财报电话会议2022年第4季度2023年1月27日展示99.2

DISCLAIMER2Statementsincludedinthiscommunication，在本质上被认为是，并被识别为：forward-lookingstatementsforpurposesofthesafeharborprovidedbySection27AoftheSecuritiesActof1933andSection21EoftheSecuritiesExchangeActof1934.Forward-lookingstatementsarebasedon，，管理的信念，假设，当前期望，estimatesandprojectionsaboutthefinancialservicesindustry，theeconomyandSouthState.Wordsandphrasessuchas“may，，“大约”，“继续”，“应该”，“预期”，“项目，”“预期”，“可能”，“向前看”，“向前看”，“相信”，“将”，“打算”，“估计”，“战略，”“计划，”“可能，”“潜在的，”，”“possible”andvariationsofsuchwordsandsimilarexpressionsareintendedtoidentifysuchforward-lookingstatements. SouthStatecautionsreadersthatforward-lookingstatementsaresubjecttocertainrisks，uncertaintiesandassumptionsthataredifficulttopredictwithregardto，whichcouldcauseactualresultstodiffermateriallyfromanticipatedresults.Suchrisks，的不确定性和假设包括：(1)经济下行风险、potentiallyresultingindeteriorationinthecreditmarkets，通货膨胀、高于预期的非利息支出、excessiveloanlossesandothernegativeconsequences，whichriskscouldbeexacerbatedbypotentialcontinuednegativeeconomicdevelopmentsresultingfromtheCovid19pandemic，orfromfederalspendingcutsand/oroneormorefederalbudget-relatedimpassesoractions；(2)interestrateriskprimarilyresultingfromtheinterestrateenvironment，数量和利率增加，它们限制了银行的收入，includingfromthecorrespondentandmortgagedivisions，住房需求，themarketvalueofthebank’sloanandsecuritiesportfolios，andthemarketvalueofSouthState’sequity；(3)risksrelatedtothemergerandintegrationofSouthStateandAtlanticCapitalincluding, 除其他外，(i)theriskthatthecostsavingsandanyrevenuesynergiesfromthemergermaynotbefullyrealizedormaytakelongerthananticipatedtoberealized，(ii)theriskthattheintegrationofAtlanticCapital’soperationsintoSouthState’soperationswillbemorecostlyordifficultthanexpectedorthatthepartiesareotherwiseunabletosuccessfullyintegrateAtlanticCapital’sbusinessesintoSouthState’sbusinesses，(Iii)与制造商、and(iv)reputationalriskandthereactionofeachcompany‘scustomers，供应商、employeesorotherbusinesspartnerstothemerger；(4)risksrelatingtothecontinuedimpactoftheCovid19pandemicontheCompany，includingtoefficienciesandthecontrolenvironmentduetothechangingworkenvironment；(5)theimpactofincreasingdigitizationofthebankingindustryandmovementofcustomerstoon-lineplatforms，andthepossibleimpactontheBank’sresultsofoperations，客户群、费用、suppliersandoperations；(6)controlsandproceduresrisk，includingthepotentialfailureorcircumventionofourcontrolsandproceduresorfailuretocomplywithregulationsrelatedtocontrolsandprocedures；(7)potentialdeteriorationinrealestatevalues； (8)theimpactofcompetitionwithotherfinancialinstitutions，includingdepositandloanpricingpressures(includingthoseresultingfromtheCARESAct)andtheresultingimpact，includingasaresultofcompressiontonetinterestmargin；(9)risksrelatingtotheabilitytoretainourcultureandattractandretainqualifiedpeople；(10)creditrisksassociatedwithanobligor’sfailuretomeetthetermsofanycontractwiththeBankorotherwisefailtoperformasagreedunderthetermsofanyloan-relateddocument；(11)risksrelatedtotheabilityoftheCompanytopursueitsstrategicplanswhichdependuponcertaingrowthgoalsinourlinesofbusiness；(12)liquidityriskaffectingtheBank’sabilitytomeetitsobligationswhentheycomedue；(13)risksassociatedwithananticipatedincreaseinSouthState’sinvestmentsecuritiesportfolio相关的费用、费用和收费, IncludingrisksassociatedwithacquiringandholdinginvestmentsecuritiesorpotentiallydeterminingthattheamountofinvestmentsecuritiesSouthStatedesirestoacquirearenotavailableontermsacceptabletoSouthState；(14)priceriskfocusingonchangesinmarketfactorsthatmayaffectthevalueoftradedinstrumentsin“mark-to-market”portfolios；(15)transactionriskarisingfromproblemswithserviceorproductdelivery；(16)complianceriskinvolvingrisktoearningsorcapitalresultingfromviolationsofornonconformancewithlaws，规则、条例、规定的做法、orethicalstandards；(17)regulatorychangeriskresultingfromnewlaws，规则、条例、会计原则、禁止的做法和标准，包括但不限于，thepossibilitythatregulatoryagenciesmayrequirehigherlevelsofcapitalabovethecurrentregulatory-mandatedminimumsandincludingtheimpactoftheCARESAct，theConsumerFinancialProtectionBureauregulations，andthepossibilityofchangesinaccountingstandards，政策、原则和做法、includingchangesinaccountingprinciplesrelatingtoloanlossrecognition(CECL)；(18)strategicriskresultingfromadversebusinessdecisionsorimproperimplementationofbusinessdecisions；(19)reputationriskthatadverselyaffectsearningsorcapitalarisingfromnegativepublicopinion；(20)cybersecurityriskrelatedtothedependenceofSouthStateoninternalcomputersystemsandthetechnologyofoutsideserviceproviders，aswellasthepotentialimpactsofinternalorexternalsecuritybreaches， whichmaysubjectthecompanytopotentialbusinessdisruptionsorfinanciallossesresultingfromdeliberateattacksorunintentionalevents；(21)reputationalandoperationalrisksassociatedwithenvironment，社会和治理事项、includingtheimpactofrecentlyissuedproposedregulatoryguidanceandregulationrelatingtoclimatechange；(22)greaterthanexpectednoninterestexpenses；(23)excessiveloanlosses；(24)potentialdepositattrition，高于预期的成本, CustomerlossandbusinessdisruptionassociatedwiththeAtlanticCapitalintegration，andpotentialdifficultiesinmaintainingrelationshipswithkeypersonnel；(25)reputationalriskandpossiblehigherthanestimatedreducedrevenuefromannouncedchangesintheBank’sconsumeroverdraftprograms；(26)therisksoffluctuationsinmarketpricesforSouthStatecommonstockthatmayormaynotreflecteconomicconditionorperformanceofSouthState；(27)thepaymentofdividendsonSouthStatecommonstock，whichissubjecttolegalandregulatorylimitationsaswellasthediscretionoftheboardofdirectorsofSouthState，SouthState’sperformanceandotherfactors；(28)ownershipdilutionriskassociatedwithpotentialacquisitionsinwhichSouthState’sstockmaybeissuedasconsiderationforanacquiredcompany；(29)operational，技术、文化、监管、法律、creditandotherrisksassociatedwiththeexploration，consummationandintegrationofpotentialfutureacquisitions，whetherinvolvingstockorcashconsideration；(30)majorcatastrophessuchashurricanes，龙卷风、地震、洪水或其他自然灾害或人为灾难，包括传染性疾病的暴发，如持续的Covid19大流行，以及与当地相关的干扰，regionalandglobaleconomicactivityandfinancialmarkets，andtheimpactthatanyoftheforegoingmayhaveonSouthStateanditscustomersandotherconstituencies；(31)terroristactivitiesriskthatresultsinlossofconsumerconfidenceandeconomicdisruptions；and(32)otherfactorsthatmayaffectfutureresultsofSouthState，asdisclosedinSouthState’sAnnualReportonForm10-K，季度报告Form 10-Q和Current Report Form 8-K，filedbySouthStatewiththeU.S.SecuritiesandExchangeCommission(“SEC”)andavailableontheSEC’swebsiteathttp://www.sec.gov，anyofwhichcouldcauseactualresultstodiffermateriallyfromfutureresultsexpressed, Impliedorotherwise anticipatedbysuchforward-lookingstatements. Allforward-lookingstatementsspeakonlyasofthedatetheyaremadeandarebasedoninformationavailableatthattime.SouthStatedoesnotundertakeanyobligationtoupdateorotherwisereviseanyforward-lookingstatements，是否会导致新信息、未来事件或其他情况，exceptasrequiredbyfederalsecuritieslaws.Asforward-lookingstatementsinvolvesignificantrisksanduncertainties，cautionshouldbeexercisedagainstplacingunduerelianceonsuchstatements.

360亿美元的存款 300亿美元的贷款 440亿美元的资产 58亿美元的市场cap(1)FinancialmetricsasofDecember31,2022；marketcapasofJanuary25,2023SouthState公司特许经营概述(1)3(251) 佛罗里达州排名第一#南卡罗来纳州排名第三 福布斯100强美国最佳银行 2022 16格林威治卓越和最佳品牌奖由格林威治联盟颁发 在标普全球排名第30位

本地市场领导者我们的业务模式支持我们服务的社区的独特特征，并鼓励最接近客户的银行家做出决策。长期视野我们像所有者一样思考和行动，并在整个经济周期中衡量成功。我们 将稳健性放在短期盈利和增长之前的优先位置。可重新标记经验我们将通过预测客户的需求并 以紧迫感做出回应，让他们的生活变得更好。我们每个人都有为客户做正确事情的自由、权威和责任。真诚和持久的关系我们以坦率和透明的方式进行沟通。这种关系比交易更有价值。更大的目标我们使我们的团队成员能够追求他们的终极目标--他们的个人信仰、他们的家庭、他们对社区的服务。如何指导原则核心价值观 领导力 为什么要投资于企业家精神、追求卓越和激励更大的目标。4

17.8%13.7%12.8%11.9%8.9%8.3%6.0%FLSCGANCVAU.S.ALActual人口增长2010年至2023年美国最佳增长市场的未来$10.1B$12.2B$1.7B $1.7B$6.9B$11.0B$0.7B$0.5B$6.2B$6.5B $2.7B$2.0B LoansDepositsPOSITIONED 5$280$299$655$736$762$1,403 ALSCVANCGAFL各州GDP(以十亿美元为单位) 5.0%4.3%3.7%3.7%2.6%2.1%1.9%FLSCGANCVAUS预计人口增长2023-2028年$3.2$3.5$4.0$4.1$4.3$18.3$25.0UKIndiaGermanySSB足迹日本中国美国国内生产总值(以万亿美元为单位) 南州6个州的国内生产总值总和将代表 世界第四大经济体。 人口增长(以百万为单位)3.3 0.6 1.2 1.1 0.7 25.8 0.31.00.2 0.4 0.4 0.2 7.20.1截至2012年12月31日的贷款和存款；不包括来自内部账户和国家业务部门的19亿美元贷款和25亿美元存款国家截至2022年的国内生产总值；截至22年第三季度的国家国内生产总值来源：标普全球、国际货币基金组织、美国经济分析局人口增长(百万)

资料来源：美国人口普查局PANDEMIC加速了人口向南方的迁移 南州足迹的净国内移民佛罗里达州622,476北卡罗来纳州211,867 South Carolina165,948Georgia128,089Alabama65,355Virginia-29,775TOTAL1,163,960

投资技巧7·高增长市场·低成本核心存款基础·多元化收入来源·强劲的信贷质量和纪律严明的承销·精力充沛、经验丰富的管理团队，具有企业家精神和所有权文化·拥有资本市场平台和升级的技术解决方案的最大银行的真正替代方案

季度业绩

亮点|链接季度(以百万美元为单位)，除每股数据(1)有关尾注说明，请参阅429 3Q224Q22GAAPNet Income$ 133.0$ 143.5 EPS(摊薄)$ 1.75$ 1.88%平均资产回报率 1.17% 1.28%非公认会计准则(1)平均可变动普通股权益回报率 17.99% 20.17%非公认会计准则，调整后(1)净收益$ 143.7$ 144.7每股收益(摊薄)$ 1.89$ 1.90平均资产回报率 1.27% 1.29%平均可转让普通股股本回报率 19.36% 20.33%

季度亮点|2022年第四季度(1)、(2)和(4)有关结束说明的说明，请参阅从幻灯片开始的收益演示结束说明每股收益(42(3)ExcludingACBIacquisitiondatebalances10•Reported)为1.88美元；调整后稀释每股收益(非GAAP)为1.90美元·拨备前净收入(PPNR)(非GAAP)(2)为2.314亿美元，或2.07%PPNR ROAA(2)·PPNR每股稀释后收益(非GAAP)(2)为3.03美元，较上一季度的2.74美元增长11%，较一年前的1.89美元增长60%·贷款增加13亿美元，折合成年率增长19%；同比增长17%(3)·存款减少5.59亿美元，折合成年率增长6%；总存款成本为0.21%，比上一季度上升13个基点·核心净利息收入(非GAAP)(4)比上一季度增加3600万美元·5.5%的收入增长和0.5%的费用增长在本季度产生5.0%的运营杠杆·调整后的效率比率(非GAAP)(1)从上一季度的50%提高到48%·净冲销87.3万美元，折合成年率0.01%；不包括DDA冲销的净贷款收回；信贷损失准备金(PCL)4710万美元

稀释后每股PPNR(1) $1.89$1.79$2.32$2.74$3.03$1.50$2.00$2.50$3.00$3.504Q211Q222Q223Q224Q22(1)有关结束说明、收益演示结束说明，请从幻灯片4211开始

净息差(1) $244.7$253.8$303.0$352.8$388.6$13.4$7.7$12.8$9.5$7.4$258.1$261.5$315.8$362.3$396.0 2.79% 2.77% 3.12% 3.58% 3.99%2.4%2.8% 3.2% 3.6% 4.0% 4.4% $100$150$200$250$300$350$4004Q211Q222Q223Q224Q22$(百万美元) 不包括净利息收入。增值 净利息收入 净息差 净息差Margin(3)(4Q21-4Q22) Dollarsinmillions(1)For期末说明改善120个基点，请参阅从幻灯片42开始的收益报告期末说明(2)增值包括购买力平价贷款递延费用和贷款贴现增值(3)税额等值12(2)(2)(3)

贷款产生与贷款增长 $7,060$6,583$9,954$13,121$682$(623)$953$4,112($2,000)$1,500$5,000$8,500$12,000$15,5002019202020212022$in百万 贷款生产 贷款组合Growth Dollarsinmillions(1)2022loanproductionexcludesproductionbylegacyACBIfromMarch~July22(pre-coresystemconversion)；2022loanportfoliogrowthexcludesacquisitiondateloanbalancesacquiredfromACBI(2)2019loanproductionexcludesproductionfromNationalBankofCommerce(“NBC”)during1Q19；NationalCommerceCorporation，控股公司of NBC，wasacquiredbyCenterStatein2Q2019(3)ExcludesloansheldforsaleandPPP；loanproductionindicatescommittedbalancetotal；loanportfoliogrowthindicatesannualloanendingbalancegrowth，excludingloansheldforsaleandPPP(4)Forendnotedescriptions，seeEarningsPresentationEndNotesstartingonslide4213(1)(2)(3)(3)(4)(4)(1)

QTD生产(美元mm)$1,381$1,062$693 Refinance31%8%6% Purchase69%92%94% 81%19%4Q22MORTGAGE银行部门 (1)包括管道、LHFS和住房抵押贷款远期14亮点 季度抵押贷款生产 销售利润率收益 ·2022年第四季度抵押贷款银行收入为(54.5万美元)千美元，而2022年第三季度为230万美元·2022年第四季度次级渠道为3900万美元，相比于2022年第三季度的7,600万美元·2022年第四季度记录的MSR减记300万美元2.83%2.87%2.13%2.16%1.36%4Q211Q222Q223Q224Q22抵押银行收入(美元mm) 47%53%4Q21投资组合 二级 78%22%3Q22 4Q213Q224Q22二级市场销售收益，净额$15,417$3,501$460公允价值变动(1)(5,081)(1,968)317二级市场抵押贷款收入总额$10,336$1,533$777 MSR 服务费收入$3,620$4,170$4,160公平值变动/衰退(1,912)(3,441)(5,482) 与MSR相关的收入总额$1,708$729$(1,322) 抵押贷款银行业务收入总额$12,044$2,262$(545)

Cumulative ConsumerR/E Loan Growth ($)$(12)$(98)$(264)$(486)$(625)$(712)$(727)$(653)$(535)$(18)$454$952($300)($150)$0$150$300$450$600 $(12)$(86)$(167)$(221)$(139)$(87)$(15)$73 $119 $517 $472 $498 3.63%3.46%3.25%3.04%3.08%3.00%3.04%3.25%4.25%5.54%6.21%7.08%3.07%4.49%4.11%4.56%4.33%2.85%3.13%2.83%2.87%2.13%2.16%1.36% -% 2.0% 4.0% 6.0% 8.0% $(300) $(100) $100 $300 $500 $7001Q202Q203Q204Q201Q212Q213Q214Q211Q222Q223Q224Q22$ in millions Consumer R/E Loan Growth ($) 30-yr Fixed Mortgage Rate GOS Margin RESIDENTIAL MORTGAGE PORTFOLIO GAIN ON SALE (“GOS”) MARGIN AND INTEREST RATES Dollarsinmillions(1)&(2)Forendnotedescriptions,seeEarningsPresentationEndNotesstartingonslide4215(1)(2)(2)

·提供资本市场对冲(ARC)、固定收益销售、国际、为全国1000多家金融机构提供清算和其他服务代理银行业务16 1,191金融机构客户 代理银行业务和资本市场收入 $30,216$27,994$27,604$20,552$16,760中央结算差异保证金利息(1) 8(44)(1,536)(4,125)(8,451) 代理银行业务和资本市场收入合计 $30,224$27,950$26,068$16,427$8,309$30.2$28.0$26.1$16.4$8.3$0.0$5.0$10.0$15.0$20.0$25.0$30.0$35.0$-$5$10$15$20$25$30$354Q211Q222Q223Q224Q22$(以百万为单位)对应收入细分 ARC收入 FI收入 运营收入合计Revenue(1)Interestoncentrally-clearedvariationmargin(expenseorincome)isincludedinARCrevenuewithinCorrespondentBankingandCapitalMarketsIncome

利率敏感度

35%34%31%支票账户构成商业小企业零售 无息支票$13.2B计息支票$9.0B储蓄美元3.5亿货币市场$8.3定期存款$24亿 截至2022年12月31日的数据(以十亿美元计)除平均支票余额外，†核心存款定义为非定期存款(1)来源：标普全球市场情报；截至2023年1月25日提供的4q22 MRQS；在最新的SSB Proxy statement 61%43%32%49%7%8%0%20%40%60%80%100%SSBPeer Average中披露的同行(1)存款组合与同行 支票账户 MM&Savings 时间存款PREMIUM核心†存款FRANCHISE18存款总额$364亿按类型存款·第四季度存款总成本22：21个基点 检查类型平均。支票余额商业$312,000小企业$52,000零售$11,500

利率风险概况 (2.9)%(1.2)%-%1.2%2.2%(4.0)%(3.0)%(2.0)%(1.0)%0.0% 1.0%2.0% 3.0%下降100个bps下降50个bps上升50个bps上升100个bps净利息收入百分比变化即时冲击/静态资产负债表(1)19 50%50%30%41%20%9%0%10%20% 30%40%50%60%变量等于或少于1个月变量等于12个月或LessLoan重新定价频率(不包括反映2023年1月中旬发布的共识预测的基本情况方案的净利息收入的PPP) Fixed Variable Adjustable (1)Denotes百分比变化。共识预测预计收益率曲线将出现倒置。利率冲击适用于共识预测。自2022年12月31日起，存款Beta已加速，以反映敏感性。自美联储2022.19年3月开始加息以来，加权平均总存款成本已经上升了25个基点

在本轮周期中保持有利地位-前一次和当前利率上升CYCLE HistoricdepositbetaexcludeslegacyACBI20 0.11%0.75%2.17%3.64%0.05%0.05%0.08%0.21%0.0%1.0%2.0%3.0%4.0%1Q222Q223Q224Q22 0.16%0.37%0.37%0.40%0.45%0.70%0.95%1.16%1.20%1.45%1.74%1.92%2.22%2.40%2.40%0.12%0.12%0.11%0.11%0.12%0.13%0.15%0.17%0.19%0.25%0.34%0.44%0.52%0.56%0.64%0.0%1.0%2.0% 3.0%4.0%4Q151Q16 2Q16 3Q16 4Q16 1Q172Q173Q174Q17 1Q18 2Q183Q184Q181Q192Q19 24%上一周期的存款贝塔平均联邦基金利率本周期至今的存款成本 5%的存款贝塔

资产负债表

LOAN AND DEPOSIT TRENDS $23.7 $26.4 $27.9 $28.8 $30.2 $23.9B $26.6B $27.9B $28.8B $30.2B $- $5.0B $10.0B $15.0B $20.0B $25.0B $30.0B $35.0B $- $8 $16 $24 $324Q211Q222Q223Q224Q22$ in billionsLoans(1) Loans excld. PPP Total Loans DollarsinbillionsAmountsmaynottotalduetorounding(1)Excludesloansheldforsale22 $11.5 $14.1 $14.3 $13.7 $13.2 $9.0 $9.3 $9.0 $8.7 $9.0 $11.8 $12.5 $12.4 $12.0 $11.8 $2.8 $2.8 $2.7 $2.5 $2.4 $35.1B $38.7B $38.4B $36.9B $36.4B $- $50,000,000.0B $100,000,000.0B $150,000,000.0B $200,000,000.0B $250,000,000.0B $300,000,000.0B $350,000,000.0B $- $6 $12 $18 $24 $30 $36 $424Q211Q222Q223Q224Q22$ in billionsDeposits Noninterest-bearing Checking Interest-bearing Checking MMA & Savings Time Deposits

投资者CRE(2)29%业主自住CRE18%C&I18%消费者RE22%CONS/Other4%CDL(1)9%总贷款PORTFOLIO23截至2022年12月31日的贷款组合余额、平均余额或百分比不包括持有待售贷款和PPP贷款(1)CDL包括住宅建设、商业建设和所有土地开发贷款(2)投资者CRE包括非业主自住CRE和其他创收财产(3)不包括从ACBI获得的自我贷款 贷款类型否。LoansBalanceAvg.贷款余额常务董事，开发人员&Land5,357$29B$533,900投资者CRE8,8298.8B993,300所有者占用CRE8,1115.4B673,200C&I18,9315.3B280,200消费者RE41,3246.5B156,700 Cons/Other(3)46,8511.1B23,100Total(3)129,403$30.0B$231,500贷款关系前10名代表贷款总额的2%前20名代表贷款总额的4%按类型划分贷款总额302亿美元

0.35%0.44%0.33%0.35%0.36% 0.0% 0.3% 0.5% 0.8% 1.0%4Q211Q222Q223Q224Q22Nonperforming Assets to Loans&OREO 2.11%2.03%1.76%1.78%1.61%1.02%0.97%0.80%0.71%0.54%1.09%1.06%0.96%1.07%1.07%0%1% 2% 3% 4%4Q211Q222Q223Q224Q22Criticized和分类资产趋势 综合 特别说明/资产 不合格/资产ASSET Quality METRICS Dollarsinmillions(1)ExcludesloansheldforsaleandPPPloans24 0.02%0.04%0.03%(0.02)%0.01%(0.05)%0.05%0.15%0.25%4Q211Q222Q223Q224Q22Net冲销(收回)贷款 ($9.2)($8.4)$19。3$23.9$47.1$1.0$2.3$2.3$(1.3)$0.9($10)$0$10$20$30$40$504Q211Q222Q223Q224Q22$(单位：百万美元) 信贷损失准备金和净冲销准备(收回) 信贷损失准备金 净冲销(收回)

资本比率 3Q224Q22(2)有形普通股权益(1) 6.8% 7.2%一级杠杆 8.4% 8.7%一级普通股 11.0% 11.0%一级风险资本 11.0% 11.0%总风险资本 13.0% 13.0%银行集中比率 248% 249%银行CDL集中比率 60% 65% (1)Forendnote描述，SeeEarningsPresentationEndNotesstartingonslide42(2)Preliminary25

附录

分支机构优化 85个分支机构平均规模为4,000万美元 422个分支机构收购加上12个DeNovo分支机构 268个分支机构合并或出售 251个分支机构平均规模为1.45亿美元 ~ 263% 每个分支机构存款增长854342682512009…..……………..………..……...……………………………。。4Q 202227 252分支机构3Q22 1传统ACBI分支机构整合 251分支机构4Q224thQuarter2022活动

2022年数字趋势对比202128数字销售数字服务数字支付20%移动用户14%在线支票账户103%Zelle交易28%在线消费者贷款43%银行对银行交易 6%数字存款

$39.13$41.16$44.62$40.09$1.88$3.80$5.78$0.45$2.54$4.02$39.13$43.49$50.96$49.89$(20.00)$(10.00)$-$10.00$20.00$30.00$40.00$50.00$60.00$-$20.00$40.00$60.002019202020212022每股有形账面价值(“TBVPS”) 自2019财年以来每股累计回购股息2019财年以来每股AOCI累计变化$0.64(0.34)$(8.97)每股有形账面价值(1)加上每股资本回报 (1)对于尾注说明，请参阅从幻灯片4229开始的收益演示文稿结束语

当前和历史5季度PERFORMANCE(1) 74%75%79%83%86%26%25%21%17%14% $352M $348M $405M $438M $462M 3.83%0.0%0.7% 1.3%2.0% 2.6%3.3%3.9% 0% 20% 40% 60% 80%{Br}100% 120%4Q211Q222Q223Q224Q22收入构成 NIM，TE/收入 非利息收入/收入 平均10年Revenue Dollarsinmillions(1)Forendnotedescriptions，seeEarningsPresentationEndNotesstartingonslide42(2)Annualized $92$86$87$73$63 0.88%0.81%0.76%0.64%0.57%0.5%0.6%0.7% 0.8%0.9%1.0% $- $20$40$60$80$100$120$1404Q211Q222Q223Q224Q22$以百万为单位非利息收入 非利息收入 非利息收入/平均资产 $260$263$318$365$398 2.79%2.77%3.12%3.58%3.99%2.0% 2.5% 3.0%3.5%4.0% 4.5% $200$300$4004Q211Q222Q223Q224Q22$以百万计净息差(“NIM”，TE) NIM，TE($) NIM，TE(%) 61%63%55%53%48%59%60%54%50%48% 0% 15% 30% 45% 60% 75% 90%4Q211Q222Q223Q224Q22Efficiency比率 效率比率 调整后的效率比率30(2)

吸收损失能力|2022年第四季度贷款总额的22%(1)信贷损失准备(“ACL”) 非PCD ACL$309.6PCD ACL46.8总额ACL$356.41.18%未确认的贴现收购贷款(2)72.10.24%ACL总额加上收购贷款的未确认折扣$428.51.42%为投资持有的贷款总额(1)30,1684Q22%无资金支持的承诺准备金 无资金支持的承诺准备金67.20.66%无资金支持的承诺总额$10,173美元(1)不包括PPP贷款和为出售而持有的贷款(2)来自ACBI和之前对SSB的收购由于四舍五入的原因，上面显示的Totals可能无法完成31

41%30%22%5%1%0.2%市政债券Rating AAA AA+ AA AA- A+ A Dollars(以十亿计)，除非另有说明；截至2022年12月31日的数据由于四舍五入†投资组合不包括非流通股 (1)美国政府机构或赞助企业发行的MBS(商业和住宅抵押品)(2)投资证券收益率包括非流通股和交易证券(3)不包括截至12月31日的本金应收余额，2022(4)基于当前PAR value 1.53%1.75%2.03%2.06%2.29% 1.0% 1.4% 1.7% 2.1% 2.4% 4Q21 1Q22 2Q22 3Q22 4Q22投资证券收益率(2)优质投资组合 72%13%8%7%投资组合†构成 代理mbs(1) 市政 财政部和代理 其他 类型AFS HTM 余额期限(年)(3)余额期限(年)代理MBS(1)$3.3B5.4$2.4B6.0市政$1.1B8.8−−财政部和机构$0.5B2.5$0.2B5.8其他$0.4B3.5$0.1B6.8总计$5.3B5.7$2.7B5.932总投资Portfolio†$80亿·94%的市政投资组合评级为AA或更高·约3.07亿美元有文件记录的ESG投资和约1.23亿美元的符合条件的CRA投资(4)

贷款组合-非业主-OCCUPIEDCOMMERCIAL房地产(1) 余额和平均贷款规模(以百万为单位)(1)包括占投资者CRE投资组合2%或更多的贷款类型；基于81亿美元的总投资组合，不包括1-4个家庭租赁物业和农业贷款(2)来自公司2022年9月30日使用承诺余额进行的压力测试的加权平均DSC和LTV信息，总计约55亿美元；不包括150万美元以下的贷款，除非是较大关系的一部分(3)代表每种贷款类型余额的%33贷款类型余额平均贷款规模WtdAvg DSC(2)WtdAvg LTV(2)AL%FL%GA%NC%SC%VA%其他%非应计%(3)不合标准和应计%(3)特别提及%(3)零售$2,144$1.61.6957%2%57%16%6%10%2%6%0.00%0.53%0.22%Office1,235 1.31.6762%3%44%20%4%21%4%4%0.03%0.54%1.10%Hotel990 4.31.6459%4%20%11%12%37%11%5%0.19%3.09%3.32%Warehouse/Industrial975 1.31.7559%5%49%20%7%11%3%4%—%0.29%0.25%Multifamily769 1.51.6457%8%29%29%5%22%4%4%—%0.42%0.72%Medical470 1.51.8459%2%54%11%6%13%8%6%-%0.26%1.12%自我存储324 3.01.5458%6%40%19%0%26%0%10%-%-%0.19%护理之家173 3.81.9759%1% 20%32%11%25%10%2%12.04%2.95%5.55%

贷款组合-消费者、住宅抵押贷款和HELOC信贷Indicator3Q224Q22HELOCMORTGAGEHELOCMORTGAGEWtd.平均原产地信用评分770774774774Wtd。AVQ。Portfolio768759772764Wtd.平均LTV(2)59%77%59%77%Wtd。平均DTI来源31%33%31%33%使用率37%N/A38%N/A (1)按净账面余额计算(2)基于最近评估和贷款金额计算的LTV 34信用指标3Q224Q22NPL比率(非应计项目和90+DPD及应计项目)0.37%0.35%净冲销率0.01%0.00%30+DPD比率(应计和非应计项目)0.55%0.52%90+DPD比率(应计和Non-Accruing)0.14%0.12% 70%15%12%3%Consumer，住宅Mtg和HELOC部门 抵押贷款 HELOC 其他消费者 CD担保·43%(1)的HELOC是第一抵押

非公认会计准则对账--平均收益。有形普通股权益和AVG的PPNR回报。ASSETS DollarsinthousandsThetangiblemeasuresarenon-GAAPmeasuresandexcludetheeffectofperiodendoraveragebalanceofintangibleassets；Thetangiblereturnsonequityandcommonequitymeasuresalsoaddbacktheafter-taxamortizationofintangiblestoGAAPbasisnetincome.35平均有形权益回报率3Q224Q22净收益(GAAP)133,043美元143,502美元加上：无形资产摊销7,837 8,027有效税率，不包括DTA冲销22%21%无形资产摊销，扣除税收6,095 6,303净收益加税后无形资产摊销(非GAAP)139,138美元149,805美元 平均股东普通股权益5,121,560美元4,991,584美元减去：平均无形资产2,052,4632,044,469美元平均有形普通股权益3,069,097美元2,947,115美元平均有形普通股权益(非GAAP)18.0%20.2%PPNR平均资产回报率3Q224 Q22PPNR，调整后(非GAAP)208,603$231,439美元平均资产44,985,713 44,429,894 PPNR ROAA1.84%2.07%

非GAAP对账-调整后净收益和调整后每股收益(EPS) 千美元，不包括每股收益36调整后净收益(GAAP)133,043美元143,502美元外加：证券收益，税后净额(24)-合并和分支机构合并相关费用，税后净额10,638 1,211调整后净收益(非GAAP)143,657$144,713$调整后每股收益3Q224Q22摊薄加权平均普通股76,182 76,327调整后净收益(非GAAP)143,657美元144,713$调整后每股收益，摊薄(非GAAP)1.89$1.90$

非公认会计准则对账-调整后的平均收益。资产和AVG。有形的公共EQUITY DollarsinthousandsThetangiblemeasuresarenon-GAAPmeasuresandexcludetheeffectofperiodendoraveragebalanceofintangibleassets；调整后平均资产收益率(thetangiblereturnsonequityandcommonequitymeasuresalsoaddbacktheafter-taxamortizationofintangiblestoGAAPbasisnetincome.37Dollars)3Q224Q22调整后净收益(非公认会计准则)143,657美元144,713美元平均总资产44,985,713 44,429,894调整后平均资产收益率(非公认会计准则)1.27%1.29%调整后平均有形普通股权益回报率3Q224Q22调整后净收益(非公认会计准则)143,657美元144,713美元加上：无形资产摊销，税后净额6,095 6,303调整后净收益加上税后无形资产摊销(非GAAP)149,752美元151,016美元平均有形普通股权益3,069,097美元2,947,115美元调整后平均有形普通股权益(非GAAP)19.36%20.33%

NON-GAAP RECONCILIATIONS –NET INTEREST MARGIN & CORE NET INTEREST INCOME (EXCLD. FMV & PPP ACCRETION) Dollarsinthousands38Dollars in thousands, except for per share data Net Interest Margin - Tax Equivalent (Non-GAAP)4Q211Q222Q223Q224Q22Net interest income (GAAP)258,096$ 261,518$ 315,815$ 362,334$ 396,004$ Tax equivalent adjustments1,734 1,885 2,249 2,345 2,397 Net interest income (tax equivalent) (Non-GAAP)259,830$ 263,403$ 318,064$ 364,679$ 398,401$ Average interest earning assets36,895,644$ 38,564,661$ 40,899,365$ 40,451,174$ 39,655,736$ Net Interest Margin - Tax Equivalent (Non-GAAP)2.79%2.77%3.12%3.58%3.99%Core Net Interest Margin excluding FMV & PPP Accretion (Non-GAAP)4Q211Q222Q223Q224Q22Net interest income (GAAP)258,096$ 261,518$ 315,815$ 362,334$ 396,004$ Less: Total accretion on acquired loans7,707 6,741 12,770 9,550 7,350 Deferred fees on PPP loans5,655 983 8 - - Core Net Interest Margin excluding FMV & PPP Accretion (Non-GAAP)244,734$ 253,794$ 303,037$ 352,784$ 388,654$

非GAAP对账-PPNR，调整后，PPNR/加权平均值。政务司司长及资本市场收入(UNAUDITED) Dollarsandweightedaveragecommonsshareoutstandinginthousandsexceptpersharedata39 4Q211Q222Q223Q224Q22 SSBSSBSSBSSB 净利息收入(GAAP)258,096$261,518$315,815$362,334$396,004$ 加： 非利息收入91,902 86,046 86,756 73,053,392减： 证券销售收益2-30- 总收入，调整后(非GAAP)349,996$347,564$402,571$435,357$459,396$ 减去： 非利息支出224,037 228,600 231,169 240,433 229,499 PPNR(非GAAP)125,959$118,964$171,402$194,924$229,897$ 加上： 与合并和分支机构合并相关的费用6,645 10,275,390 13,679 1，542 FHLB预付款罚款- 分行合并和成本节约举措- 债务成本的消除- 总调整6,645美元10，276$5,390$13,679$1,542经调整(非GAAP)132,604$129,240$176,792$208,603$231,439$ 加权平均已发行普通股，稀释70,290 72,111 76,094 76,182 76,327 PPNR，经加权平均调整。未偿还普通股摊薄(非公认会计准则)1.89$1.79$2.32$2.74$3.03$ 4Q211Q222Q223Q224Q22SSBSSBSSBSSBSSB ARC收入16,695$15,106$13,389$5,102$1,398$FI收入11,317 10,697 10,151 9,201 3,757营业收入2,212 2,147 2,528 2,124 3154通讯商和资本市场总收入30,224$27,950$26,068$16,427$8,309$ 调整后和PPNR，按加权平均调整。普通股OUSTING, 摊薄(非公认会计准则) 交易对手和资本市场收入

NON-GAAP RECONCILIATIONS –CURRENT & HISTORICAL: EFFICIENCY RATIOS (UNAUDITED) Dollarsinthousands40 4Q211Q222Q223Q224Q22 Noninterest expense (GAAP)224,037$ 228,600$ 231,169$ 240,433$ 229,499$ Less: Amortization of intangible assets8,517 8,494 8,847 7,837 8,027 Adjusted noninterest expense (non-GAAP)215,520$ 220,106$ 222,322$ 232,596$ 221,472$ Net interest income (GAAP)258,096$ 261,518$ 315,815$ 362,334$ 396,004$ Tax Equivalent ("TE") adjustments1,734 1,885 2,249 2,345 2,397 Net interest income, TE (non-GAAP)259,830$ 263,403$ 318,064$ 364,679$ 398,401$ Noninterest income (GAAP)91,902$ 86,046$ 86,756$ 73,053$ 63,392$ Less: Gain on sale of securities2 - - 30 - Adjusted noninterest income (non-GAAP)91,900$ 86,046$ 86,756$ 73,023$ 63,392$ Efficiency Ratio (Non-GAAP)61%63%55%53%48% Noninterest expense (GAAP)224,037$ 228,600$ 231,169$ 240,433$ 229,499$ Less: Merger and branch consolidation related expense6,645 10,276 5,390 13,679 1,542 Amortization of intangible assets8,517 8,494 8,847 7,837 8,027 Total adjustments15,162$ 18,770$ 14,237$ 21,516$ 9,569$ Adjusted noninterest expense (non-GAAP)208,875$ 209,830$ 216,932$ 218,917$ 219,930$ Adjusted Efficiency Ratio (Non-GAAP)59%60%54%50%48%

NON-GAAP RECONCILIATIONS –TANGIBLE BOOK VALUE / SHARE & TANGIBLE COMMON EQUITY RATIO Dollarsinthousands,exceptforpersharedata41 Tangible Book Value per Common Share2019202020212022Shareholders' common equity2,373,013$ 4,647,880$ 4,802,940$ 5,074,927$ Less: Intangible assets1,052,716 1,726,534 1,709,152 2,039,556 Tangible shareholders' common equity1,320,297$ 2,921,346$ 3,093,788$ 3,035,371$ Common shares issued and outstanding33,744,385 70,973,477 69,332,297 75,704,563 Tangible Book Value per Common Share (Non-GAAP)39.13$ 41.16$ 44.62$ 40.09$ Tangible Common Equity ("TCE") Ratio3Q224Q22Tangible common equity (non-GAAP)2,873,271$ 3,035,371$ Total assets (GAAP)44,422,377 43,918,696 Less:Intangible assets2,047,915 2,039,556 Tangible asset (non-GAAP)42,374,462$ 41,879,140$ TCE Ratio (Non-GAAP)6.8%7.2%

42 EARNINGS列报期末通知幻灯片9期末附注(1)有形计量为非公认会计准则计量，不包括期末或无形资产平均余额的影响。有形权益回报和普通股权益计量还将无形资产的税后摊销加回基于GAAP的净收入；其他调整后的数字也是非GAAP财务计量，不包括分支机构合并和与合并相关的费用和收益对证券销售的影响--见附录中对GAAP和非GAAP衡量标准的对账。幻灯片10结尾附注(1)调整后的数字不包括合并和分支机构合并相关费用和证券销售收益的影响；不包括贷款增值和PPP递延费用净额的核心净利息收入也是非GAAP财务计量；调整后的效率比率是通过扣除非利息支出(不包括合并和分支机构合并相关支出、证券销售收益和无形资产摊销)来计算的--见附录中对GAAP和非GAAP措施的对账。(2)调整后的PPNR, PPNR ROAA和加权平均稀释每股PPNR是非公认会计准则财务指标，不包括合并和分支机构合并相关费用和收益对证券销售的影响--见附录中对公认会计准则和非公认会计准则的对账。(4)不包括购买力平价loansSlide11EndNotes(1)AdjustedPPNRperweightedaveragedilutedshares；的贷款增加和净递延费用。ThisisaNon-GAAPfinancialmeasurethatexcludestheimpactofmergerandbranchconsolidationrelatedexpenseandgainonsaleofsecurities-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.Slide12EndNotes(1)TaxequivalentNIMisaNon-GAAPfinancialmeasure-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.Slide13EndNotes(4)本演示文稿中所述的合并历史信息称为“合并业务基础”，是基于公司和中央州政府报告的适用期间的公认会计原则结果，没有进行调整，本新闻稿中包含的信息并未按照S-X法规第11条的规定编制，因此不反映其中所要求的任何形式上的调整。所有合并业务基础财务信息应根据公司和中央州政府的历史信息进行审核。合并的历史信息不包括ACBI.Slide15EndNotes(1)Thecombinedhistoricalinformationreferredtointhispresentationasthe“CombinedBusinessBasis”presentedisbasedonthereportedGAAPresultsoftheCompanyandCenterStatefortheapplicableperiodswithoutadjustmentsandtheinformationincludedinthisreleasehasnotbeenpreparedinaccordancewithArticle11ofRegulationS-X，andthereforedoesnotreflectanyoftheproformaadjustmentsthatwouldberequiredthereby.AllCombinedBusinessBasisfinancialinformationshouldbereviewedinconnectionthehistoricalinformationoftheCompanyandCenterState, Asapplicable.ThecombinedhistoricalinformationexcludesACBI.(2)AsaresultoftheconversionoflegacyCenterState’scoresystemtotheCompany’scoresystemcompletedin2Q2021，severalloanswerereclassifiedtoconformwiththeCompany’sloansegmentation，mostnotablyresidentialinvestmentloanswhichwerereclassedfromconsumerR/Etoinvestorcommercialrealestatecategory.ConsumerR/Eloansasof1Q20，因此，werereportedbasedonthepre-reclassificationfigures.TheCompanyestimatedre-classificationsforthe2Q20from1Q20andforthe1Q20from4Q19growthpercentagesforthecomparisonpurposes.Slide25EndNotes(1)Thetangiblemeasuresarenon-GAAPmeasuresandexcludetheeffectofperiodendbalanceofintangibleassets-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.

43EARNINGS PRESENTATION END NOTESSlide29EndNotes(1)Thetangiblemeasureisanon-GAAPmeasureandexcludestheeffectofperiodendbalancesofintangibleassets-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.Slide30EndNotes(1)Total revenue and noninterest income are adjusted by gains or losses on sales of securities and tax equivalent adjustments; Tax equivalent NIM, efficiency ratio and adjusted efficiency ratio are Non-GAAP financial measures; Adjusted Efficiency Ratio excludes the impact of merger and branch consolidation related expense, gain on sales of securities, and amortization expense on intangible assets, as applicable –See Current & Historical Efficiency Ratios and Net Interest Margin reconciliation in Appendix.