
Less Than Twelve Months	2,209	9
Twelve Months or More	736
Securities Available for Sale, Fair Value
Less Than Twelve Months	28,374	$ 4,991
Twelve Months or More	$ 4,264

Securities - Additional disclos

Securities - Additional disclosures (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Additional disclosures
Carrying value of investment securities pledged to secure public funds deposits and for other purposes required and permitted by law	$ 2,600,000	$ 2,100,000
Carrying amount of the securities pledged to collateralize repurchase agreements	8,189,780	7,173,947
Asset Pledged as Collateral [Member]
Additional disclosures
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 443,200	$ 471,300
Financing Receivable, Pledging Purpose [Extensible Enumeration]	Federal Funds Purchased	Federal Funds Purchased

Securities - Trading Securities

Securities - Trading Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Investment Securities
Trading securities	$ 31,263	$ 77,689
U.S. Government agencies
Investment Securities
Trading securities	11,190	5,154
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities		6,853
Other residential mortgage issued or guaranteed by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities		12,315
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Investment Securities
Trading securities	4,589	29,667
State and municipal obligations
Investment Securities
Trading securities	13,993	20,798
Other debt securities
Investment Securities
Trading securities	$ 1,491	$ 2,902

Securities - Net (losses) gains

Securities - Net (losses) gains on trading securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Securities
Net (losses) gains on sales transaction	$ (1,326)	$ 1,326	$ 1,184
Net mark to mark losses	(237)	(273)	(57)
Net gains (losses) gains on trading securities	$ (1,563)	$ 1,053	$ 1,127

Loans - Summary of loans (Detai

Loans - Summary of loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Summary of Loans
Total loans	$ 30,177,862	$ 23,928,166
Allowance for Credit Losses on Loans	(356,444)	(301,807)	$ (457,309)	$ (56,927)
Loans, net	29,821,418	23,626,359
Deferred costs	49,700	15,900
Unamortized Discounts	72,100	68,000
Construction and land development
Summary of Loans
Total loans	2,860,360	2,029,216
Commercial non-owner occupied
Summary of Loans
Total loans	8,072,959	6,735,699
Consumer Owner Occupied Loans
Summary of Loans
Total loans	5,162,042	3,638,364
Home equity loans
Summary of Loans
Total loans	1,313,168	1,168,594
Commercial owner occupied real estate loan
Summary of Loans
Total loans	5,460,193	4,970,116
Commercial and industrial
Summary of Loans
Total loans	5,313,483	3,761,133
Other income producing property
Summary of Loans
Total loans	696,242	696,804
Consumer loans
Summary of Loans
Total loans	1,278,426	904,657
Other loans
Summary of Loans
Total loans	20,989	23,583
Commercial loans
Summary of Loans
Total loans	21,430,337	17,476,982
Commercial loans \| Construction and land development
Summary of Loans
Total loans	1,956,300	1,342,755
Commercial loans \| Commercial non-owner occupied
Summary of Loans
Total loans	8,072,959	6,735,699
Commercial loans \| Commercial non-owner occupied real estate.
Summary of Loans
Total loans	5,460,193	4,970,116
Commercial loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	30,741	30,043
Commercial loans \| Commercial owner occupied real estate loan
Summary of Loans
Total loans	5,460,193	4,970,116
Commercial loans \| Commercial and industrial
Summary of Loans
Total loans	5,313,483	3,761,133
Commercial loans \| Other income producing property
Summary of Loans
Total loans	575,672	613,653
Commercial loans \| Other loans
Summary of Loans
Total loans	20,989	23,583
Consumer portfolio loans
Summary of Loans
Total loans	8,747,525	6,451,184
Consumer portfolio loans \| Construction and land development
Summary of Loans
Total loans	904,060	686,461
Consumer portfolio loans \| Consumer Owner Occupied Loans
Summary of Loans
Total loans	5,131,301	3,608,321
Consumer portfolio loans \| Home equity loans
Summary of Loans
Total loans	1,313,168	1,168,594
Consumer portfolio loans \| Other income producing property
Summary of Loans
Total loans	120,570	83,151
Consumer portfolio loans \| Consumer loans
Summary of Loans
Total loans	$ 1,278,426	$ 904,657

Loans - Loans purchased through

Loans - Loans purchased through its acquisition of Atlantic Capital (Details) - Atlantic Capital $ in Thousands	Mar. 01, 2022 USD ($)
Business Acquisition [Line Items]
Book value of acquired loans at acquisition	$ 137,874
Allowance for credit losses at acquisition	(13,758)
Non-credit discount at acquisition	(5,943)
Carrying value or book value of acquired loans at acquisition	$ 118,173

Loans - Credit risk profile by

Loans - Credit risk profile by risk grade of commercial and consumer loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans
Amortized Cost Basis by Origination Year - 2022	$ 8,589,197	$ 6,913,060
Amortized Cost Basis by Origination Year - 2021	6,907,684	3,765,913
Amortized Cost Basis by Origination Year - 2020	3,112,648	3,187,599
Amortized Cost Basis by Origination Year - 2019	2,533,623	2,026,918
Amortized Cost Basis by Origination Year - 2018	1,539,466	1,575,244
Amortized Cost Basis by Origination Year - Prior	4,173,570	4,106,997
Amortized Cost Basis by Origination Year - Revolving	3,321,674	2,352,435
Total loans	30,177,862	23,928,166
30 days past due
Loans
Total loans	68,416	68,136
60 days past due
Loans
Total loans	31,607	33,250
90 days past due
Loans
Total loans	4,350	4,863
Construction and land development
Loans
Total loans	2,860,360	2,029,216
Construction and land development \| 30 days past due
Loans
Total loans	2,146	1,176
Construction and land development \| 60 days past due
Loans
Total loans	3,653	59
Construction and land development \| 90 days past due
Loans
Total loans		43
Commercial non-owner occupied
Loans
Total loans	8,072,959	6,735,699
Commercial non-owner occupied \| 30 days past due
Loans
Total loans	1,158	3,591
Commercial non-owner occupied \| 60 days past due
Loans
Total loans	978	2,110
Commercial non-owner occupied \| 90 days past due
Loans
Total loans	77	96
Commercial owner occupied real estate loan
Loans
Total loans	5,460,193	4,970,116
Commercial owner occupied real estate loan \| 30 days past due
Loans
Total loans	10,748	2,756
Commercial owner occupied real estate loan \| 60 days past due
Loans
Total loans	2,059	1,732
Commercial owner occupied real estate loan \| 90 days past due
Loans
Total loans	2,231	626
Commercial and industrial
Loans
Total loans	5,313,483	3,761,133
Commercial and industrial \| 30 days past due
Loans
Total loans	24,500	50,451
Commercial and industrial \| 60 days past due
Loans
Total loans	11,677	26,639
Commercial and industrial \| 90 days past due
Loans
Total loans	1,704	3,991
Other income producing property
Loans
Total loans	696,242	696,804
Other income producing property \| 30 days past due
Loans
Total loans	1,623	879
Other income producing property \| 60 days past due
Loans
Total loans	1,480	424
Other income producing property \| 90 days past due
Loans
Total loans	298	106
Consumer Owner Occupied Loans
Loans
Total loans	5,162,042	3,638,364
Consumer Owner Occupied Loans \| 30 days past due
Loans
Total loans	6,001	4,046
Consumer Owner Occupied Loans \| 60 days past due
Loans
Total loans	744	533
Consumer Owner Occupied Loans \| 90 days past due
Loans
Total loans	40
Home equity loans
Loans
Total loans	1,313,168	1,168,594
Home equity loans \| 30 days past due
Loans
Total loans	2,527	2,565
Home equity loans \| 60 days past due
Loans
Total loans	361	913
Consumer loans
Loans
Total loans	1,278,426	904,657
Consumer loans \| 30 days past due
Loans
Total loans	19,713	2,672
Consumer loans \| 60 days past due
Loans
Total loans	10,655	840
Consumer loans \| 90 days past due
Loans
Total loans		1
Other loans
Loans
Total loans	20,989	23,583
Commercial loans
Loans
Amortized Cost Basis by Origination Year - 2022	5,965,333	4,964,031
Amortized Cost Basis by Origination Year - 2021	4,853,572	2,667,731
Amortized Cost Basis by Origination Year - 2020	2,281,793	2,609,226
Amortized Cost Basis by Origination Year - 2019	2,112,230	1,688,003
Amortized Cost Basis by Origination Year - 2018	1,292,239	1,292,534
Amortized Cost Basis by Origination Year - Prior	3,156,201	3,053,699
Amortized Cost Basis by Origination Year - Revolving	1,768,969	1,201,758
Total loans	21,430,337	17,476,982
Commercial loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	5,911,188	4,896,878
Amortized Cost Basis by Origination Year - 2021	4,719,732	2,634,131
Amortized Cost Basis by Origination Year - 2020	2,245,766	2,497,592
Amortized Cost Basis by Origination Year - 2019	2,053,868	1,610,139
Amortized Cost Basis by Origination Year - 2018	1,227,113	1,182,529
Amortized Cost Basis by Origination Year - Prior	2,968,415	2,764,093
Amortized Cost Basis by Origination Year - Revolving	1,698,688	1,182,483
Total loans	20,824,770	16,767,845
Commercial loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	20,216	33,740
Amortized Cost Basis by Origination Year - 2021	35,235	23,859
Amortized Cost Basis by Origination Year - 2020	9,381	27,582
Amortized Cost Basis by Origination Year - 2019	21,567	49,316
Amortized Cost Basis by Origination Year - 2018	42,014	54,683
Amortized Cost Basis by Origination Year - Prior	73,870	178,307
Amortized Cost Basis by Origination Year - Revolving	33,035	4,307
Total loans	235,318	371,794
Commercial loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	33,528	33,412
Amortized Cost Basis by Origination Year - 2021	98,604	9,740
Amortized Cost Basis by Origination Year - 2020	26,645	84,047
Amortized Cost Basis by Origination Year - 2019	36,716	28,544
Amortized Cost Basis by Origination Year - 2018	22,956	55,320
Amortized Cost Basis by Origination Year - Prior	113,348	111,054
Amortized Cost Basis by Origination Year - Revolving	37,244	14,966
Total loans	369,041	337,083
Commercial loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022	401	1
Amortized Cost Basis by Origination Year - 2021	1	1
Amortized Cost Basis by Origination Year - 2020	1	5
Amortized Cost Basis by Origination Year - 2019	79	4
Amortized Cost Basis by Origination Year - 2018	156	2
Amortized Cost Basis by Origination Year - Prior	568	245
Amortized Cost Basis by Origination Year - Revolving	2	2
Total loans	1,208	260
Commercial loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2022	877,608	573,474
Amortized Cost Basis by Origination Year - 2021	754,382	363,765
Amortized Cost Basis by Origination Year - 2020	135,275	209,076
Amortized Cost Basis by Origination Year - 2019	65,841	39,192
Amortized Cost Basis by Origination Year - 2018	21,740	26,828
Amortized Cost Basis by Origination Year - Prior	35,798	53,253
Amortized Cost Basis by Origination Year - Revolving	65,656	77,167
Total loans	1,956,300	1,342,755
Commercial loans \| Construction and land development \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	875,751	570,166
Amortized Cost Basis by Origination Year - 2021	742,985	360,488
Amortized Cost Basis by Origination Year - 2020	134,996	206,586
Amortized Cost Basis by Origination Year - 2019	63,439	38,866
Amortized Cost Basis by Origination Year - 2018	14,521	24,728
Amortized Cost Basis by Origination Year - Prior	29,442	49,321
Amortized Cost Basis by Origination Year - Revolving	65,656	76,680
Total loans	1,926,790	1,326,835
Commercial loans \| Construction and land development \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	1,643	2,347
Amortized Cost Basis by Origination Year - 2021	988	3,067
Amortized Cost Basis by Origination Year - 2020	268	186
Amortized Cost Basis by Origination Year - 2019	76
Amortized Cost Basis by Origination Year - 2018	7,219	1,557
Amortized Cost Basis by Origination Year - Prior	2,068	1,715
Amortized Cost Basis by Origination Year - Revolving		487
Total loans	12,262	9,359
Commercial loans \| Construction and land development \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	214	960
Amortized Cost Basis by Origination Year - 2021	10,409	210
Amortized Cost Basis by Origination Year - 2020	11	2,304
Amortized Cost Basis by Origination Year - 2019	2,326	326
Amortized Cost Basis by Origination Year - 2018		543
Amortized Cost Basis by Origination Year - Prior	4,282	2,209
Total loans	17,242	6,552
Commercial loans \| Construction and land development \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022		1
Amortized Cost Basis by Origination Year - Prior	6	8
Total loans	6	9
Commercial loans \| Commercial non-owner occupied
Loans
Amortized Cost Basis by Origination Year - 2022	2,266,778	1,852,230
Amortized Cost Basis by Origination Year - 2021	1,878,862	811,316
Amortized Cost Basis by Origination Year - 2020	818,336	1,139,567
Amortized Cost Basis by Origination Year - 2019	980,205	737,024
Amortized Cost Basis by Origination Year - 2018	536,889	552,299
Amortized Cost Basis by Origination Year - Prior	1,475,873	1,538,361
Amortized Cost Basis by Origination Year - Revolving	116,016	104,902
Total loans	8,072,959	6,735,699
Commercial loans \| Commercial non-owner occupied \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	2,245,943	1,812,512
Amortized Cost Basis by Origination Year - 2021	1,849,079	798,171
Amortized Cost Basis by Origination Year - 2020	816,791	1,061,021
Amortized Cost Basis by Origination Year - 2019	959,707	676,803
Amortized Cost Basis by Origination Year - 2018	506,350	494,618
Amortized Cost Basis by Origination Year - Prior	1,417,397	1,371,729
Amortized Cost Basis by Origination Year - Revolving	108,759	102,763
Total loans	7,904,026	6,317,617
Commercial loans \| Commercial non-owner occupied \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	7,579	16,683
Amortized Cost Basis by Origination Year - 2021	4,225	12,985
Amortized Cost Basis by Origination Year - 2020	936	14,138
Amortized Cost Basis by Origination Year - 2019	11,036	36,875
Amortized Cost Basis by Origination Year - 2018	24,067	25,729
Amortized Cost Basis by Origination Year - Prior	32,110	110,109
Amortized Cost Basis by Origination Year - Revolving	5,000
Total loans	84,953	216,519
Commercial loans \| Commercial non-owner occupied \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	13,256	23,035
Amortized Cost Basis by Origination Year - 2021	25,557	160
Amortized Cost Basis by Origination Year - 2020	609	64,408
Amortized Cost Basis by Origination Year - 2019	9,383	23,346
Amortized Cost Basis by Origination Year - 2018	6,472	31,952
Amortized Cost Basis by Origination Year - Prior	26,366	56,477
Amortized Cost Basis by Origination Year - Revolving	2,257	2,139
Total loans	83,900	201,517
Commercial loans \| Commercial non-owner occupied \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021	1
Amortized Cost Basis by Origination Year - 2019	79
Amortized Cost Basis by Origination Year - Prior		46
Total loans	80	46
Commercial loans \| Commercial owner occupied real estate loan
Loans
Amortized Cost Basis by Origination Year - 2022	1,063,043	1,199,249
Amortized Cost Basis by Origination Year - 2021	1,195,762	787,504
Amortized Cost Basis by Origination Year - 2020	748,386	817,080
Amortized Cost Basis by Origination Year - 2019	734,105	562,555
Amortized Cost Basis by Origination Year - 2018	463,144	469,555
Amortized Cost Basis by Origination Year - Prior	1,178,058	1,064,239
Amortized Cost Basis by Origination Year - Revolving	77,695	69,934
Total loans	5,460,193	4,970,116
Commercial loans \| Commercial owner occupied real estate loan \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	1,046,562	1,182,722
Amortized Cost Basis by Origination Year - 2021	1,136,289	780,339
Amortized Cost Basis by Origination Year - 2020	725,040	801,162
Amortized Cost Basis by Origination Year - 2019	709,669	549,642
Amortized Cost Basis by Origination Year - 2018	446,497	428,163
Amortized Cost Basis by Origination Year - Prior	1,080,522	980,701
Amortized Cost Basis by Origination Year - Revolving	75,506	69,739
Total loans	5,220,085	4,792,468
Commercial loans \| Commercial owner occupied real estate loan \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	3,620	9,152
Amortized Cost Basis by Origination Year - 2021	25,263	4,257
Amortized Cost Basis by Origination Year - 2020	3,383	7,331
Amortized Cost Basis by Origination Year - 2019	7,934	10,860
Amortized Cost Basis by Origination Year - 2018	7,160	22,792
Amortized Cost Basis by Origination Year - Prior	34,724	49,083
Amortized Cost Basis by Origination Year - Revolving	1,294	115
Total loans	83,378	103,590
Commercial loans \| Commercial owner occupied real estate loan \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	12,861	7,375
Amortized Cost Basis by Origination Year - 2021	34,210	2,907
Amortized Cost Basis by Origination Year - 2020	19,962	8,587
Amortized Cost Basis by Origination Year - 2019	16,502	2,053
Amortized Cost Basis by Origination Year - 2018	9,487	18,600
Amortized Cost Basis by Origination Year - Prior	62,808	34,431
Amortized Cost Basis by Origination Year - Revolving	895	80
Total loans	156,725	74,033
Commercial loans \| Commercial owner occupied real estate loan \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2021		1
Amortized Cost Basis by Origination Year - 2020	1
Amortized Cost Basis by Origination Year - Prior	4	24
Total loans	5	25
Commercial loans \| Commercial and industrial
Loans
Amortized Cost Basis by Origination Year - 2022	1,578,396	1,202,346
Amortized Cost Basis by Origination Year - 2021	927,124	626,160
Amortized Cost Basis by Origination Year - 2020	514,826	371,202
Amortized Cost Basis by Origination Year - 2019	282,896	271,696
Amortized Cost Basis by Origination Year - 2018	222,838	185,202
Amortized Cost Basis by Origination Year - Prior	343,500	228,409
Amortized Cost Basis by Origination Year - Revolving	1,443,903	876,118
Total loans	5,313,483	3,761,133
Commercial loans \| Commercial and industrial \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	1,566,203	1,198,849
Amortized Cost Basis by Origination Year - 2021	895,368	618,676
Amortized Cost Basis by Origination Year - 2020	506,655	360,551
Amortized Cost Basis by Origination Year - 2019	274,446	267,772
Amortized Cost Basis by Origination Year - 2018	212,522	178,538
Amortized Cost Basis by Origination Year - Prior	333,286	219,339
Amortized Cost Basis by Origination Year - Revolving	1,386,678	860,134
Total loans	5,175,158	3,703,859
Commercial loans \| Commercial and industrial \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	5,885	2,759
Amortized Cost Basis by Origination Year - 2021	3,782	1,519
Amortized Cost Basis by Origination Year - 2020	3,401	2,434
Amortized Cost Basis by Origination Year - 2019	1,859	1,268
Amortized Cost Basis by Origination Year - 2018	3,378	3,224
Amortized Cost Basis by Origination Year - Prior	1,316	3,871
Amortized Cost Basis by Origination Year - Revolving	24,347	3,281
Total loans	43,968	18,356
Commercial loans \| Commercial and industrial \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	6,308	738
Amortized Cost Basis by Origination Year - 2021	27,974	5,965
Amortized Cost Basis by Origination Year - 2020	4,770	8,212
Amortized Cost Basis by Origination Year - 2019	6,591	2,653
Amortized Cost Basis by Origination Year - 2018	6,783	3,438
Amortized Cost Basis by Origination Year - Prior	8,476	5,183
Amortized Cost Basis by Origination Year - Revolving	32,876	12,701
Total loans	93,778	38,890
Commercial loans \| Commercial and industrial \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2020		5
Amortized Cost Basis by Origination Year - 2019		3
Amortized Cost Basis by Origination Year - 2018	155	2
Amortized Cost Basis by Origination Year - Prior	422	16
Amortized Cost Basis by Origination Year - Revolving	2	2
Total loans	579	28
Commercial loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2022	152,022	108,417
Amortized Cost Basis by Origination Year - 2021	94,203	75,916
Amortized Cost Basis by Origination Year - 2020	63,011	68,534
Amortized Cost Basis by Origination Year - 2019	46,867	77,369
Amortized Cost Basis by Origination Year - 2018	47,559	58,511
Amortized Cost Basis by Origination Year - Prior	122,438	168,246
Amortized Cost Basis by Origination Year - Revolving	49,572	56,660
Total loans	575,672	613,653
Commercial loans \| Other income producing property \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	149,793	105,533
Amortized Cost Basis by Origination Year - 2021	92,887	73,583
Amortized Cost Basis by Origination Year - 2020	60,473	67,173
Amortized Cost Basis by Origination Year - 2019	46,189	76,971
Amortized Cost Basis by Origination Year - 2018	47,155	56,343
Amortized Cost Basis by Origination Year - Prior	107,436	142,183
Amortized Cost Basis by Origination Year - Revolving	46,179	56,190
Total loans	550,112	577,976
Commercial loans \| Other income producing property \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	952	1,580
Amortized Cost Basis by Origination Year - 2021	957	1,851
Amortized Cost Basis by Origination Year - 2020	1,257	1,063
Amortized Cost Basis by Origination Year - 2019	378	232
Amortized Cost Basis by Origination Year - 2018	190	1,381
Amortized Cost Basis by Origination Year - Prior	3,652	13,526
Amortized Cost Basis by Origination Year - Revolving	2,328	424
Total loans	9,714	20,057
Commercial loans \| Other income producing property \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	876	1,304
Amortized Cost Basis by Origination Year - 2021	359	482
Amortized Cost Basis by Origination Year - 2020	1,281	298
Amortized Cost Basis by Origination Year - 2019	300	166
Amortized Cost Basis by Origination Year - 2018	214	787
Amortized Cost Basis by Origination Year - Prior	11,214	12,531
Amortized Cost Basis by Origination Year - Revolving	1,065	46
Total loans	15,309	15,614
Commercial loans \| Other income producing property \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2022	401
Amortized Cost Basis by Origination Year - Prior	136	6
Total loans	537	6
Commercial loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2022	6,497	4,732
Amortized Cost Basis by Origination Year - 2021	3,239	3,070
Amortized Cost Basis by Origination Year - 2020	1,959	3,767
Amortized Cost Basis by Origination Year - 2019	2,316	167
Amortized Cost Basis by Origination Year - 2018	69	139
Amortized Cost Basis by Origination Year - Prior	534	1,191
Amortized Cost Basis by Origination Year - Revolving	16,127	16,977
Total loans	30,741	30,043
Commercial loans \| Consumer Owner Occupied Loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	5,947	3,513
Amortized Cost Basis by Origination Year - 2021	3,124	2,874
Amortized Cost Basis by Origination Year - 2020	1,811	1,099
Amortized Cost Basis by Origination Year - 2019	418	85
Amortized Cost Basis by Origination Year - 2018	68	139
Amortized Cost Basis by Origination Year - Prior	332	820
Amortized Cost Basis by Origination Year - Revolving	15,910	16,977
Total loans	27,610	25,507
Commercial loans \| Consumer Owner Occupied Loans \| Special mention
Loans
Amortized Cost Basis by Origination Year - 2022	537	1,219
Amortized Cost Basis by Origination Year - 2021	20	180
Amortized Cost Basis by Origination Year - 2020	136	2,430
Amortized Cost Basis by Origination Year - 2019	284	81
Amortized Cost Basis by Origination Year - Prior		3
Amortized Cost Basis by Origination Year - Revolving	66
Total loans	1,043	3,913
Commercial loans \| Consumer Owner Occupied Loans \| Substandard
Loans
Amortized Cost Basis by Origination Year - 2022	13
Amortized Cost Basis by Origination Year - 2021	95	16
Amortized Cost Basis by Origination Year - 2020	12	238
Amortized Cost Basis by Origination Year - 2019	1,614
Amortized Cost Basis by Origination Year - Prior	202	223
Amortized Cost Basis by Origination Year - Revolving	151
Total loans	2,087	477
Commercial loans \| Consumer Owner Occupied Loans \| Doubtful
Loans
Amortized Cost Basis by Origination Year - 2019		1
Amortized Cost Basis by Origination Year - 2018	1
Amortized Cost Basis by Origination Year - Prior		145
Total loans	1	146
Commercial loans \| Other loans
Loans
Amortized Cost Basis by Origination Year - 2022	20,989	23,583
Total loans	20,989	23,583
Commercial loans \| Other loans \| Pass
Loans
Amortized Cost Basis by Origination Year - 2022	20,989	23,583
Total loans	20,989	23,583
Consumer portfolio loans
Loans
Amortized Cost Basis by Origination Year - 2022	2,623,864	1,949,029
Amortized Cost Basis by Origination Year - 2021	2,054,112	1,098,182
Amortized Cost Basis by Origination Year - 2020	830,855	578,373
Amortized Cost Basis by Origination Year - 2019	421,393	338,915
Amortized Cost Basis by Origination Year - 2018	247,227	282,710
Amortized Cost Basis by Origination Year - Prior	1,017,369	1,053,298
Amortized Cost Basis by Origination Year - Revolving	1,552,705	1,150,677
Total loans	8,747,525	6,451,184
Consumer portfolio loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	2,621,392	1,947,911
Amortized Cost Basis by Origination Year - 2021	2,051,220	1,095,907
Amortized Cost Basis by Origination Year - 2020	826,906	576,511
Amortized Cost Basis by Origination Year - 2019	419,742	336,965
Amortized Cost Basis by Origination Year - 2018	245,166	280,960
Amortized Cost Basis by Origination Year - Prior	1,005,834	1,039,029
Amortized Cost Basis by Origination Year - Revolving	1,522,165	1,147,334
Total loans	8,692,425	6,424,617
Consumer portfolio loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	2,036	589
Amortized Cost Basis by Origination Year - 2021	1,448	1,103
Amortized Cost Basis by Origination Year - 2020	1,914	510
Amortized Cost Basis by Origination Year - 2019	972	734
Amortized Cost Basis by Origination Year - 2018	776	1,224
Amortized Cost Basis by Origination Year - Prior	3,810	4,381
Amortized Cost Basis by Origination Year - Revolving	19,057	2,337
Total loans	30,013	10,878
Consumer portfolio loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	310	145
Amortized Cost Basis by Origination Year - 2021	440	412
Amortized Cost Basis by Origination Year - 2020	705	308
Amortized Cost Basis by Origination Year - 2019	72	378
Amortized Cost Basis by Origination Year - 2018	456	201
Amortized Cost Basis by Origination Year - Prior	2,256	2,357
Amortized Cost Basis by Origination Year - Revolving	10,376	356
Total loans	14,615	4,157
Consumer portfolio loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	126	384
Amortized Cost Basis by Origination Year - 2021	1,004	760
Amortized Cost Basis by Origination Year - 2020	1,330	1,044
Amortized Cost Basis by Origination Year - 2019	607	838
Amortized Cost Basis by Origination Year - 2018	829	325
Amortized Cost Basis by Origination Year - Prior	5,469	7,531
Amortized Cost Basis by Origination Year - Revolving	1,107	650
Total loans	10,472	11,532
Consumer portfolio loans \| Construction and land development
Loans
Amortized Cost Basis by Origination Year - 2022	466,477	411,728
Amortized Cost Basis by Origination Year - 2021	351,485	204,392
Amortized Cost Basis by Origination Year - 2020	50,908	33,965
Amortized Cost Basis by Origination Year - 2019	14,110	13,429
Amortized Cost Basis by Origination Year - 2018	7,029	8,484
Amortized Cost Basis by Origination Year - Prior	13,672	14,301
Amortized Cost Basis by Origination Year - Revolving	379	162
Total loans	904,060	686,461
Consumer portfolio loans \| Construction and land development \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	466,475	411,728
Amortized Cost Basis by Origination Year - 2021	351,485	204,368
Amortized Cost Basis by Origination Year - 2020	50,472	33,965
Amortized Cost Basis by Origination Year - 2019	14,053	13,429
Amortized Cost Basis by Origination Year - 2018	7,006	8,484
Amortized Cost Basis by Origination Year - Prior	13,588	14,185
Amortized Cost Basis by Origination Year - Revolving	379	162
Total loans	903,458	686,321
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	2
Amortized Cost Basis by Origination Year - 2021		24
Amortized Cost Basis by Origination Year - 2019	57
Amortized Cost Basis by Origination Year - 2018	23
Amortized Cost Basis by Origination Year - Prior	43
Total loans	125	24
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior		12
Total loans		12
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2020	436
Amortized Cost Basis by Origination Year - Prior	41	104
Total loans	477	104
Consumer portfolio loans \| Other income producing property
Loans
Amortized Cost Basis by Origination Year - 2022	45,717	22,131
Amortized Cost Basis by Origination Year - 2021	21,421	5,620
Amortized Cost Basis by Origination Year - 2020	4,937	4,906
Amortized Cost Basis by Origination Year - 2019	2,663	4,977
Amortized Cost Basis by Origination Year - 2018	4,322	6,303
Amortized Cost Basis by Origination Year - Prior	40,886	37,835
Amortized Cost Basis by Origination Year - Revolving	624	1,379
Total loans	120,570	83,151
Consumer portfolio loans \| Other income producing property \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	45,717	22,131
Amortized Cost Basis by Origination Year - 2021	21,421	5,620
Amortized Cost Basis by Origination Year - 2020	4,937	4,906
Amortized Cost Basis by Origination Year - 2019	2,663	4,977
Amortized Cost Basis by Origination Year - 2018	4,322	6,303
Amortized Cost Basis by Origination Year - Prior	40,680	37,575
Amortized Cost Basis by Origination Year - Revolving	624	1,379
Total loans	120,364	82,891
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	62	90
Total loans	62	90
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	23	156
Total loans	23	156
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - Prior	121	14
Total loans	121	14
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans
Amortized Cost Basis by Origination Year - 2022	1,697,025	1,193,038
Amortized Cost Basis by Origination Year - 2021	1,469,615	712,398
Amortized Cost Basis by Origination Year - 2020	660,041	406,281
Amortized Cost Basis by Origination Year - 2019	316,576	247,762
Amortized Cost Basis by Origination Year - 2018	188,758	230,329
Amortized Cost Basis by Origination Year - Prior	799,286	818,509
Amortized Cost Basis by Origination Year - Revolving		4
Total loans	5,131,301	3,608,321
Consumer portfolio loans \| Consumer Owner Occupied Loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	1,695,454	1,192,449
Amortized Cost Basis by Origination Year - 2021	1,467,080	710,828
Amortized Cost Basis by Origination Year - 2020	657,005	405,138
Amortized Cost Basis by Origination Year - 2019	315,458	246,487
Amortized Cost Basis by Origination Year - 2018	187,580	228,876
Amortized Cost Basis by Origination Year - Prior	792,572	810,605
Amortized Cost Basis by Origination Year - Revolving		4
Total loans	5,115,149	3,594,387
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	1,316	354
Amortized Cost Basis by Origination Year - 2021	1,254	666
Amortized Cost Basis by Origination Year - 2020	1,681	234
Amortized Cost Basis by Origination Year - 2019	664	472
Amortized Cost Basis by Origination Year - 2018	272	1,068
Amortized Cost Basis by Origination Year - Prior	2,028	2,230
Total loans	7,215	5,024
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	255
Amortized Cost Basis by Origination Year - 2021	337	330
Amortized Cost Basis by Origination Year - 2020	579	218
Amortized Cost Basis by Origination Year - 2019		254
Amortized Cost Basis by Origination Year - 2018	242	111
Amortized Cost Basis by Origination Year - Prior	1,650	928
Total loans	3,063	1,841
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		235
Amortized Cost Basis by Origination Year - 2021	944	574
Amortized Cost Basis by Origination Year - 2020	776	691
Amortized Cost Basis by Origination Year - 2019	454	549
Amortized Cost Basis by Origination Year - 2018	664	274
Amortized Cost Basis by Origination Year - Prior	3,036	4,746
Total loans	5,874	7,069
Consumer portfolio loans \| Home equity loans
Loans
Amortized Cost Basis by Origination Year - 2022	5,921	7,209
Amortized Cost Basis by Origination Year - 2021	5,231	5,762
Amortized Cost Basis by Origination Year - 2020	3,516	4,985
Amortized Cost Basis by Origination Year - 2019	1,760	2,431
Amortized Cost Basis by Origination Year - 2018	2,443	1,039
Amortized Cost Basis by Origination Year - Prior	19,000	27,358
Amortized Cost Basis by Origination Year - Revolving	1,275,297	1,119,810
Total loans	1,313,168	1,168,594
Consumer portfolio loans \| Home equity loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	5,921	7,128
Amortized Cost Basis by Origination Year - 2021	5,231	5,648
Amortized Cost Basis by Origination Year - 2020	3,282	4,745
Amortized Cost Basis by Origination Year - 2019	1,560	2,180
Amortized Cost Basis by Origination Year - 2018	1,955	993
Amortized Cost Basis by Origination Year - Prior	17,941	24,716
Amortized Cost Basis by Origination Year - Revolving	1,272,848	1,116,621
Total loans	1,308,738	1,162,031
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		6
Amortized Cost Basis by Origination Year - 2021		49
Amortized Cost Basis by Origination Year - 2020	155	68
Amortized Cost Basis by Origination Year - 2019	77	71
Amortized Cost Basis by Origination Year - 2018	418	24
Amortized Cost Basis by Origination Year - Prior	422	491
Amortized Cost Basis by Origination Year - Revolving	1,586	2,200
Total loans	2,658	2,909
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2020	19
Amortized Cost Basis by Origination Year - 2019	36
Amortized Cost Basis by Origination Year - 2018	70
Amortized Cost Basis by Origination Year - Prior	26	603
Amortized Cost Basis by Origination Year - Revolving	540	339
Total loans	691	942
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022		75
Amortized Cost Basis by Origination Year - 2021		65
Amortized Cost Basis by Origination Year - 2020	60	172
Amortized Cost Basis by Origination Year - 2019	87	180
Amortized Cost Basis by Origination Year - 2018		22
Amortized Cost Basis by Origination Year - Prior	611	1,548
Amortized Cost Basis by Origination Year - Revolving	323	650
Total loans	1,081	2,712
Consumer portfolio loans \| Consumer loans
Loans
Amortized Cost Basis by Origination Year - 2022	408,724	299,227
Amortized Cost Basis by Origination Year - 2021	206,360	170,010
Amortized Cost Basis by Origination Year - 2020	111,453	128,236
Amortized Cost Basis by Origination Year - 2019	86,284	70,316
Amortized Cost Basis by Origination Year - 2018	44,675	36,555
Amortized Cost Basis by Origination Year - Prior	144,525	155,295
Amortized Cost Basis by Origination Year - Revolving	276,405	45,018
Total loans	1,278,426	904,657
Consumer portfolio loans \| Consumer loans \| Current due
Loans
Amortized Cost Basis by Origination Year - 2022	407,825	298,779
Amortized Cost Basis by Origination Year - 2021	206,003	169,443
Amortized Cost Basis by Origination Year - 2020	111,210	127,757
Amortized Cost Basis by Origination Year - 2019	86,008	69,892
Amortized Cost Basis by Origination Year - 2018	44,303	36,304
Amortized Cost Basis by Origination Year - Prior	141,053	151,948
Amortized Cost Basis by Origination Year - Revolving	248,314	44,864
Total loans	1,244,716	898,987
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	718	229
Amortized Cost Basis by Origination Year - 2021	194	364
Amortized Cost Basis by Origination Year - 2020	78	208
Amortized Cost Basis by Origination Year - 2019	174	191
Amortized Cost Basis by Origination Year - 2018	63	132
Amortized Cost Basis by Origination Year - Prior	1,255	1,570
Amortized Cost Basis by Origination Year - Revolving	17,471	137
Total loans	19,953	2,831
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	55	145
Amortized Cost Basis by Origination Year - 2021	103	82
Amortized Cost Basis by Origination Year - 2020	107	90
Amortized Cost Basis by Origination Year - 2019	36	124
Amortized Cost Basis by Origination Year - 2018	144	90
Amortized Cost Basis by Origination Year - Prior	557	658
Amortized Cost Basis by Origination Year - Revolving	9,836	17
Total loans	10,838	1,206
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans
Amortized Cost Basis by Origination Year - 2022	126	74
Amortized Cost Basis by Origination Year - 2021	60	121
Amortized Cost Basis by Origination Year - 2020	58	181
Amortized Cost Basis by Origination Year - 2019	66	109
Amortized Cost Basis by Origination Year - 2018	165	29
Amortized Cost Basis by Origination Year - Prior	1,660	1,119
Amortized Cost Basis by Origination Year - Revolving	784
Total loans	$ 2,919	$ 1,633

Loans - Aging analysis of past

Loans - Aging analysis of past due loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans and Allowance for Loan Losses
Non-Accruing	$ 104,225	$ 75,418
Total loans	30,177,862	23,928,166
30 days past due
Loans and Allowance for Loan Losses
Total loans	68,416	68,136
60 days past due
Loans and Allowance for Loan Losses
Total loans	31,607	33,250
90 days past due
Loans and Allowance for Loan Losses
Total loans	4,350	4,863
Total Past Due
Loans and Allowance for Loan Losses
Total loans	104,373	106,249
Current
Loans and Allowance for Loan Losses
Total loans	29,969,264	23,746,499
Non-acquired loans
Loans and Allowance for Loan Losses
Total loans	22,805,039	16,050,775
Construction and land development
Loans and Allowance for Loan Losses
Non-Accruing	827	1,567
Total loans	2,860,360	2,029,216
Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	2,146	1,176
Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	3,653	59
Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		43
Construction and land development \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	5,799	1,278
Construction and land development \| Current
Loans and Allowance for Loan Losses
Total loans	2,853,734	2,026,371
Commercial non-owner occupied
Loans and Allowance for Loan Losses
Non-Accruing	20,425	19,909
Total loans	8,072,959	6,735,699
Commercial non-owner occupied \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,158	3,591
Commercial non-owner occupied \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	978	2,110
Commercial non-owner occupied \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	77	96
Commercial non-owner occupied \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	2,213	5,797
Commercial non-owner occupied \| Current
Loans and Allowance for Loan Losses
Total loans	8,050,321	6,709,993
Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Non-Accruing	35,089	14,532
Total loans	5,460,193	4,970,116
Commercial owner occupied real estate loan \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	10,748	2,756
Commercial owner occupied real estate loan \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	2,059	1,732
Commercial owner occupied real estate loan \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	2,231	626
Commercial owner occupied real estate loan \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	15,038	5,114
Commercial owner occupied real estate loan \| Current
Loans and Allowance for Loan Losses
Total loans	5,410,066	4,950,470
Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Non-Accruing	17,307	18,183
Total loans	5,162,042	3,638,364
Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	6,001	4,046
Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	744	533
Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	40
Consumer Owner Occupied Loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	6,785	4,579
Consumer Owner Occupied Loans \| Current
Loans and Allowance for Loan Losses
Total loans	5,137,950	3,615,602
Home equity loans
Loans and Allowance for Loan Losses
Non-Accruing	6,316	6,255
Total loans	1,313,168	1,168,594
Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	2,527	2,565
Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	361	913
Home equity loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	2,888	3,478
Home equity loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,303,964	1,158,861
Commercial and industrial
Loans and Allowance for Loan Losses
Non-Accruing	17,129	7,441
Total loans	5,313,483	3,761,133
Commercial and industrial \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	24,500	50,451
Commercial and industrial \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	11,677	26,639
Commercial and industrial \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,704	3,991
Commercial and industrial \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	37,881	81,081
Commercial and industrial \| Current
Loans and Allowance for Loan Losses
Total loans	5,258,473	3,672,611
Other income producing property
Loans and Allowance for Loan Losses
Non-Accruing	2,734	4,075
Total loans	696,242	696,804
Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	1,623	879
Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	1,480	424
Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	298	106
Other income producing property \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	3,401	1,409
Other income producing property \| Current
Loans and Allowance for Loan Losses
Total loans	690,107	691,320
Consumer loans
Loans and Allowance for Loan Losses
Non-Accruing	4,398	3,456
Total loans	1,278,426	904,657
Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	19,713	2,672
Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	10,655	840
Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans		1
Consumer loans \| Total Past Due
Loans and Allowance for Loan Losses
Total loans	30,368	3,513
Consumer loans \| Current
Loans and Allowance for Loan Losses
Total loans	1,243,660	897,688
Other loans
Loans and Allowance for Loan Losses
Total loans	20,989	23,583
Other loans \| Current
Loans and Allowance for Loan Losses
Total loans	20,989	23,583
Commercial loans
Loans and Allowance for Loan Losses
Total loans	21,430,337	17,476,982
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	1,956,300	1,342,755
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans	8,072,959	6,735,699
Commercial loans \| Commercial owner occupied real estate loan
Loans and Allowance for Loan Losses
Total loans	5,460,193	4,970,116
Commercial loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	30,741	30,043
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans	5,313,483	3,761,133
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	575,672	613,653
Commercial loans \| Other loans
Loans and Allowance for Loan Losses
Total loans	20,989	23,583
Consumer portfolio loans
Loans and Allowance for Loan Losses
Total loans	8,747,525	6,451,184
Consumer portfolio loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	30,013	10,878
Consumer portfolio loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	14,615	4,157
Consumer portfolio loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	10,472	11,532
Consumer portfolio loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans	904,060	686,461
Consumer portfolio loans \| Construction and land development \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	125	24
Consumer portfolio loans \| Construction and land development \| 60 days past due
Loans and Allowance for Loan Losses
Total loans		12
Consumer portfolio loans \| Construction and land development \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	477	104
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans	5,131,301	3,608,321
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	7,215	5,024
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	3,063	1,841
Consumer portfolio loans \| Consumer Owner Occupied Loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	5,874	7,069
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans	1,313,168	1,168,594
Consumer portfolio loans \| Home equity loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	2,658	2,909
Consumer portfolio loans \| Home equity loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	691	942
Consumer portfolio loans \| Home equity loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	1,081	2,712
Consumer portfolio loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans	120,570	83,151
Consumer portfolio loans \| Other income producing property \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	62	90
Consumer portfolio loans \| Other income producing property \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	23	156
Consumer portfolio loans \| Other income producing property \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	121	14
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans	1,278,426	904,657
Consumer portfolio loans \| Consumer loans \| 30 days past due
Loans and Allowance for Loan Losses
Total loans	19,953	2,831
Consumer portfolio loans \| Consumer loans \| 60 days past due
Loans and Allowance for Loan Losses
Total loans	10,838	1,206
Consumer portfolio loans \| Consumer loans \| 90 days past due
Loans and Allowance for Loan Losses
Total loans	$ 2,919	$ 1,633

Loans - Nonaccrual loans (Detai

Loans - Nonaccrual loans (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 104,225	$ 75,418
Greater than 90 Days Accruing	4,350
Non-accrual with no allowance	28,115
Commercial loans \| Construction and land development
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	827	1,567
Non-accrual with no allowance	10
Commercial loans \| Commercial non-owner occupied
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	20,425	19,909
Greater than 90 Days Accruing	77
Non-accrual with no allowance	6,976
Commercial loans \| Commercial non-owner occupied real estate.
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	35,089	14,532
Greater than 90 Days Accruing	2,231
Non-accrual with no allowance	14,638
Commercial loans \| Commercial and industrial
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	17,129	7,441
Greater than 90 Days Accruing	1,704
Non-accrual with no allowance	4,912
Commercial loans \| Other income producing property
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	2,734	4,075
Greater than 90 Days Accruing	298
Consumer portfolio loans \| Consumer Owner Occupied Loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	17,307	18,183
Greater than 90 Days Accruing	40
Non-accrual with no allowance	11
Consumer portfolio loans \| Home equity loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	6,316	6,255
Non-accrual with no allowance	1,568
Consumer portfolio loans \| Consumer loans
Loans and Allowance for Loan Losses
Total loans on nonaccrual status	$ 4,398	$ 3,456

Loans - Collateral Dependent Lo

Loans - Collateral Dependent Loans (Details) - USD ($)	12 Months Ended
Loans - Collateral Dependent Loans (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2020	Mar. 31, 2020
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 27,419,000	$ 15,380,000
Collateral Coverage	$ 57,062,000	28,238,000
Loans individually evaluated for impairment			$ 1,000,000	$ 500,000
Increase in overall collateral dependent loans		12,000,000
Number of months generally required to return to accruing status	6 months
Commercial non-owner occupied \| Hotel
Loans and Allowance for Loan Losses
Collateral dependent loans		1,822,000
Collateral Coverage		$ 4,100,000
Collateral Coverage (as a percent)		225%
Commercial non-owner occupied \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 6,450,000	$ 6,949,000
Collateral Coverage	$ 10,900,000	$ 9,630,000
Collateral Coverage (as a percent)	169%	139%
Commercial owner occupied real estate loan \| Church
Loans and Allowance for Loan Losses
Collateral dependent loans		$ 1,953,000
Collateral Coverage		$ 2,308,000
Collateral Coverage (as a percent)		118%
Commercial owner occupied real estate loan \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 14,638,000	$ 4,656,000
Collateral Coverage	$ 38,900,000	$ 12,200,000
Collateral Coverage (as a percent)	266%	262%
Commercial and industrial \| Other
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 4,808,000
Collateral Coverage	$ 5,591,000
Collateral Coverage (as a percent)	116%
Home equity loans \| Residential 1-4 family dwelling
Loans and Allowance for Loan Losses
Collateral dependent loans	$ 1,523,000
Collateral Coverage	$ 1,671,000
Collateral Coverage (as a percent)	110%

Loans - Loans Designated as TDR

Loans - Loans Designated as TDRs (Details)	12 Months Ended
Loans - Loans Designated as TDRs (Details)	Dec. 31, 2022 USD ($) loan	Dec. 31, 2021 USD ($) loan
Allowance for Credit Losses
Number of loans \| loan	24	5
Pre-Modification Amortized Cost	$ 13,032,000	$ 869,000
Post-Modification Amortized Cost	13,032,000	869,000
Balance of accruing TDRs	13,500,000	11,200,000
Remaining availability under commitments to lend additional funds on restructured loans	582,000	537,000
Specific reserve associated with restructured loans that subsequently defaulted	$ 14,700,000	$ 2,500,000
Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	16	3
Pre-Modification Amortized Cost	$ 8,051,000	$ 515,000
Post-Modification Amortized Cost	$ 8,051,000	$ 515,000
Term modification
Allowance for Credit Losses
Number of loans \| loan	8	2
Pre-Modification Amortized Cost	$ 4,981,000	$ 354,000
Post-Modification Amortized Cost	$ 4,981,000	$ 354,000
Construction and land development \| Term modification
Allowance for Credit Losses
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 129,000
Post-Modification Amortized Cost	$ 129,000
Commercial non-owner occupied \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	5
Pre-Modification Amortized Cost	$ 3,643,000
Post-Modification Amortized Cost	$ 3,643,000
Commercial non-owner occupied \| Term modification
Allowance for Credit Losses
Number of loans \| loan	1	1
Pre-Modification Amortized Cost	$ 367,000	$ 316,000
Post-Modification Amortized Cost	$ 367,000	$ 316,000
Commercial owner occupied real estate loan \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	5	1
Pre-Modification Amortized Cost	$ 3,937,000	$ 276,000
Post-Modification Amortized Cost	$ 3,937,000	$ 276,000
Commercial owner occupied real estate loan \| Term modification
Allowance for Credit Losses
Number of loans \| loan	3
Pre-Modification Amortized Cost	$ 1,426,000
Post-Modification Amortized Cost	$ 1,426,000
Consumer Owner Occupied Loans \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	1
Pre-Modification Amortized Cost	$ 95,000
Post-Modification Amortized Cost	$ 95,000
Commercial and industrial \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	4	1
Pre-Modification Amortized Cost	$ 305,000	$ 33,000
Post-Modification Amortized Cost	$ 305,000	$ 33,000
Commercial and industrial \| Term modification
Allowance for Credit Losses
Number of loans \| loan	3	1
Pre-Modification Amortized Cost	$ 3,059,000	$ 38,000
Post-Modification Amortized Cost	$ 3,059,000	$ 38,000
Other income producing property \| Interest rate modification
Allowance for Credit Losses
Number of loans \| loan	1	1
Pre-Modification Amortized Cost	$ 71,000	$ 206,000
Post-Modification Amortized Cost	$ 71,000	$ 206,000

Loans - Changes in Status of Lo

Loans - Changes in Status of Loans (Details) $ in Thousands	12 Months Ended
Loans - Changes in Status of Loans (Details) $ in Thousands	Dec. 31, 2022 USD ($) loan
Allowance for Credit Losses
Paying under restructured terms - Number of Loans \| loan	21
Paying under restructured terms - Amortized Cost \| $	$ 11,951
Foreclosures and Defaults - Number of Loans \| loan	3
Foreclosures and Defaults - Amortized Cost \| $	$ 1,081
Interest rate modification
Allowance for Credit Losses
Paying under restructured terms - Number of Loans \| loan	16
Paying under restructured terms - Amortized Cost \| $	$ 8,051
Term modification
Allowance for Credit Losses
Paying under restructured terms - Number of Loans \| loan	5
Paying under restructured terms - Amortized Cost \| $	$ 3,900
Foreclosures and Defaults - Number of Loans \| loan	3
Foreclosures and Defaults - Amortized Cost \| $	$ 1,081

Allowance for Credit Losses (_3

Allowance for Credit Losses (ACL) - Disaggregated analysis of the changes in allowance for credit losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Allowance for credit losses
Balance at beginning of period	$ 301,807	$ 457,309	$ 56,927
Charge-offs	(23,446)	(16,899)	(14,602)
Recoveries	19,173	13,800	11,777
Net (charge-offs) recoveries	(4,273)	(3,099)	(2,825)
Provision (recovery)	31,455	(152,403)	89,923
Balance at end of period	356,444	301,807	457,309
Quantitative allowance
Collectively evaluated	333,438	292,210	415,929
Individually evaluated	14,767	2,464	1,249
Total quantitative allowance	348,205	294,674	417,178
Qualitative allowance	8,239	7,133	40,131
Unfunded Commitment
Allowance for credit losses
Provision (recovery)	36,700	(12,900)	43,400
Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		149,404	3,408
Balance at end of period	13,758		149,404
Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	13,697
Adjustments
Allowance for credit losses
Balance at beginning of period			111,365
Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		109,442	51,030
Balance at end of period			109,442
Residential Mortgage Sr.
Allowance for credit losses
Balance at beginning of period	47,036	63,561	6,128
Charge-offs	(197)	(204)	(528)
Recoveries	1,233	1,547	1,143
Net (charge-offs) recoveries	1,036	1,343	615
Provision (recovery)	22,953	(17,868)	4,310
Balance at end of period	72,188	47,036	63,561
Quantitative allowance
Collectively evaluated	72,751	45,575	54,656
Individually evaluated	233	150	82
Total quantitative allowance	72,984	45,725	54,738
Qualitative allowance	(796)	1,311	8,823
Residential Mortgage Sr. \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		29,935	406
Balance at end of period	811		29,935
Residential Mortgage Sr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	352
Residential Mortgage Sr. \| Adjustments
Allowance for credit losses
Balance at beginning of period			11,989
Residential Mortgage Sr. \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		16,712	5,455
Balance at end of period			16,712
Residential Mortgage Jr.
Allowance for credit losses
Balance at beginning of period	611	1,238	15
Charge-offs	(19)		(24)
Recoveries	231	146	455
Net (charge-offs) recoveries	212	146	431
Provision (recovery)	(444)	(773)	(252)
Balance at end of period	405	611	1,238
Quantitative allowance
Collectively evaluated	406	611	1,238
Total quantitative allowance	406	611	1,238
Qualitative allowance	(1)
Residential Mortgage Jr. \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		804	3
Balance at end of period			804
Residential Mortgage Jr. \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	26
Residential Mortgage Jr. \| Adjustments
Allowance for credit losses
Balance at beginning of period			29
Residential Mortgage Jr. \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		226	11
Balance at end of period			226
HELOC
Allowance for credit losses
Balance at beginning of period	13,325	16,698	4,327
Charge-offs	(445)	(1,002)	(1,053)
Recoveries	3,981	2,256	1,251
Net (charge-offs) recoveries	3,536	1,254	198
Provision (recovery)	(2,107)	(4,627)	(1,311)
Balance at end of period	14,886	13,325	16,698
Quantitative allowance
Collectively evaluated	12,616	12,954	14,625
Individually evaluated	2,462	91	77
Total quantitative allowance	15,078	13,045	14,702
Qualitative allowance	(192)	280	1,996
HELOC \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		5,119	289
Balance at end of period			5,119
HELOC \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	132
HELOC \| Adjustments
Allowance for credit losses
Balance at beginning of period			8,465
HELOC \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		4,227	3,849
Balance at end of period			4,227
Residential Construction
Allowance for credit losses
Balance at beginning of period	4,997	4,914	815
Charge-offs	(21)	(29)	(32)
Recoveries	8	60	111
Net (charge-offs) recoveries	(13)	31	79
Provision (recovery)	3,988	52	(2,954)
Balance at end of period	8,974	4,997	4,914
Quantitative allowance
Collectively evaluated	8,800	4,989	4,733
Total quantitative allowance	8,800	4,989	4,733
Qualitative allowance	174	8	181
Residential Construction \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		1,302
Balance at end of period			1,302
Residential Construction \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	2
Residential Construction \| Adjustments
Allowance for credit losses
Balance at beginning of period			1,594
Residential Construction \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		4,893	779
Balance at end of period			4,893
Other C&D
Allowance for credit losses
Balance at beginning of period	37,593	67,197	6,211
Charge-offs	(4)	(87)	(347)
Recoveries	1,104	1,861	1,407
Net (charge-offs) recoveries	1,100	1,774	1,060
Provision (recovery)	4,744	(31,378)	40,279
Balance at end of period	45,410	37,593	67,197
Quantitative allowance
Collectively evaluated	44,748	37,159	67,188
Individually evaluated	286	434	9
Total quantitative allowance	45,034	37,593	67,197
Qualitative allowance	376
Other C&D \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		6,035	351
Balance at end of period	86		6,035
Other C&D \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	1,887
Other C&D \| Adjustments
Allowance for credit losses
Balance at beginning of period			12,150
Other C&D \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		7,673	5,588
Balance at end of period			7,673
Consumer
Allowance for credit losses
Balance at beginning of period	23,149	26,562	4,350
Charge-offs	(10,214)	(8,809)	(6,158)
Recoveries	2,426	2,075	1,922
Net (charge-offs) recoveries	(7,788)	(6,734)	(4,236)
Provision (recovery)	7,355	3,321	12,333
Balance at end of period	22,767	23,149	26,562
Quantitative allowance
Collectively evaluated	22,767	21,887	18,435
Individually evaluated			120
Total quantitative allowance	22,767	21,887	18,555
Qualitative allowance		1,262	8,007
Consumer \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		6,120	669
Balance at end of period			6,120
Consumer \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	51
Consumer \| Adjustments
Allowance for credit losses
Balance at beginning of period			8,509
Consumer \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		3,836	3,490
Balance at end of period			3,836
Multifamily
Allowance for credit losses
Balance at beginning of period	4,921	7,887	1,557
Recoveries		3	71
Net (charge-offs) recoveries		3	71
Provision (recovery)	(1,663)	(2,969)	2,657
Balance at end of period	3,684	4,921	7,887
Quantitative allowance
Collectively evaluated	3,545	4,921	7,887
Total quantitative allowance	3,545	4,921	7,887
Qualitative allowance	139
Multifamily \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		902	97
Balance at end of period			902
Multifamily \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	426
Multifamily \| Adjustments
Allowance for credit losses
Balance at beginning of period			3,045
Multifamily \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		1,212	1,391
Balance at end of period			1,212
Municipal
Allowance for credit losses
Balance at beginning of period	565	1,510	956
Provision (recovery)	284	(945)	(2,282)
Balance at end of period	849	565	1,510
Quantitative allowance
Collectively evaluated	706	565	685
Total quantitative allowance	706	565	685
Qualitative allowance	143		825
Municipal \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		1,003
Balance at end of period			1,003
Municipal \| Adjustments
Allowance for credit losses
Balance at beginning of period			1,870
Municipal \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		919	914
Balance at end of period			919
CRE Owner Occupied
Allowance for credit losses
Balance at beginning of period	61,794	97,104	10,879
Charge-offs	(1,976)	(2,052)	(1,205)
Recoveries	1,327	970	1,089
Net (charge-offs) recoveries	(649)	(1,082)	(116)
Provision (recovery)	(7,990)	(34,228)	16,468
Balance at end of period	58,083	61,794	97,104
Quantitative allowance
Collectively evaluated	48,740	60,353	91,106
Individually evaluated	7,829	590	948
Total quantitative allowance	56,569	60,943	92,054
Qualitative allowance	1,514	851	5,050
CRE Owner Occupied \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		34,077	898
Balance at end of period	2,409		34,077
CRE Owner Occupied \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	2,519
CRE Owner Occupied \| Adjustments
Allowance for credit losses
Balance at beginning of period			21,282
CRE Owner Occupied \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		25,393	9,505
Balance at end of period			25,393
Non Owner Occupied CRE
Allowance for credit losses
Balance at beginning of period	79,649	124,421	15,219
Charge-offs	(368)	(863)	(601)
Recoveries	581	1,070	518
Net (charge-offs) recoveries	213	207	(83)
Provision (recovery)	(4,074)	(44,979)	13,877
Balance at end of period	78,485	79,649	124,421
Quantitative allowance
Collectively evaluated	74,424	77,494	116,571
Individually evaluated	2,268	196	6
Total quantitative allowance	76,692	77,690	116,577
Qualitative allowance	1,793	1,959	7,844
Non Owner Occupied CRE \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		45,787	656
Balance at end of period			45,787
Non Owner Occupied CRE \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	2,697
Non Owner Occupied CRE \| Adjustments
Allowance for credit losses
Balance at beginning of period			29,773
Non Owner Occupied CRE \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		35,067	13,898
Balance at end of period			35,067
C & I
Allowance for credit losses
Balance at beginning of period	28,167	46,217	6,470
Charge-offs	(10,202)	(3,853)	(4,654)
Recoveries	8,282	3,812	3,810
Net (charge-offs) recoveries	(1,920)	(41)	(844)
Provision (recovery)	8,409	(18,009)	6,798
Balance at end of period	50,713	28,167	46,217
Quantitative allowance
Collectively evaluated	43,935	25,702	38,805
Individually evaluated	1,689	1,003	7
Total quantitative allowance	45,624	26,705	38,812
Qualitative allowance	5,089	1,462	7,405
C & I \| Initial PCD Allowance
Allowance for credit losses
Balance at beginning of period		18,320	39
Balance at end of period	10,452		18,320
C & I \| Initial Non PCD Allowance
Allowance for credit losses
Balance at end of period	$ 5,605
C & I \| Adjustments
Allowance for credit losses
Balance at beginning of period			12,659
C & I \| Adjustments \| ASU 2016-13
Allowance for credit losses
Balance at beginning of period		$ 9,284	6,150
Balance at end of period			$ 9,284

Other Real Estate Owned and B_3

Other Real Estate Owned and Bank Premises Held for Sale (Details)	12 Months Ended
	Dec. 31, 2022 USD ($) property	Dec. 31, 2021 USD ($) property
OREO and Bank Premises
Balance at the beginning of the period	$ 12,314,000	$ 47,920,000
Additions, net	22,975,000	8,015,000
Write-downs	(273,000)	(2,067,000)
Sold	(16,239,000)	(40,328,000)
Balance at the end of the period	$ 18,777,000	$ 12,314,000
Number of properties held \| property	6	12
Number of properties premises held for sale \| property	17	9
Residential real estate consumer mortgage loans in foreclosure, carrying value	$ 2,800,000
OREO.
OREO and Bank Premises
Balance at the beginning of the period	2,736,000	$ 11,914,000
Additions, net	1,972,000	3,642,000
Write-downs	(114,000)	(1,949,000)
Sold	(3,571,000)	(10,871,000)
Balance at the end of the period	1,023,000	2,736,000
Bank Premises Held for Sale
OREO and Bank Premises
Balance at the beginning of the period	9,578,000	36,006,000
Additions, net	21,003,000	4,373,000
Write-downs	(159,000)	(118,000)
Sold	(12,668,000)	(29,457,000)
Balance at the end of the period	17,754,000	9,578,000
Residential real estate
OREO and Bank Premises
Other Real Estate In Foreclosure	$ 245,000
CenterState
OREO and Bank Premises
Acquired		(1,226,000)
CenterState \| Bank Premises Held for Sale
OREO and Bank Premises
Acquired		$ (1,226,000)

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($)	12 Months Ended
Premises and Equipment (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Premises and equipment
Total	$ 819,265,000	$ 844,031,000
Less accumulated depreciation	(298,630,000)	(285,532,000)
Net premises and equipment	520,635,000	558,499,000
Depreciation expense charged to operations	29,400,000	29,200,000	$ 25,300,000
2018-15
Premises and equipment
Capitalized implementation costs related to internal use software	0
Land
Premises and equipment
Total	133,105,000	145,276,000
Buildings and leasehold improvements
Premises and equipment
Total	$ 395,360,000	404,655,000
Buildings and leasehold improvements \| Minimum
Premises and equipment
Useful Life	15 years
Buildings and leasehold improvements \| Maximum
Premises and equipment
Useful Life	40 years
Equipment and furnishings
Premises and equipment
Total	$ 178,676,000	169,271,000
Equipment and furnishings \| Minimum
Premises and equipment
Useful Life	3 years
Equipment and furnishings \| Maximum
Premises and equipment
Useful Life	10 years
Lease right of use assets
Premises and equipment
Total	$ 107,979,000	110,311,000
Construction in process
Premises and equipment
Total	$ 4,145,000	14,518,000
Computer software
Premises and equipment
Useful Life	36 months
Total	$ 23,200,000	43,500,000
Depreciation expense charged to operations	$ 4,900,000	$ 4,800,000	$ 2,400,000

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets (Details) - USD ($)	3 Months Ended
Goodwill and Other Intangible Assets (Details) - USD ($)	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Mar. 01, 2022	Dec. 31, 2021	Dec. 31, 2020
Goodwill [Line Items]
Goodwill	$ 1,923,106,000				$ 1,581,085,000	$ 1,563,942,000
Atlantic Capital
Goodwill [Line Items]
Goodwill			$ 342,900,000	$ 342,021,000
Goodwill increased	$ 581,000	$ (1,500,000)
Intangible assets related to Atlantic Capital acquisition			$ 17,500,000

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Summary of changes (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2022	Dec. 31, 2021
Impairment of goodwill	$ 0	$ 0
Goodwill
Goodwill, Beginning Balance		1,581,085	$ 1,563,942
Goodwill subsequent fair value adjustment from CenterState acquisition			1,327
Goodwill, Ending Balance	$ 1,923,106	1,923,106	1,581,085
CenterState
Goodwill
Additions, Goodwill from acquisition		$ 342,021
SouthState\|Duncan-Williams
Goodwill
Additions, Goodwill from acquisition			$ 15,816

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Summary of gross carrying amounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other intangible assets
Gross carrying amount	$ 278,971	$ 257,874
Accumulated amortization	(162,521)	(129,807)
Net carrying amount	116,450	128,067
Amortization expense	33,205	$ 35,192	$ 26,992
Fair value of SBA servicing assets	6,100
Estimated amortization expense for other intangibles for each of the next five years
2023	27,558
2024	22,395
2025	18,766
2026	15,232
2027	11,756
Thereafter	14,675
Total estimated amortization expense for other intangibles for the next five years	$ 110,382
Minimum
Other intangible assets
Estimated useful lives	2 years
Maximum
Other intangible assets
Estimated useful lives	15 years

Deposits - Total deposits (Deta

Deposits - Total deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits
Non-interest bearing checking	$ 13,168,656	$ 11,498,840
Interest-bearing checking	8,955,519	9,018,987
Savings	3,464,351	3,350,547
Money market	8,342,111	8,376,380
Time deposits	2,419,986	2,810,075
Total deposits	$ 36,350,623	$ 35,054,829

Deposits - Certificates of depo

Deposits - Certificates of deposits and Scheduled maturities of time deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Deposits
Aggregate amounts of certificates of deposits in denominations of $250,000 or more	$ 487,200	$ 603,200
Traditional, out-of-market brokered deposits	150,000	325,000
Time deposits	6,000
Scheduled maturities of time deposits of all denominations
2023	1,778,372
2024	384,954
2025	159,744
2026	60,090
2027	33,870
Thereafter	2,956
Time deposits	$ 2,419,986	$ 2,810,075

Federal Funds Purchased and S_3

Federal Funds Purchased and Securities Sold Under Agreements to Repurchase (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Amount
Federal funds purchased, At period-end	$ 213,597	$ 381,195
Securities sold under agreements to repurchase, At period-end	342,820	400,044
Rate
Repurchase agreement	342,800	400,000
Carrying amount of the securities pledged to collateralize repurchase agreements	8,189,780	7,173,947
Asset Pledged as Collateral [Member]
Rate
Carrying amount of the securities pledged to collateralize repurchase agreements	$ 443,200	$ 471,300
Financing Receivable, Pledging Purpose [Extensible Enumeration]	Federal funds purchased, At period-end	Federal funds purchased, At period-end
Federal funds purchased and securities sold under repurchase agreements \| Minimum
Information concerning federal funds purchased and securities sold under repurchase agreements
Maturity period from the transaction date	1 day
Federal funds purchased and securities sold under repurchase agreements \| Maximum
Information concerning federal funds purchased and securities sold under repurchase agreements
Maturity period from the transaction date	3 days
Maturity period as per policies	9 months
Federal funds purchased
Amount
At period-end	$ 213,597	$ 381,195	$ 384,735
Average for the year	278,251	482,471	222,742
Maximum month-end balance	$ 370,876	$ 508,248	$ 384,735
Rate
At period-end (as a percent)	4.31%	0.08%	0%
Average for the year (as a percent)	1.35%	0.09%	0.17%
Securities sold under agreements to repurchase
Amount
Securities sold under agreements to repurchase, At period-end	$ 342,820	$ 400,044	$ 394,931
Average for the year	395,141	395,498	330,368
Maximum month-end balance	$ 458,580	$ 435,302	$ 396,948
Rate
At period-end (as a percent)	0.40%	0.16%	0.33%
Average for the year (as a percent)	0.19%	0.20%	0.47%

Other Borrowings (Details)

Other Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
Other Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Other Borrowings
Long term borrowings	$ 392,275	$ 327,066
Total borrowings	392,275	327,066
Short term borrowings, Average balance	10,959	1,986
Long term borrowings, Average balance	386,154	352,813
Total borrowings, Average balance	$ 397,113	$ 354,799
Fixed interest rate (as a percent)	5.89%	4.40%
Weighted average interest rate (as a percent)	5.03%	4.35%
Junior subordinated debt securities	$ 117,400	$ 117,200
Short term borrowings
Other Borrowings
Weighted average interest rate (as a percent)	5.22%	2.22%
SOFR \| Unsecured line of credit
Other Borrowings
Spread on variable rate basis (as a percent)	1.40%
SCBT Capital Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 12,372	$ 12,372
Fixed interest rate (as a percent)	6.56%	1.99%
SCBT Capital Trust II junior subordinated debt
Other Borrowings
Long term borrowings	$ 8,248	$ 8,248
Fixed interest rate (as a percent)	6.56%	1.99%
SCBT Capital Trust III junior subordinated debt
Other Borrowings
Long term borrowings	$ 20,619	$ 20,619
Fixed interest rate (as a percent)	6.36%	1.79%
SAVB Capital Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 6,186	$ 6,186
Fixed interest rate (as a percent)	6.93%	2.97%
SAVB Capital Trust II junior subordinated debt
Other Borrowings
Long term borrowings	$ 4,124	$ 4,124
Fixed interest rate (as a percent)	6.97%	2.40%
TSB Statutory Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 3,093	$ 3,093
Fixed interest rate (as a percent)	6.49%	1.92%
Southeastern Bank Financial Statutory Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 10,310	$ 10,310
Fixed interest rate (as a percent)	6.17%	1.60%
Southeastern Bank Financial Statutory Trust II junior subordinated debt
Other Borrowings
Long term borrowings	$ 10,310	$ 10,310
Fixed interest rate (as a percent)	6.17%	1.60%
CSBC Statutory Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 15,464	$ 15,464
Fixed interest rate (as a percent)	6.34%	1.77%
Community Capital Statutory Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 10,310	$ 10,310
Fixed interest rate (as a percent)	6.32%	1.75%
FCRV Statutory Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 5,155	$ 5,155
Fixed interest rate (as a percent)	6.47%	1.90%
Provident Community Bancshares Capital Trust I junior subordinated debt
Other Borrowings
Long term borrowings	$ 4,124	$ 4,124
Fixed interest rate (as a percent)	5.48%	1.87%
Provident Community Bancshares Capital Trust II junior subordinated debt
Other Borrowings
Long term borrowings	$ 8,248	$ 8,248
Fixed interest rate (as a percent)	6.50%	1.91%
Fair Market Value Discount Trust Preferred Debt Acquired
Other Borrowings
Other long term debt acquired	$ (1,162)	$ (1,398)
Junior Subordinated Debt
Other Borrowings
Long term borrowings	117,401	117,165
Long term borrowings, Average balance	$ 117,277	$ 130,048
Fixed interest rate (as a percent)	6.39%	1.89%
Weighted average interest rate (as a percent)	3.49%	1.97%
Junior subordinated debt securities	$ 117,400
Junior Subordinated Debt \| LIBOR \| Minimum
Other Borrowings
Spread on variable rate basis (as a percent)	1.40%
Junior Subordinated Debt \| LIBOR \| Maximum
Other Borrowings
Spread on variable rate basis (as a percent)	2.85%
Landmark Bancshares subordinated debt
Other Borrowings
Long term borrowings		$ 13,000
Fixed interest rate (as a percent)	6.50%	6.50%
Landmark Bancshares subordinated debt \| LIBOR
Other Borrowings
Spread on variable rate basis (as a percent)	4.67%
CenterState Bank Corporation subordinated debt
Other Borrowings
Long term borrowings	$ 200,000	$ 200,000
Fixed interest rate (as a percent)	5.75%	5.75%
CenterState Bank Corporation subordinated debt \| SOFR
Other Borrowings
Spread on variable rate basis (as a percent)	5.62%
Atlantic Capital Bancshares, Inc. subordinated debt
Other Borrowings
Long term borrowings	$ 75,000
Fixed interest rate (as a percent)	5.50%
Atlantic Capital Bancshares, Inc. subordinated debt \| LIBOR
Other Borrowings
Spread on variable rate basis (as a percent)	5.36%
Fair Market Value Premium subordinated debt acquired
Other Borrowings
Long term borrowings	$ 2,604
Long-term subordinated debt costs
Other Borrowings
Debt issuance cost	(2,730)	$ (3,099)
Subordinated Debt.
Other Borrowings
Long term borrowings	274,874	209,901
Long term borrowings, Average balance	$ 268,877	$ 222,765
Fixed interest rate (as a percent)	5.68%	5.80%
Weighted average interest rate (as a percent)	5.70%	5.81%
Long term borrowings
Other Borrowings
Weighted average interest rate (as a percent)	5.03%	4.36%

Other Borrowings - Short-Term B

Other Borrowings - Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
FHLB Advances
Outstanding advances	$ 0	$ 0
Loans	$ 29,821,418	$ 23,626,359
Short term borrowings
FHLB Advances
Long-term Debt, Weighted Average Interest Rate, at Point in Time	5.22%	2.22%
FHLB Advances
FHLB Advances
Loans pledged via a blanket lien to the FHLB for advances and letters of credit	$ 5,500,000
Investment securities pledged	597,600
Total borrowing capacity at FHLB	4,200,000
Letter of credit borrowed	2,100
Unused net credit available with the FHLB	4,200,000
Average amount of FHLB advances outstanding	11,000	$ 2,000
FRB Borrowings
FHLB Advances
Letter of credit borrowed	0
Maximum borrowing capacity	782,000
FRB Borrowings \| Asset Not Pledged as Collateral and Asset Pledged as Collateral without Right [Member]
FHLB Advances
Loans	$ 1,300
Financing Receivable, Pledging Purpose [Extensible Enumeration]	Federal Funds Purchased

Other Borrowings - Junior Subor

Other Borrowings - Junior Subordinated Debt (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2022	Dec. 31, 2021
Junior Subordinated Debt
Junior subordinated debt securities		$ 117,400	$ 117,200
Discount		$ 1,200	1,400
Trust preferred securities redeemed			39,900
Extinguishment of debt cost			$ (11,706)
Junior Subordinated Debt
Junior Subordinated Debt
Debt instrument term		5 years
Junior subordinated debt securities		$ 117,400
Long-term Debt, Weighted Average Interest Rate, at Point in Time		6.39%	1.89%
Long-term Debt, Weighted Average Interest Rate, over Time		3.49%	1.97%
Trust preferred securities redeemed	$ 38,500
Extinguishment of debt cost	$ 11,700
Junior Subordinated Debt net of discount
Junior Subordinated Debt
Long-term Debt, Weighted Average Interest Rate, over Time		3.73%	2.85%
SAVB Capital Trust I and II and FFCH Capital Trust I \| Junior Subordinated Debt
Junior Subordinated Debt
Liability for the junior subordinated debt securities recorded on SAVB Capital Trust I and II		$ 117,400
Discount		1,200
Amount paid to holders, if the entity call backs the subordinated debt securities		$ 118,600
Discount amortization period		4 years

Other Borrowings - Subordinated

Other Borrowings - Subordinated Debt and Notes (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2022	Dec. 31, 2021	Mar. 31, 2022	Mar. 01, 2022
Other Borrowings
Subordinated debentures redeemed					$ 39,900
Atlantic Capital
Other Borrowings
Other borrowings							$ 78,417
Subordinated Debt.
Other Borrowings
Subordinated Debt				$ 274,900
Other borrowings							$ 78,400
Weighted average cost of the subordinated debt				5.68%	5.80%
Weighted average cost year to date				5.70%	5.81%
Subordinated debt qualify for Tier 2				$ 275,000
Subordinated debt do not qualify for Tier 2					$ 11,000
Subordinated debentures redeemed	$ 13,000	$ 13,000	$ 25,000
Subordinate notes matured			$ 11,000
Subordinated Debt. \| Atlantic Capital
Other Borrowings
Other borrowings						$ 75,000
Subordinated Debt net of discount
Other Borrowings
Weighted average cost year to date				5.55%	6.06%

Other Borrowings - Lines of Cre

Other Borrowings - Lines of Credit (Details) - USD ($)	12 Months Ended
Other Borrowings - Lines of Credit (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021	Nov. 14, 2022
Principal maturities of other borrowings
Thereafter	$ 392,275,000
Total borrowings	392,275,000
Unsecured line of credit
Other Borrowings
Maximum borrowing capacity			$ 100,000,000
Letter of credit outstanding	$ 0	$ 0
Average balance of line of credit		$ 2,000,000
Long-term Debt, Weighted Average Interest Rate, at Point in Time		2.22%
Junior Subordinated Debt
Other Borrowings
Long-term Debt, Weighted Average Interest Rate, at Point in Time	6.39%	1.89%
Principal maturities of other borrowings
Thereafter	$ 117,401,000
Total borrowings	117,401,000
FHLB Advances
Other Borrowings
Letter of credit outstanding	$ 2,100,000
Subordinated Debt.
Other Borrowings
Long-term Debt, Weighted Average Interest Rate, at Point in Time	5.68%	5.80%
Principal maturities of other borrowings
Thereafter	$ 274,874,000
Total borrowings	$ 274,874,000
SOFR \| Unsecured line of credit
Other Borrowings
Spread on variable rate basis (as a percent)	1.40%

Income Taxes - Provision for in

Income Taxes - Provision for income taxes breakup (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Current:
Federal	$ 5,940	$ 43,959	$ 16,245
State	7,044	16,512	13,296
Total current tax expense	12,984	60,471	29,541
Deferred:
Federal	103,875	61,521	(36,801)
State	20,454	6,744	(9,400)
Total deferred tax (benefit) expense	124,329	68,265	(46,201)
(Benefit) provision for income taxes	$ 137,313	$ 128,736	$ (16,660)
Federal statutory income tax rate (as a percent)	21%	21%	21%

Income Taxes - Provision for _2

Income Taxes - Provision for income taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Difference between the provision for income taxes and taxes computed by applying the federal statutory income tax rate to income before provision for income taxes
Income taxes at federal statutory rate	$ 133,006	$ 126,899	$ 21,834
Increase (reduction) of taxes resulting from:
State income taxes, net of federal tax benefit	21,491	18,372	3,077
Non- deductible merger expenses	415		1,344
Increase in cash surrender value of BOLI policies	(5,105)	(3,866)	(2,389)
Tax-exempt interest	(7,828)	(5,450)	(2,257)
Income tax credits	(13,667)	(11,759)	(7,138)
Non-deductible FDIC premiums	3,287	2,380	1,364
Non-deductible executive compensation	4,319	530	1,016
Benefit of tax loss carryback under CARES Act			(31,468)
Other, net	1,395	1,630	(2,043)
(Benefit) provision for income taxes	137,313	128,736	$ (16,660)
Components of the net deferred tax asset
Allowance for loan losses	101,416	81,767
Share-based compensation	10,509	6,290
Pension plan and post-retirement benefits	1,157	752
Deferred compensation	14,583	14,437
Purchase accounting adjustments	1,484
Accrued expenses	6,953
Other real estate owned	877	1,577
Net operating loss and tax credit carryforwards	27,271	20,659
Nonaccrual Interest	566	88
Lease liability	27,675	28,514
Mark to market assets		11,788
Unrealized losses on investment securities available for sale	215,013	6,691
Other	1,277	719
Total deferred tax assets	408,781	173,282
Depreciation	22,442	21,028
Intangible assets	23,558	27,732
Net deferred loan costs	10,431	3,579
Right of use assets	25,848	27,136
Prepaid expense	836	725
Mark to market liabilities	110,122
Tax deductible goodwill	9,090	5,994
Mortgage servicing rights	21,371	16,100
Purchase accounting adjustments		890
Other	1,776	302
Total deferred tax liabilities	225,474	103,486
Net deferred tax assets before valuation allowance	183,307	69,796
Less, valuation allowance	(5,506)	(4,832)
Net deferred tax assets	$ 177,801	$ 64,964

Income Taxes - Additional infor

Income Taxes - Additional information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2020	Dec. 31, 2021
Income Taxes
Benefit of tax loss carryback under CARES Act		$ 31,468
Unrecognized tax benefits	$ 0
Atlantic Capital Bank
Income Taxes
Net operating loss carryforwards from previous acquisitions	40,600
Federal
Income Taxes
Operating loss carryforwards	78,500		$ 61,800
Federal \| Atlantic Capital Bank
Income Taxes
Operating loss carryforwards	48,400
Annual limitation on operating loss carryforwards	4,800
Valuation allowance relating to operating loss carryforwards	25,500
Net operating loss carryforwards from previous acquisitions	40,600
Net operating loss carryforwards on final tax return	7,800
NOL fully utilized	7,800
State
Income Taxes
Operating loss carryforwards	160,400		169,400
Valuation allowance relating to operating loss carryforwards	$ 5,500		$ 137,700

Other Expense (Details)

Other Expense (Details) - USD ($) $ in Thousands	12 Months Ended
Other Expense (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Other Expense
Business development and staff related	$ 19,015	$ 14,571	$ 8,721
Bankcard expense	3,576	3,459	2,224
Other loan expense	8,646	7,562	5,105
Director and shareholder expense	4,382	5,486	4,175
Armored carrier and courier expense	2,650	3,081	2,449
Property and sales tax	4,037	3,487	3,936
Bank service charge expense	2,472	2,147	1,725
Fraud and operational charge-off expense	11,202	4,727	2,231
Low income housing tax credit partnership amortization	9,722	9,986	12,977
Donations	4,112	2,563	2,121
Deposit earnings credit expense	4,507	2,809
Other	10,139	7,473	7,181
Total other noninterest expense	$ 84,460	$ 67,351	$ 52,845

Earnings Per Common Share - Com

Earnings Per Common Share - Computation of basic and diluted EPS (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Basic earnings per common share:
Net income	$ 496,049	$ 475,543	$ 120,632
Weighted-average basic common shares	74,551	70,393	54,756
Basic earnings per common share (in dollars per share)	$ 6.65	$ 6.76	$ 2.20
Diluted earnings per common share:
Net income	$ 496,049	$ 475,543	$ 120,632
Weighted-average basic common shares	74,551	70,393	54,756
Effect of dilutive securities (in shares)	630	496	307
Weighted-average dilutive shares	75,181	70,889	55,063
Diluted earnings per common share (in dollars per share)	$ 6.60	$ 6.71	$ 2.19

Earnings Per Common Share - Cal

Earnings Per Common Share - Calculation of diluted EPS under Treasury method (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Earnings Per Share
Number of shares	57,169	57,169	136,844
Range of exercise prices, low end of range (in dollars per share)	$ 87.30	$ 87.30	$ 61.42
Range of exercise prices, high end of range (in dollars per share)	$ 91.35	$ 91.35	$ 91.35

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive (Loss) Income - Changes in components of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	$ (21,146)
Net comprehensive (loss) income	(655,942)	$ (68,735)	$ 46,572
Balance at the end of the period	(677,088)	(21,146)
Benefit Plans
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	57	(151)	(149)
Other comprehensive loss before reclassifications	(838)	75	(119)
Amounts reclassified from accumulated other comprehensive loss	108	133	117
Net comprehensive (loss) income	(730)	208	(2)
Balance at the end of the period	(673)	57	(151)
Unrealized Gains and (Losses) on Securities Available for Sale
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(21,203)	47,740	11,922
Other comprehensive loss before reclassifications	(655,189)	(68,865)	35,857
Amounts reclassified from accumulated other comprehensive loss	(23)	(78)	(39)
Net comprehensive (loss) income	(655,212)	(68,943)	35,818
Balance at the end of the period	(676,415)	(21,203)	47,740
Gains (Losses) on Cash Flow Hedges
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period			(10,756)
Other comprehensive loss before reclassifications			(26,140)
Amounts reclassified from accumulated other comprehensive loss			36,896
Net comprehensive (loss) income			10,756
Accumulated Other Comprehensive Income (Loss)
Accumulated Other Comprehensive Income (Loss)
Balance at the beginning of the period	(21,146)	47,589	1,017
Other comprehensive loss before reclassifications	(656,027)	(68,790)	9,598
Amounts reclassified from accumulated other comprehensive loss	85	55	36,974
Net comprehensive (loss) income	(655,942)	(68,735)	46,572
Balance at the end of the period	$ (677,088)	$ (21,146)	$ 47,589

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive (Loss) Income - Reclassifications out of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reclassifications out of accumulated other comprehensive income, net of tax
Interest expense	$ (61,354)	$ (51,629)	$ (83,564)
Salaries and employee benefits	(554,704)	(552,030)	(416,599)
Provision for income taxes	(137,313)	(128,736)	16,660
Net income	496,049	475,543	120,632
Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Net income	85	55	36,974
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) \| Interest rate contracts
Reclassifications out of accumulated other comprehensive income, net of tax
Interest expense			47,303
Provision for income taxes			(10,407)
Net income			36,896
Unrealized Gains and (Losses) on Securities Available for Sale \| Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Securities gains (losses), net	(30)	(102)	(50)
Provision for income taxes	7	24	11
Net income	(23)	(78)	(39)
Benefit Plans \| Amount Reclassified from Accumulated Other Comprehensive Income (Loss)
Reclassifications out of accumulated other comprehensive income, net of tax
Salaries and employee benefits	143	174	152
Provision for income taxes	(35)	(41)	(35)
Net income	$ 108	$ 133	$ 117

Restrictions on Subsidiary Di_2

Restrictions on Subsidiary Dividends, Loans, or Advances (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cost of shares repurchased	$ 9,126	$ 1,053	$ 7,716
Maximum amount available for transfer in the form of loans or advances	536,100	503,200
Outstanding loans or advances	0	$ 0
Announced stock repurchase program
Amount available for special dividend distribution without approval from SCBFI	220,000
Cost of shares repurchased	110,200
Special dividend for general operating liquidity	$ 146,500

Retirement Plans - Expenses Inc

Retirement Plans - Expenses Incurred And Charged Against Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Employee savings plan/ 401(k)	$ 15,357	$ 14,991	$ 10,962
Supplemental executive retirement plan	(1,510)	3,475	2,862
Post-retirement benefits	(108)	67	43
Non-contributory defined benefit pension plan
Defined Benefit Plan Disclosure [Line Items]
Expenses incurred and charged against operations	$ 13,739	$ 18,533	$ 13,867

Retirement Plans - Safe Harbor

Retirement Plans - Safe Harbor plan (Details)	12 Months Ended
Retirement Plans - Safe Harbor plan (Details)	Dec. 31, 2022
Employees' savings plan
Matching contribution by the company (as a percent)	100%
Minimum
Employees' savings plan
Age of employees to be eligible to participate in the defined contribution plan	18 years
Percentage of annual base compensation that participants may elect to contribute	1%
Maximum
Employees' savings plan
Percentage of annual base compensation that participants may elect to contribute	50%
Percentage of employees salary for which the company contributes a matching contribution	4%

Post-Retirement Benefits (Detai

Post-Retirement Benefits (Details)	12 Months Ended
Post-Retirement Benefits (Details)	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Post-Retirement Benefits
Number of post-retirement health and life insurance benefit plans \| item	2
SCBT Post-retirement Benefit Plan
Change in benefit obligation:
Benefit obligation at beginning of year	$ 195,000	$ 209,000	$ 254,000
Interest cost	$ 4,000	$ 3,000	$ 6,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Actuarial (gain) loss	$ (14,000)	$ 11,000	$ (19,000)
Benefits paid	(28,000)	(28,000)	(32,000)
Benefit obligation at end of year	157,000	195,000	209,000
Change in plan assets:
Employer contribution	28,000	28,000	32,000
Benefits paid	(28,000)	(28,000)	(32,000)
Funded status	$ (157,000)	$ (195,000)	$ (209,000)
Weighted-average assumptions used to determine the benefit obligation
Discount rate (as a percent)	4.80%	2.10%	1.60%
Weighted-average assumptions used to determine net periodic pension cost
Discount rate (as a percent)	2.10%	1.60%	2.70%
Assumed health care cost trend rates
Health care cost trend rate assumed for next fiscal year (as a percent)	5%	5%	5%
Components of net periodic pension cost and other amounts recognized in other comprehensive (loss) income
Interest cost	$ 4,000	$ 3,000	$ 6,000
Recognized net actuarial loss	1,000		2,000
Net periodic pension expense	$ 5,000	$ 3,000	$ 8,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible List]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Net (gain) loss	$ (14,000)	$ 11,000	$ (19,000)
Amortization of loss	$ (1,000)		$ (2,000)
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Amortization of Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Total amount recognized in other comprehensive income	$ (15,000)	$ 11,000	$ (21,000)
Total recognized in net periodic benefit cost and other comprehensive income	(10,000)	14,000	(13,000)
Estimated net loss for the retiree medical plan that will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year
Estimated net gain/loss for the plan that will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year	0
Estimated future benefit payments (including expected future service as appropriate)
2023	26,000
2024	25,000
2025	22,000
2026	20,000
2027	18,000
2028-2032	59,000
Estimated future benefit payments	170,000
Expected contributions in the next fiscal year
Amount of expected contributions in the next fiscal year	26,000
FFCH Post-retirement Benefit Plan
Change in benefit obligation:
Benefit obligation at beginning of year	1,754,000	2,070,000	2,109,000
Interest cost	$ 35,000	$ 31,000	$ 54,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit), Interest Cost, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Actuarial (gain) loss	$ 1,124,000	$ (110,000)	$ 180,000
Benefits paid	(416,000)	(246,000)	(285,000)
Less: Federal subsidy on benefits paid	11,000	9,000	12,000
Benefit obligation at end of year	2,508,000	1,754,000	2,070,000
Change in plan assets:
Employer contribution	405,000	236,000	273,000
Participants' contributions	11,000	10,000	12,000
Benefits paid	(416,000)	(246,000)	(285,000)
Funded status	$ (2,508,000)	$ (1,754,000)	$ (2,070,000)
Weighted-average assumptions used to determine the benefit obligation
Discount rate (as a percent)	4.80%	2.10%	1.60%
Weighted-average assumptions used to determine net periodic pension cost
Discount rate (as a percent)	2.10%	1.60%	2.70%
Assumed health care cost trend rates
Health care cost trend rate assumed for next fiscal year (as a percent)	5%	5%	5%
Components of net periodic pension cost and other amounts recognized in other comprehensive (loss) income
Interest cost	$ 35,000	$ 31,000	$ 54,000
Recognized net actuarial loss	141,000	174,000	151,000
Net periodic pension expense	$ 176,000	$ 205,000	$ 205,000
Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Excluding Service Cost, Statement of Income or Comprehensive Income [Extensible List]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Net (gain) loss	$ 1,124,000	$ (110,000)	$ 180,000
Amortization of loss	$ (141,000)	$ (174,000)	$ (151,000)
Defined Benefit Plan, Net Periodic Benefit (Cost) Credit, Amortization of Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Total amount recognized in other comprehensive income	$ 983,000	$ (284,000)	$ 29,000
Total recognized in net periodic benefit cost and other comprehensive income	1,159,000	$ (79,000)	$ 234,000
Estimated net loss for the retiree medical plan that will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year
Estimated net gain/loss for the plan that will be amortized from other comprehensive income into periodic benefit cost over the next fiscal year	285,000
Estimated future benefit payments (including expected future service as appropriate)
2023	368,000
2024	345,000
2025	320,000
2026	294,000
2027	268,000
2028-2032	968,000
Estimated future benefit payments	2,563,000
Expected contributions in the next fiscal year
Amount of expected contributions in the next fiscal year	$ 368,000

Share-Based Compensation - Stoc

Share-Based Compensation - Stock Options (Details) - USD ($)	12 Months Ended			192 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of shares
Forfeited (in shares)	(356)	(6,250)	(4,963)
Weighted-Average Exercise Price
Forfeited (in dollars per share)	$ 38.31	$ 85.42	$ 48.89
2004 plan
Additional disclosures
Granted (in shares)				0
2020 plan
Share-Based Compensation
Number of shares registered	2,072,245
Stock Options
Number of shares
Outstanding at the beginning of the period (in shares)	185,125	256,425	176,888
Assumed stock options and warrants from ACBI merger (in shares)	23,410		136,831
Exercised (in shares)	(43,525)	(64,075)	(52,331)
Expired (in shares)	(2,822)	(975)
Outstanding at the end of the period (in shares)	161,832	185,125	256,425	176,888
Exercisable at the end of the period (in shares)	161,832	185,125	256,425
Weighted-Average Exercise Price
Outstanding at the beginning of the period (in dollars per share)	$ 63.03	$ 59.01	$ 67.14
Assumed stock options and warrants from ACBI merger (in dollars per share)	40.73		37.85
Exercised (in dollars per share)	41.16	45.35	32.12
Expired (in dollars per share)	36.98	24.37
Outstanding at the end of the period (in dollars per share)	66.20	63.03	59.01	$ 67.14
Exercisable at the end of the period (in dollars per share)	$ 66.20	$ 63.03	$ 59.01
Aggregate Intrinsic Value
Exercisable at the end of the period	$ 2,500,000	$ 3,800,000	$ 4,600,000
Additional disclosures
Total unrecognized compensation cost related to non vested stock option grants	0	0	0
Intrinsic value of stock option shares exercised	$ 1,700,000	$ 2,300,000	$ 2,000,000
Incentive stock options \| Maximum
Share-Based Compensation
Vesting period	4 years
Incentive stock options \| Plan 2004 and 2012
Share-Based Compensation
Vesting percentage	25%
Expiration period	10 years

Share-Based Compensation - Info

Share-Based Compensation - Information pertaining to options outstanding (Details) - $ / shares	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Share Based Compensation
Range of exercise prices, low end of range (in dollars per share)	$ 87.30	$ 87.30	$ 61.42
Range of exercise prices, high end of range (in dollars per share)	$ 91.35	$ 91.35	$ 91.35
Options Outstanding
Number outstanding (in shares)	161,832
Weighted Average Remaining Contractual Life	3 years 2 months 12 days
Weighted Average Exercise Price (in dollars per share)	$ 66.20
Options Exercisable
Number outstanding (in shares)	161,832
Weighted Average Exercise Price (in dollars per share)	$ 66.20
Weighted Average Remaining Contractual Life	3 years 2 months 12 days
Restricted Stock
Vesting schedule of shares
2023	30,610
2024	14,107
2025	5,789
Total	50,506	3,066
23.19 To 40.00
Share Based Compensation
Range of exercise prices, low end of range (in dollars per share)	$ 23.19
Range of exercise prices, high end of range (in dollars per share)	$ 40
Options Outstanding
Number outstanding (in shares)	13,811
Weighted Average Remaining Contractual Life	1 year 1 month 6 days
Weighted Average Exercise Price (in dollars per share)	$ 35.36
Options Exercisable
Number outstanding (in shares)	13,811
Weighted Average Exercise Price (in dollars per share)	$ 35.36
Weighted Average Remaining Contractual Life	1 year 1 month 6 days
40.01 To 55.00
Share Based Compensation
Range of exercise prices, low end of range (in dollars per share)	$ 40.01
Range of exercise prices, high end of range (in dollars per share)	$ 55
Options Outstanding
Number outstanding (in shares)	40,449
Weighted Average Remaining Contractual Life	3 years 4 months 24 days
Weighted Average Exercise Price (in dollars per share)	$ 44.64
Options Exercisable
Number outstanding (in shares)	40,449
Weighted Average Exercise Price (in dollars per share)	$ 44.64
Weighted Average Remaining Contractual Life	3 years 4 months 24 days
55.01 To 70.00
Share Based Compensation
Range of exercise prices, low end of range (in dollars per share)	$ 55.01
Range of exercise prices, high end of range (in dollars per share)	$ 70
Options Outstanding
Number outstanding (in shares)	50,403
Weighted Average Remaining Contractual Life	2 years 1 month 6 days
Weighted Average Exercise Price (in dollars per share)	$ 63.68
Options Exercisable
Number outstanding (in shares)	50,403
Weighted Average Exercise Price (in dollars per share)	$ 63.68
Weighted Average Remaining Contractual Life	2 years 1 month 6 days
85.01 To 91.35
Share Based Compensation
Range of exercise prices, low end of range (in dollars per share)	$ 85.01
Range of exercise prices, high end of range (in dollars per share)	$ 91.35
Options Outstanding
Number outstanding (in shares)	57,169
Weighted Average Remaining Contractual Life	4 years 7 months 6 days
Weighted Average Exercise Price (in dollars per share)	$ 91.12
Options Exercisable
Number outstanding (in shares)	57,169
Weighted Average Exercise Price (in dollars per share)	$ 91.12
Weighted Average Remaining Contractual Life	4 years 7 months 6 days

Share-Based Compensation - Rest

Share-Based Compensation - Restricted Stock (Details) - Restricted Stock - USD ($)		12 Months Ended
	Mar. 01, 2022	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Restricted Stock Activity
Outstanding at the beginning of the period (in shares)		3,066
Assumed restricted stock shares from ACBI merger (in shares)	84,224	84,224
Vested (in shares)		(31,416)
Forfeited (in shares)		(5,368)
Outstanding at the end of the period (in shares)		50,506	3,066
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share)		$ 67.31
Assumed restricted stock shares from ACBI merger (in dollars per share)		90
Vested (in dollars per share)		89.21
Forfeited (in dollars per share)		90
Outstanding at the end of the period (in dollars per share)		$ 89.12	$ 67.31
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted		$ 2,500,000
Weighted-average period over which unrecognized compensation cost is expected to be recognized		1 year 3 months
Total fair value of shares vested during the period		$ 2,500,000	$ 448,000	$ 4,600,000

Share-Based Compensation - Re_2

Share-Based Compensation - Restricted Stock Units (Details) - Restricted Stock Units - USD ($) $ / shares in Units, $ in Millions				12 Months Ended
	Jun. 30, 2022	Mar. 01, 2022	Jun. 07, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
RSU Activity
Outstanding at the beginning of the period (in shares)				948,213
Assumed restricted stock units from ACBI merger (in shares)		55,736		55,736
Granted (in shares)				338,500	301,230	382,205
Vested (in shares)				(393,730)
Forfeited (in shares)				(8,207)
Outstanding at the end of the period (in shares)				940,512	948,213
Weighted-Average Grant-Date Fair Value
Outstanding at the beginning of the period (in dollars per share)				$ 67.01
Assumed restricted stock units from ACBI merger (in dollars per share)				87.94
Granted (in dollars per share)				82.30
Vested (in dollars per share)				66.49
Forfeited (in dollars per share)				83.38
Outstanding at the end of the period (in dollars per share)				$ 73.82	$ 67.01
Additional disclosures
Options vested (in shares)			242,018
Additional shares authorized				107,160
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted				$ 26.4
Weighted-average period over which unrecognized compensation cost is expected to be recognized				11 months 19 days
Total fair value of shares vested during the period	$ 7.5			$ 30	$ 6	$ 23.6
Tranche One
RSU Activity
Outstanding at the end of the period (in shares)				112,110

Share-Based Compensation - Addi

Share-Based Compensation - Additional information (Details) - USD ($)			1 Months Ended	12 Months Ended
	Jun. 30, 2022	Jun. 07, 2020	Jun. 30, 2020	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Oct. 29, 2020
Employee Stock Purchase Plan
Additional disclosures
Compensation expense				$ 165,000	$ 126,000	$ 81,000
Employee Stock Purchase Plan
Number of shares of common stock registered in connection with the establishment of an Employee Stock Purchase Plan				363,825			1,400,000
Requisite age of employees to be eligible to participate in the plan				21 years
Requisite service period to be eligible to participate in the plan				6 months
Employee stock purchases (in shares)				38,491	33,013	32,476
Minimum \| Employee Stock Purchase Plan
Employee Stock Purchase Plan
Shares available for issuance under the plan				1,400,000
Maximum \| Employee Stock Purchase Plan
Employee Stock Purchase Plan
Estimated subscription date fair value (as a percent)				95%
Stock Options
Additional disclosures
Total unrecognized compensation cost related to non vested stock option grants				$ 0	$ 0	$ 0
Total fair value of shares vested during the period				0	0	1,400,000
Compensation expense				$ 0	0	720,000
Vesting of stock options			$ 481,000
Restricted Stock
Additional disclosures
Weighted-average period over which unrecognized compensation cost is expected to be recognized				1 year 3 months
Compensation expense				$ 3,800,000	$ 370,000	$ 1,500,000
Vesting of stock options			$ 704,000
Options vested (in shares)		29,303
Restricted Stock Activity
Granted (in shares)				0	0	9,145
Vested (in shares)				31,416
Weighted-Average Grant-Date Fair Value
Granted (in dollars per share)				$ 0	$ 0	$ 55.96
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted				$ 2,500,000
Total fair value of shares vested during the period				2,500,000	$ 448,000	$ 4,600,000
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value				$ 2,500,000	448,000	4,600,000
Restricted Stock \| Minimum
Additional disclosures
Vesting period				2 years
Restricted Stock \| Maximum
Additional disclosures
Vesting period				4 years
Restricted Stock Units
Additional disclosures
Weighted-average period over which unrecognized compensation cost is expected to be recognized				11 months 19 days
Compensation expense				$ 31,700,000	$ 25,200,000	$ 21,000,000
Options vested (in shares)		242,018
Restricted Stock Activity
Granted (in shares)				338,500	301,230	382,205
Vested (in shares)				393,730
Weighted-Average Grant-Date Fair Value
Granted (in dollars per share)				$ 82.30
Additional disclosures
Total unrecognized compensation cost related to nonvested restricted stock and RSUs granted				$ 26,400,000
Total fair value of shares vested during the period	$ 7,500,000			$ 30,000,000	$ 6,000,000	$ 23,600,000
Target RSU award level (as a percent)				1%
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value	$ 7,500,000			$ 30,000,000	$ 6,000,000	$ 23,600,000
Restricted Stock Units \| Maximum
Additional disclosures
Vesting period				12 months
Performance based restricted stock units
Additional disclosures
Performance period				3 years
Other Performance based restricted stock units \| Minimum
Additional disclosures
Performance period				1 year
Other Performance based restricted stock units \| Maximum
Additional disclosures
Performance period				2 years
Timed based restricted stock units \| Minimum
Additional disclosures
Performance period				2 years
Timed based restricted stock units \| Maximum
Additional disclosures
Performance period				4 years

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended			23 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2022	Apr. 27, 2022	Jan. 27, 2021
Stock repurchase program
Shares authorized under repurchase program	4,120,021			4,120,021	4,120,021
Cost of shares repurchased under other arrangements	$ 9,126	$ 1,053	$ 7,716
Other stock repurchase arrangements
Stock repurchase program
Number of shares repurchased	112,389	13,412	122,708
Cost of shares repurchased under other arrangements	$ 9,100	$ 1,100	$ 7,700
2021 Stock Repurchase Plan
Stock repurchase program
Shares authorized under repurchase program						3,500,000
Number of shares repurchased	1,312,038		86,263	3,129,979
Cost of shares repurchased under other arrangements			$ 5,200
Average price per share	$ 83.99			$ 81.97
Additional shares available for repurchase	370,021			370,021	370,021
2022 Stock Repurchase Plan
Stock repurchase program
Shares authorized under repurchase program					3,750,000

Lease Commitments (Details)

Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
Lease Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Right to use asset	$ 108,000	$ 110,300
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Property, Plant and Equipment, Net	Property, Plant and Equipment, Net
Lease Liability	$ 115,610	$ 115,900
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.	Other Liabilities.
Existence of option to extend	true
Lessee, Operating Leases Liability Not Yet Commenced	$ 0
Maximum
Renewal term	21 years

Lease Commitments - Lease cost

Lease Commitments - Lease cost and other information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Lease Cost Components:
Amortization of ROU assets - finance leases	$ 466	$ 466	$ 289
Interest on lease liabilities - finance leases	49	56	44
Operating lease cost (cost resulting from lease payments)	17,782	17,236	14,266
Short-term lease cost	820	446	404
Variable lease cost (cost excluded from lease payments)	2,399	2,768	1,081
Total lease cost	21,516	20,972	16,084
Supplemental Cash Flow and Other Information Related to Leases:
Finance lease - operating cash flows	49	56	42
Finance lease - financing cash flows	434	427	255
Operating lease - operating cash flows (fixed payments)	17,253	16,435	12,876
Operating lease - operating cash flows (net change asset/liability)	(13,723)	(12,790)	(9,123)
New ROU assets - operating leases	$ 12,635	$ 9,623	43,583
New ROU assets - finance leases			$ 5,374
Weighted - average remaining lease term (years) - finance leases	5 years 5 months 1 day	6 years 4 months 28 days	7 years 4 months 24 days
Weighted - average remaining lease term (years) - Operating leases	10 years 10 days	10 years 11 months 12 days	11 years 6 months 3 days
Weighted - average discount rate - finance leases	1.70%	1.70%	1.70%
Weighted - average discount rate - Operating leases	3%	3.20%	3.30%
Maturity Analysis of Lease Liabilities:
2023	$ 16,280
2024	14,909
2025	13,546
2026	13,135
2027	12,172
Thereafter	66,551
Total undiscounted cash flows	136,593
Discount on cash flows	(20,983)
Total operating lease liabilities	$ 115,610	$ 115,900
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Other Liabilities.	Other Liabilities.

Contingent Liabilities (Details

Contingent Liabilities (Details)	Dec. 31, 2022 item
Contingent Liabilities
Number of pending or threatened litigation	0

Related Party Transactions (Det

Related Party Transactions (Details) - SCBT - Directors and executive officers, their immediate families and their business interests - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Related Party Transactions
Loans outstanding	$ 5.8	$ 10.1
New loans made	122.2	102.2
Loans reduced	8.6
Repayments received	119.1	120.8
Related party deposits	28	$ 21.4
Additions to related party loans	$ 1.2

Financial Instruments with Of_3

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Other Liabilities
Financial instruments, whose contract amounts represent credit risk
Liability recorded for expected credit losses on unfunded commitments	$ 67,200	$ 30,500
Standby letters of credit
Financial instruments, whose contract amounts represent credit risk
Expiration period of standby letters of credit	1 year
SCBT
Financial instruments, whose contract amounts represent credit risk
Off balance sheet financial instruments	$ 11,203,142	7,488,135
SCBT \| Commitments to extend credit
Financial instruments, whose contract amounts represent credit risk
Off balance sheet financial instruments	11,109,260	7,416,311
SCBT \| Standby letters of credit and financial guarantees
Financial instruments, whose contract amounts represent credit risk
Off balance sheet financial instruments	$ 93,882	$ 71,824

Fair Value - Assets and liabili

Fair Value - Assets and liabilities measured at fair value on a recurring basis (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2022	Dec. 31, 2021	Jun. 30, 2022
Fair Value
Percentage of loans individually evaluated based on fair value of collateral	57%	57%
Fair value assets, level 1 to level 2 transfers amount	$ 0	$ 0	$ 0
Fair value assets, level 2 to level 1 transfers amount	0	0	0
Fair value liabilities, level 1 to level 2 transfers amount	0	0	0
Fair value liabilities, level 2 to level 1 transfers amount	0	0	0
Assets
Derivative financial instruments	209,800	209,800	408,800
Trading securities	31,263	31,263	77,689
Securities available for sale	5,326,822	5,326,822	5,193,478
SBA servicing asset	6,100	6,100
Liabilities
Derivative financial instruments	1,000,000	1,000,000	287,200
Atlantic Capital
Changes in fair value of assets
SBA Servicing asset acquired				$ 3,200
U.S. Treasuries
Assets
Securities available for sale	265,638	265,638
U.S. Government agencies
Assets
Trading securities	11,190	11,190	5,154
Securities available for sale	219,088	219,088	97,117
Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities			6,853
Securities available for sale	1,698,353	1,698,353	1,831,039
Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Trading securities	4,589	4,589	29,667
Securities available for sale	1,000,398	1,000,398	1,207,241
State and municipal obligations
Assets
Trading securities	13,993	13,993	20,798
Securities available for sale	1,064,852	1,064,852	812,689
Corporate securities.
Assets
Securities available for sale	32,638	32,638	18,734
Significant Other Observable Inputs (Level 2)
Assets
Loans held for sale	28,968	28,968	191,723
Trading securities	31,263	31,263	77,689
Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	86,610	86,610	65,620
SBA servicing asset	6,068	6,068
Changes in fair value of assets
Changes in hierarchy classifications of Level 3 assets		0
Changes in hierarchy classifications of Level 3 liabilities		0
Recurring basis
Assets
Derivative financial instruments	211,016	211,016	414,742
Loans held for sale	28,968	28,968	191,723
Trading securities	31,263	31,263	77,689
Securities available for sale	5,326,822	5,326,822	5,193,478
Mortgage servicing rights	86,610	86,610	65,620
SBA servicing asset	6,068	6,068
Fair value of Assets, Total	5,690,747	5,690,747	5,943,252
Liabilities
Derivative financial instruments	1,034,143	1,034,143	288,561
Recurring basis \| U.S. Treasuries
Assets
Securities available for sale	265,638	265,638
Recurring basis \| U.S. Government agencies
Assets
Securities available for sale	219,088	219,088
Recurring basis \| Government-sponsored entities debt
Assets
Securities available for sale			97,117
Recurring basis \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,698,353	1,698,353	1,831,039
Recurring basis \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	601,045	601,045	725,995
Recurring basis \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,000,398	1,000,398	1,207,241
Recurring basis \| State and municipal obligations
Assets
Securities available for sale	1,064,852	1,064,852	812,689
Recurring basis \| Mortgage-backed securities
Assets
Securities available for sale	444,810	444,810	500,663
Recurring basis \| Corporate securities.
Assets
Securities available for sale	32,638	32,638	18,734
Recurring basis \| Significant Other Observable Inputs (Level 2)
Assets
Derivative financial instruments	211,016	211,016	414,742
Loans held for sale	28,968	28,968	191,723
Trading securities	31,263	31,263	77,689
Securities available for sale	5,326,822	5,326,822	5,193,478
Fair value of Assets, Total	5,598,069	5,598,069	5,877,632
Liabilities
Derivative financial instruments	1,034,143	1,034,143	288,561
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Treasuries
Assets
Securities available for sale	265,638	265,638
Recurring basis \| Significant Other Observable Inputs (Level 2) \| U.S. Government agencies
Assets
Securities available for sale	219,088	219,088
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Government-sponsored entities debt
Assets
Securities available for sale			97,117
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,698,353	1,698,353	1,831,039
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Residential Collateralized Mortgage-Obligations Issued By U.S. Government Agencies Or Sponsored Enterprises [Member]
Assets
Securities available for sale	601,045	601,045	725,995
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Commercial mortgage-backed securities issued by U.S. government agencies or sponsored enterprises
Assets
Securities available for sale	1,000,398	1,000,398	1,207,241
Recurring basis \| Significant Other Observable Inputs (Level 2) \| State and municipal obligations
Assets
Securities available for sale	1,064,852	1,064,852	812,689
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Mortgage-backed securities
Assets
Securities available for sale	444,810	444,810	500,663
Recurring basis \| Significant Other Observable Inputs (Level 2) \| Corporate securities.
Assets
Securities available for sale	32,638	32,638	18,734
Recurring basis \| Significant Unobservable Inputs (Level 3)
Assets
Mortgage servicing rights	86,610	86,610	65,620
SBA servicing asset	6,068	6,068
Fair value of Assets, Total	92,678	$ 92,678	$ 65,620
Changes in fair value of assets
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]		Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax
Unrealized losses included in accumulated other comprehensive (loss) income related to Level 3 financial assets and liabilities		$ 0	$ 0
Recurring basis \| Significant Unobservable Inputs (Level 3) \| Mortgage Servicing Rights
Changes in fair value of assets
Fair value of assets at the beginning of the period		65,620	43,820
Servicing assets that resulted from transfers of financial assets		16,002	26,733
Changes in fair value assets due to valuation inputs or assumptions		14,886	4,932
Changes in fair value due to decay		(9,898)	(9,865)
Fair value of assets at the end of the period	86,610	86,610	$ 65,620
Recurring basis \| Significant Unobservable Inputs (Level 3) \| SBA servicing asset
Changes in fair value of assets
Fair value of assets at the beginning of the period	7,369
Servicing assets that resulted from transfers of financial assets	1,273
Changes in fair value assets due to valuation inputs or assumptions	$ (729)
Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax
Changes in fair value due to decay	$ (1,845)
Fair value of assets at the end of the period	$ 6,068	$ 6,068

Fair Value - Assets and liabi_2

Fair Value - Assets and liabilities measured at fair value on a nonrecurring basis (Details) $ in Thousands	Dec. 31, 2022 USD ($) item	Dec. 31, 2021 USD ($) item
Fair Value
OREO	$ 1,023	$ 2,736
Individually evaluated loans	104,225	75,418
Nonrecurring basis \| OREO \| Fair Value
Fair Value
OREO	1,023	2,736
Nonrecurring basis \| Bank property held for sale \| Fair Value
Fair Value
Bank property held for sale	17,754	9,578
Nonrecurring basis \| Non-acquired impaired loans \| Fair Value
Fair Value
Individually evaluated loans	$ 56,719	$ 20,802
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember, us-gaap:ValuationTechniqueDiscountedCashFlowMember	us-gaap:MarketApproachValuationTechniqueMember, us-gaap:ValuationTechniqueDiscountedCashFlowMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputDiscountRateMember	us-gaap:MeasurementInputDiscountRateMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Impaired loans \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent) \| item	0.31	0.09
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO
Fair Value
OREO	$ 1,023	$ 2,736
Quantitative Information about Level 3 Fair Value Measurements
Long-term Debt, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Long-term Debt, Measurement Input [Extensible List]	us-gaap:MeasurementInputCostToSellMember, us-gaap:MeasurementInputDiscountRateMember	us-gaap:MeasurementInputCostToSellMember, us-gaap:MeasurementInputDiscountRateMember
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| OREO \| Weighted average
Quantitative Information about Level 3 Fair Value Measurements
Discount rate (as a percent) \| item	0.16	0.24
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Bank property held for sale
Fair Value
Bank property held for sale	$ 17,754	$ 9,578
Nonrecurring basis \| Significant Unobservable Inputs (Level 3) \| Non-acquired impaired loans
Fair Value
Individually evaluated loans	$ 56,719	$ 20,802

Fair Value - Estimated fair val

Fair Value - Estimated fair value and related carrying amount, of the Company's financial instruments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Trading securities	$ 31,263	$ 77,689
SBA servicing asset	6,100
Financial liabilities:
Other borrowings	392,275
Other derivative financial instruments (mortgage banking related)	741,583	(516,271)	$ (113,788)
Carrying Amount
Financial assets:
Cash and cash equivalents	1,312,563	6,721,571
Trading securities	31,263	77,689
Investment securities	8,189,780	7,173,947
Loans held for sale	28,968	191,723
Loans, net of allowance for credit losses	29,821,418	23,626,359
Accrued interest receivable	134,594	90,069
Mortgage servicing rights	86,610	65,620
SBA servicing asset	6,068
Interest rate swap - non-designated hedge	210,216	408,776
Other derivative financial instruments (mortgage banking related)	$ 800	$ 5,966
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent	Derivative Asset, Noncurrent
Financial liabilities:
Deposits	$ 36,350,623	$ 35,054,829
Federal funds purchased and securities sold under agreements to repurchase	556,417	781,239
Other borrowings	392,275	327,066
Accrued interest payable	6,218	3,345
Interest rate swap - non-designated hedge	1,033,980	288,561
Other derivative financial instruments (mortgage banking related)	163
Fair Value
Financial assets:
Cash and cash equivalents	1,312,563	6,721,571
Trading securities	31,263	77,689
Investment securities	7,756,707	7,132,110
Loans held for sale	28,968	191,723
Loans, net of allowance for credit losses	29,329,499	23,921,372
Accrued interest receivable	134,594	90,069
Mortgage servicing rights	86,610	65,620
Interest rate swap - non-designated hedge	210,216	408,776
Other derivative financial instruments (mortgage banking related)	$ 800	$ 5,966
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent	Derivative Asset, Noncurrent
Financial liabilities:
Deposits	$ 36,264,401	$ 35,050,516
Federal funds purchased and securities sold under agreements to repurchase	556,417	781,239
Other borrowings	377,360	334,640
Accrued interest payable	6,218	3,345
Interest rate swap - non-designated hedge	1,033,980	288,561
Other derivative financial instruments (mortgage banking related)	163
Commitments to extend credit \| Fair Value
Financial liabilities:
Commitments to extend credit	(184,801)	93,501
Quoted Prices In Active Markets for Identical Assets (Level 1)
Financial assets:
Cash and cash equivalents	1,312,563	6,721,571
Investment securities	179,717	160,568
Significant Other Observable Inputs (Level 2)
Financial assets:
Trading securities	31,263	77,689
Investment securities	7,576,990	6,971,542
Loans held for sale	28,968	191,723
Accrued interest receivable	28,449	19,241
Interest rate swap - non-designated hedge	210,216	408,776
Other derivative financial instruments (mortgage banking related)	$ 800	$ 5,966
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Derivative Asset, Noncurrent	Derivative Asset, Noncurrent
Financial liabilities:
Deposits	$ 36,264,401	$ 35,050,516
Federal funds purchased and securities sold under agreements to repurchase	556,417	781,239
Other borrowings	377,360	334,640
Accrued interest payable	6,218	3,345
Interest rate swap - non-designated hedge	1,033,980	288,561
Other derivative financial instruments (mortgage banking related)	163
Significant Other Observable Inputs (Level 2) \| Commitments to extend credit
Financial liabilities:
Commitments to extend credit	(184,801)	93,501
Significant Unobservable Inputs (Level 3)
Financial assets:
Loans, net of allowance for credit losses	29,329,499	23,921,372
Accrued interest receivable	106,145	70,828
Mortgage servicing rights	86,610	$ 65,620
SBA servicing asset	$ 6,068

Regulatory Matters (Details)

Regulatory Matters (Details) $ in Thousands		3 Months Ended			12 Months Ended
Regulatory Matters (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Mar. 31, 2022 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Jan. 01, 2020 USD ($)	Dec. 31, 2019 USD ($)	Jan. 01, 2019
Capital ratios
Capital conversion buffer common equity Tier 1 of risk-weighted assets (as a percent)										2.50%
Additional allowance for credit losses for loans					$ 356,444	$ 301,807	$ 457,309		$ 56,927
Deferred tax assets					177,801	64,964
Retained earnings					$ 1,347,042	997,657
Phasing out percentage					25%
Trust preferred securities redeemed						39,900
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount					$ 3,788,106	$ 3,201,644
Actual, Ratio (as a percent)					0.1096%	0.1176%
Required to be considered well capitalized, Capital Amount					$ 2,247,530	$ 1,769,049
Required to be considered well capitalized, Ratio (as a percent)					0.065%	0.065%
Tier I capital to risk-weighted assets
Actual, Capital Amount					$ 3,788,106	$ 3,201,644
Actual, Ratio (as a percent)					0.1096	0.1176
Minimum capital required, Capital Amount					$ 2,766,190	$ 2,177,291
Minimum capital required, Ratio (as a percent)					0.0800	0.0800
Total capital to risk-weighted assets
Actual, Capital Amount					$ 4,485,397	$ 3,692,674
Actual, Ratio (as a percent)					0.1297	0.1357
Required to be considered well capitalized, Capital Amount					$ 3,457,738	$ 2,721,613
Required to be considered well capitalized, Ratio (as a percent)					0.1000	0.1000
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount					$ 3,788,106	$ 3,201,644
Actual, Ratio (as a percent)					0.0872	0.0808
Required to be considered well capitalized, Capital Amount					$ 2,171,239	$ 1,980,756
Required to be considered well capitalized, Ratio (as a percent)					0.0500	0.0500
Adjustments
Capital ratios
Additional allowance for credit losses for loans									111,365
Common equity Tier 1 to risk-weighted assets
Actual, Ratio (as a percent)						0.0001%
Total capital to risk-weighted assets
Actual, Ratio (as a percent)						0.0001
Tier I capital to average assets (leverage ratio)
Actual, Ratio (as a percent)						0.0003
ASU 2016-13
Capital ratios
Additional allowance for credit losses for loans								$ 54,400
Deferred tax assets								12,600
Retained earnings								44,800
ASU 2016-13 \| Adjustments
Capital ratios
Additional allowance for credit losses for loans							$ 109,442		$ 51,030
Additional reserve for unfunded commitments								$ 6,400
Subordinated Debt.
Capital ratios
Trust preferred securities redeemed	$ 13,000	$ 13,000		$ 25,000
Amount of redemption of subordinated debt qualify for tier 2 capital			$ 13,000
Atlantic Capital \| Subordinated Debt.
Capital ratios
Amount of subordinated debt assumed qualify as Tier 2 capital			$ 75,000
SouthState Bank (the Bank)
Common equity Tier 1 to risk-weighted assets
Actual, Capital Amount					$ 4,074,045	$ 3,431,069
Actual, Ratio (as a percent)					0.118%	0.1263%
Required to be considered well capitalized, Capital Amount					$ 2,244,481	$ 1,765,448
Required to be considered well capitalized, Ratio (as a percent)					0.065%	0.065%
Tier I capital to risk-weighted assets
Actual, Capital Amount					$ 4,074,045	$ 3,431,069
Actual, Ratio (as a percent)					0.1180	0.1263
Minimum capital required, Capital Amount					$ 2,762,438	$ 2,172,859
Minimum capital required, Ratio (as a percent)					0.0800	0.0800
Total capital to risk-weighted assets
Actual, Capital Amount					$ 4,381,336	$ 3,594,099
Actual, Ratio (as a percent)					0.1269	0.1323
Required to be considered well capitalized, Capital Amount					$ 3,453,047	$ 2,716,074
Required to be considered well capitalized, Ratio (as a percent)					0.1000	0.1000
Tier I capital to average assets (leverage ratio)
Actual, Capital Amount					$ 4,074,045	$ 3,431,069
Actual, Ratio (as a percent)					0.0939	0.0868
Required to be considered well capitalized, Capital Amount					$ 2,170,412	$ 1,977,216
Required to be considered well capitalized, Ratio (as a percent)					0.0500	0.0500
SouthState Bank (the Bank) \| Adjustments
Common equity Tier 1 to risk-weighted assets
Actual, Ratio (as a percent)						0.0001%
Total capital to risk-weighted assets
Actual, Ratio (as a percent)						0.0001
Tier I capital to average assets (leverage ratio)
Actual, Ratio (as a percent)						0.0003
Fully Phased-In
Common equity Tier 1 to risk-weighted assets
Minimum capital required, Capital Amount					$ 2,420,417	$ 1,905,129
Minimum capital required, Ratio (as a percent)					0.07%	0.07%
Tier I capital to risk-weighted assets
Required to be considered well capitalized, Capital Amount					$ 2,939,077	$ 2,313,371
Required to be considered well capitalized, Ratio (as a percent)					0.0850	0.0850
Total capital to risk-weighted assets
Minimum capital required, Capital Amount					$ 3,630,625	$ 2,857,694
Minimum capital required, Ratio (as a percent)					0.1050	0.1050
Tier I capital to average assets (leverage ratio)
Minimum capital required, Capital Amount					$ 1,736,991	$ 1,584,605
Minimum capital required, Ratio (as a percent)					0.0400	0.0400
Fully Phased-In \| SouthState Bank (the Bank)
Common equity Tier 1 to risk-weighted assets
Minimum capital required, Capital Amount					$ 2,417,133	$ 1,901,252
Minimum capital required, Ratio (as a percent)					0.07%	0.07%
Tier I capital to risk-weighted assets
Required to be considered well capitalized, Capital Amount					$ 2,935,090	$ 2,308,663
Required to be considered well capitalized, Ratio (as a percent)					0.0850	0.0850
Total capital to risk-weighted assets
Minimum capital required, Capital Amount					$ 3,625,700	$ 2,851,878
Minimum capital required, Ratio (as a percent)					0.1050	0.1050
Tier I capital to average assets (leverage ratio)
Minimum capital required, Capital Amount					$ 1,736,330	$ 1,581,773
Minimum capital required, Ratio (as a percent)					0.0400	0.0400
Minimum
Common equity Tier 1 to risk-weighted assets
Actual, Ratio (as a percent)					4.50%
Tier I capital to risk-weighted assets
Required to be considered well capitalized, Ratio (as a percent)					0.06
Total capital to risk-weighted assets
Actual, Ratio (as a percent)					0.04
Tier I capital to average assets (leverage ratio)
Actual, Ratio (as a percent)					0.08

Condensed Financial Statement_3

Condensed Financial Statements of Parent Company - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets:
Other Assets.	$ 515,601	$ 438,827
Total assets	43,918,696	41,838,456
Corporate and subordinated debentures	392,275	327,066
Other Liabilities.	443,096	553,311
Shareholders' equity	5,074,927	4,802,940	$ 4,647,880	$ 2,373,013
Total liabilities and shareholders' equity	43,918,696	41,838,456
Parent company \| Reportable Legal Entities
Assets:
Cash	89,069	81,051
Investment in subsidiaries	5,368,525	5,039,776
Other Assets.	12,555	10,556
Total assets	5,470,149	5,131,383
Corporate and subordinated debentures	392,275	327,066
Other Liabilities.	2,947	1,377
Shareholders' equity	5,074,927	4,802,940
Total liabilities and shareholders' equity	$ 5,470,149	$ 5,131,383

Condensed Financial Statement_4

Condensed Financial Statements of Parent Company - Condensed Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Income:
Income before provision for (benefit of) income taxes	$ 633,362	$ 604,279	$ 103,972
Applicable income tax benefit	(137,313)	(128,736)	16,660
Net income	496,049	475,543	120,632
Parent company \| Reportable Legal Entities
Income:
Dividends from subsidiaries	220,124	200,083	90,404
Operating income	(68)	25	52
Total income	220,056	200,108	90,456
Operating expenses	30,514	40,727	45,574
Income before provision for (benefit of) income taxes	189,542	159,381	44,882
Applicable income tax benefit	6,649	9,053	8,960
Equity in undistributed earnings of subsidiaries	299,858	307,109	66,790
Net income	$ 496,049	$ 475,543	$ 120,632

Condensed Financial Statement_5

Condensed Financial Statements of Parent Company - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income	$ 496,049	$ 475,543	$ 120,632
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	64,591	63,137	46,367
Share-based compensation	35,638	25,721	23,318
Extinguishment of debt cost		11,706
Decrease (increase) in other assets	147	(79,312)	27,365
Decrease in other liabilities	(144,181)	119,120	74,079
Net cash provided by operating activities	1,730,893	415,689	536,943
Cash flows from investing activities:
Net cash inflow from acquisitions	250,115		2,566,376
Net cash inflow from acquisitions		39,929
Net cash (used in) provided by investing activities	(4,860,396)	(2,319,261)	1,229,778
Cash flows from financing activities:
Repayment of other borrowings	(13,000)	(100,878)	(1,200,103)
Common stock issuance	2,858	2,384	1,537
Common stock repurchased	(119,330)	(147,421)	(32,431)
Dividends paid	(146,664)	(135,337)	(98,256)
Stock options exercised	1,585	2,905	1,681
Net cash (used in) provided by financing activities	(2,279,505)	4,015,888	2,153,830
Net (decrease) increase in cash and cash equivalents	(5,409,008)	2,112,316	3,920,551
Cash and cash equivalents at beginning of period	6,721,571	4,609,255	688,704
Cash and cash equivalents at end of period	1,312,563	6,721,571	4,609,255
Parent company \| Reportable Legal Entities
Cash flows from operating activities:
Net income	496,049	475,543	120,632
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	(208)	1,382	1,528
Share-based compensation	35,638	25,721	23,316
Extinguishment of debt cost		11,706
Decrease (increase) in other assets	(375)	5,690	(11,710)
Decrease in other liabilities	(243)	(3,648)	(12,323)
Undistributed earnings of subsidiaries	(299,858)	(307,109)	(66,790)
Net cash provided by operating activities	231,003	209,285	54,653
Cash flows from investing activities:
Repayment of investments in and advances to subsidiaries		93,591	163,000
Net cash inflow from acquisitions	51,566		19,650
Net cash (used in) provided by investing activities	51,566	93,591	182,650
Cash flows from financing activities:
Repayment of other borrowings	(13,000)	(75,878)
Common stock issuance	2,858	2,384	1,537
Common stock repurchased	(119,330)	(147,421)	(32,431)
Dividends paid	(146,664)	(135,337)	(98,256)
Stock options exercised	1,585	2,905	1,681
Net cash (used in) provided by financing activities	(274,551)	(353,347)	(127,469)
Net (decrease) increase in cash and cash equivalents	8,018	(50,471)	109,834
Cash and cash equivalents at beginning of period	81,051	131,522	21,688
Cash and cash equivalents at end of period	$ 89,069	$ 81,051	$ 131,522

Derivative Financial Instrume_3

Derivative Financial Instruments (Details) - USD ($)	12 Months Ended
Derivative Financial Instruments (Details) - USD ($)	Dec. 31, 2022	Dec. 31, 2021
Derivative Financial Instruments
Notional Amount	$ 20,979,193,000	$ 21,351,715,000
Estimated Fair Value Gain	$ 211,016,000	$ 414,742,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Estimated Fair Value Loss	$ 1,034,143,000	$ 288,561,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Cash flow hedge liability	$ 0	$ 0
Gain or loss recorded	$ 174,000	0
Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other
Fair value of the interest rate swap derivatives, other assets	$ 209,800,000	408,800,000
Reduction in derivative asset fair value	824,300,000
Fair value of the interest rate swap derivatives, other liabilities	1,000,000,000	287,200,000
Reduction in derivative liability fair value		121,600,000
Estimated gain (loss) on fair value	(163,000)	1,200,000
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Fair value of forward commitments	(1,034,143,000)	(288,561,000)
Mortgage loan pipeline
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	40,850,000,000	264,000,000,000
Expected closures
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	37,210,000,000	233,265,000,000
Cash flow hedge
Derivative Financial Instruments
Collateral provided	0	0
Cash flow hedge \| Borrower
Derivative Financial Instruments
Collateral provided	183,700,000
Cash flow hedge \| Interest-bearing deposits \| Counterparty
Derivative Financial Instruments
Cash collateral	166,300,000
Interest rate contracts
Derivative Financial Instruments
Notional Amount	20,900,000,000	20,800,000,000
Mortgage servicing rights hedging \| Non-designated hedges
Derivative Financial Instruments
Notional Amount	35,000,000	205,000,000
Mortgage servicing rights hedging \| Non-designated hedges \| Other Assets and Other Liabilities
Derivative Financial Instruments
Notional Amount	$ 35,000,000	205,000,000
Estimated Fair Value Gain		$ 1,228,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Estimated Fair Value Loss	$ 163,000
Mortgage loan pipeline commitments hedging
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	524,000,000	$ 4,759,000,000
Mortgage loan pipeline commitments hedging \| Non-designated hedges \| Other Assets
Derivative Financial Instruments
Notional Amount	51,000,000	324,000,000
Estimated Fair Value Gain	$ 800,000	$ 4,738,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Forward commitments
Obligation under forward commitments, the fair value of those obligations along with the fair value of derivative instruments associated with forward commitments
Obligation	$ 51,000,000,000	$ 324,000,000,000
Fair value of forward commitments	276,000,000	(21,000,000)
Customer swaps \| Cash flow hedge
Derivative Financial Instruments
Collateral provided	114,900,000
Interest rate swap \| Fair Value Hedging \| Counterparty
Derivative Financial Instruments
Notional Amount	12,300,000	15,700,000
Interest rate swap \| Fair Value Hedging \| Other Liabilities \| Counterparty
Derivative Financial Instruments
Notional Amount	12,289,000	15,716,000
Estimated Fair Value Gain	$ 414,000
Estimated Fair Value Loss		$ 1,355,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent	Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Borrower
Derivative Financial Instruments
Notional Amount	$ 10,480,171,000	$ 10,404,605,000
Estimated Fair Value Gain	$ 8,539,000	$ 408,776,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Estimated Fair Value Loss	$ 1,033,980,000	$ 69,998,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Interest rate swap \| Non-designated hedges \| Other Assets and Other Liabilities \| Counterparty
Derivative Financial Instruments
Notional Amount	$ 10,400,733,000	$ 10,402,394,000
Estimated Fair Value Gain	$ 201,263,000
Derivative, Gain, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Estimated Fair Value Loss		$ 217,208,000
Derivative, Loss, Statement of Income or Comprehensive Income [Extensible Enumeration]	Noninterest Income, Other	Noninterest Income, Other
Foreign exchange contract
Derivative Financial Instruments
Gain or loss recorded	$ 0	$ 0

Mortgage Loan Servicing, Orig_3

Mortgage Loan Servicing, Origination, and Loans Held for Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Mortgage servicing rights	$ 86,610	$ 65,620
Changes in the fair value of MSRs and its offsetting hedge.
Increase in fair value of MSRs	$ 14,886	$ 9,930	$ (7,421)
Servicing Asset, Fair Value, Change in Fair Value, Valuation Input, Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax
Decay of MSRs	$ (9,897)	$ (14,863)	$ (8,793)
Loss related to derivatives	(18,212)	(4,892)	10,177
Net effect on Consolidated Statements of Income	$ (13,223)	$ (9,825)	$ (6,037)
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%	100%
Weighted average life (in years)	8 years 4 months 13 days	7 years 4 months 6 days
Constant Prepayment rate (CPR) (as a percent)	6.40%	8.40%
Weighted average discount rate (as a percent)	10%	9%
Effect on fair value due to change in interest rates:
25 basis point increase	$ 774	$ 3,961
50 basis point increase	1,428	7,261
25 basis point decrease	(902)	(4,371)
50 basis point decrease	(1,938)	(8,966)
MSRs
Effect on fair value due to change in interest rates:
Custodial escrow balances maintained in connection with the loan servicing	$ 29,200	$ 29,600
Fixed-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others	100%	99.90%
Adjustable-rate mortgage loans
Characteristics and sensitivity analysis of the MSR
Composition of residential loans serviced for others		0.10%
First Financial Holdings, Inc. ("First Financial")
Mortgage Loan Servicing, Origination, and Loans Held for Sale
Residential mortgages serviced for others	$ 6,600,000	$ 6,100,000
Contractually specified servicing fees earned	$ 16,200	$ 14,100
Contractually Specified Servicing Fee Income, Statement of Income or Comprehensive Income [Extensible Enumeration]	Revenue from Contract with Customer, Excluding Assessed Tax	Revenue from Contract with Customer, Excluding Assessed Tax
First Financial Holdings, Inc. ("First Financial") \| MSRs
Analysis of the activity in the MSRs
Balance at beginning of the period	$ 65,600
Balance at end of period	$ 86,600	$ 65,600

Mortgage Loan Servicing, Orig_4

Mortgage Loan Servicing, Origination, and Loans Held for Sale - Mandatory cash forwards (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loan sales	$ 1,600,000	$ 3,100,000
Loan securitizations and loan sales	$ 1,200,000	$ 2,400,000
Percentage of loan securitizations and loan sales	76.70%	76.80%
Loans held for sale	$ 28,968	$ 191,723
Residential mortgage loans awaiting sale in secondary market \| Minimum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period	15 days
Residential mortgage loans awaiting sale in secondary market \| Maximum
Mortgage loan securitizations, mandatory cash forwards, and whole loan sales
Loans held for sale, settlement period	45 days

Investments in Qualified Affo_2

Investments in Qualified Affordable Housing Projects (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Investments in Qualified Affordable Housing Projects
Tax credits and other tax benefits	$ 16.1	$ 13.7
Amortization	9.7	9.9
Carrying value	100	99.5
Original investment value	159.2	140.8
Funding obligation	7.1	$ 15.6
Amount repaid	$ 0

Subsequent Events (Details)

Subsequent Events (Details) - $ / shares			12 Months Ended
Subsequent Events (Details) - $ / shares	Feb. 17, 2023	Jan. 26, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Subsequent events
Cash dividends declared (in dollars per share)			$ 1.98	$ 1.92	$ 1.88
Subsequent event
Subsequent events
Cash dividends declared (in dollars per share)		$ 0.50
Cash dividends paid (in dollars per share)	$ 0.50