SouthState Bank Corporation (SSB) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to South State Bank Corporation's Q4 2025 earnings conference call. All participants are in a listen-only mode. After the speaker's remarks, we'll conduct a question and answer session. To ask a question at this time, you'll need to press star followed by the number one on your telephone keypad. As a reminder, this conference call is being recorded. I would now like to turn the call over to Will Matthews. Will Matthews, thank you. Please go ahead. Good morning. This is Will Matthews, and welcome to South State's fourth quarter 2025 earnings call. I'm here with John Corbett, Steve Young, and Jeremy Lucas. We'll make some brief prepared remarks and then move into Q&A. I'll also refer you to the earnings release investor presentation under the investor relations tab of our website. Before we begin our remarks, I want to remind you that the comments we make may include forward-looking statements within the meaning of the federal securities laws and regulations. Any such forward-looking statements we may make are subject to the safe harbor rules. Please review the forward-looking disclaimer and safe harbor language in the press release and presentation for more information about our forward-looking statements and risk and uncertainties which may affect us. Now I'll turn the call over to you, John. Thank you, Will. Good morning, everybody. Thanks for joining us. As we wrap up the year, I'm really proud of what the South State team accomplished in 2025. Two years ago, we were deep into the due diligence phase of the independent financial deal. And it was a big transformational move for us to do a deal that size and expand westward into new markets in Texas and Colorado. Now, over a several-year period, I developed a friendship with David Brooks, ind...