SouthState Bank, National Association
Headquartered in WINTER HAVEN, FL. Analysis based on 2,076 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.41B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
SouthState Bank, National Association ranks #22 by charge-off rate (0.69%).
Total 7(a) loans
2,076
Total approved
$1.41B
Average loan
$679K
States funded in
40
Charge-off rate
0.69%
FY2020–FY2023 cohort
Paid-in-full rate
24.29%
Average rate
8.26%
Average term
150 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 110 |
| 722513 | Limited-Service Restaurants | 95 |
| 238990 | All Other Specialty Trade Contractors | 47 |
| 621310 | Offices of Chiropractors | 46 |
| 624410 | Child Day Care Services | 46 |
| 811111 | General Automotive Repair | 45 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 39 |
| 621210 | Offices of Dentists | 39 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 35 |
| 713940 | Fitness and Recreational Sports Centers | 32 |
Top 10 states
| State | Loans |
|---|---|
| FL | 607 |
| TX | 323 |
| GA | 305 |
| CO | 204 |
| SC | 146 |
| NC | 144 |
| VA | 75 |
| AL | 58 |
| TN | 31 |
| MD | 28 |
Top franchise brands financed
342 franchise loans across 172 distinct brands.
| Franchise | Loans |
|---|---|
| The Joint...The Chiropractic P | 18 |
| Tint World | 11 |
| Tropical Smoothie Cafe | 10 |
| Batteries Plus | 10 |
| Firehouse Subs | 10 |
| Christian Brothers Automotive | 9 |
| Jersey Mike's | 7 |
| Dogtopia | 7 |
| Nothing Bundt Cakes | 7 |
| The Little Gym | 6 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.