Earnings Call 4Q 2022 January 27, 2023 Exhibit 99.2

DISCLAIMER2Statementsincludedinthiscommunication,whicharenothistoricalinnatureareintendedtobe,andareherebyidentifiedas,forward-lookingstatementsforpurposesofthesafeharborprovidedbySection27AoftheSecuritiesActof1933andSection21EoftheSecuritiesExchangeActof1934.Forward-lookingstatementsarebasedon,amongotherthings,management’sbeliefs,assumptions,currentexpectations,estimatesandprojectionsaboutthefinancialservicesindustry,theeconomyandSouthState.Wordsandphrasessuchas“may,”“approximately,”“continue,”“should,”“expects,”“projects,”“anticipates,”“islikely,”“lookahead,”“lookforward,”“believes,”“will,”“intends,”“estimates,”“strategy,”“plan,”“could,”“potential,”“possible”andvariationsofsuchwordsandsimilarexpressionsareintendedtoidentifysuchforward-lookingstatements. SouthStatecautionsreadersthatforward-lookingstatementsaresubjecttocertainrisks,uncertaintiesandassumptionsthataredifficulttopredictwithregardto,amongotherthings,timing,extent,likelihoodanddegreeofoccurrence,whichcouldcauseactualresultstodiffermateriallyfromanticipatedresults.Suchrisks,uncertaintiesandassumptions,include,amongothers,thefollowing:(1)economicdownturnrisk,potentiallyresultingindeteriorationinthecreditmarkets,inflation,greaterthanexpectednoninterestexpenses,excessiveloanlossesandothernegativeconsequences,whichriskscouldbeexacerbatedbypotentialcontinuednegativeeconomicdevelopmentsresultingfromtheCovid19pandemic,orfromfederalspendingcutsand/oroneormorefederalbudget-relatedimpassesoractions;(2)interestrateriskprimarilyresultingfromtheinterestrateenvironment,thenumberandpaceofinterestrateincreases,andtheirimpactontheBank’searnings,includingfromthecorrespondentandmortgagedivisions,housingdemand,themarketvalueofthebank’sloanandsecuritiesportfolios,andthemarketvalueofSouthState’sequity;(3)risksrelatedtothemergerandintegrationofSouthStateandAtlanticCapitalincluding,amongothers,(i)theriskthatthecostsavingsandanyrevenuesynergiesfromthemergermaynotbefullyrealizedormaytakelongerthananticipatedtoberealized,(ii)theriskthattheintegrationofAtlanticCapital’soperationsintoSouthState’soperationswillbemorecostlyordifficultthanexpectedorthatthepartiesareotherwiseunabletosuccessfullyintegrateAtlanticCapital’sbusinessesintoSouthState’sbusinesses,(iii)theamountofthecosts,fees,expensesandchargesrelatedtothemerger,and(iv)reputationalriskandthereactionofeachcompany'scustomers,suppliers,employeesorotherbusinesspartnerstothemerger;(4)risksrelatingtothecontinuedimpactoftheCovid19pandemicontheCompany,includingtoefficienciesandthecontrolenvironmentduetothechangingworkenvironment;(5)theimpactofincreasingdigitizationofthebankingindustryandmovementofcustomerstoon-lineplatforms,andthepossibleimpactontheBank’sresultsofoperations,customerbase,expenses,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,includingrisksassociatedwithacquiringandholdinginvestmentsecuritiesorpotentiallydeterminingthattheamountofinvestmentsecuritiesSouthStatedesirestoacquirearenotavailableontermsacceptabletoSouthState;(14)priceriskfocusingonchangesinmarketfactorsthatmayaffectthevalueoftradedinstrumentsin“mark-to-market”portfolios;(15)transactionriskarisingfromproblemswithserviceorproductdelivery;(16)complianceriskinvolvingrisktoearningsorcapitalresultingfromviolationsofornonconformancewithlaws,rules,regulations,prescribedpractices,orethicalstandards;(17)regulatorychangeriskresultingfromnewlaws,rules,regulations,accountingprinciples,proscribedpracticesorethicalstandards,including,withoutlimitation,thepossibilitythatregulatoryagenciesmayrequirehigherlevelsofcapitalabovethecurrentregulatory-mandatedminimumsandincludingtheimpactoftheCARESAct,theConsumerFinancialProtectionBureauregulations,andthepossibilityofchangesinaccountingstandards,policies,principlesandpractices,includingchangesinaccountingprinciplesrelatingtoloanlossrecognition(CECL);(18)strategicriskresultingfromadversebusinessdecisionsorimproperimplementationofbusinessdecisions;(19)reputationriskthatadverselyaffectsearningsorcapitalarisingfromnegativepublicopinion;(20)cybersecurityriskrelatedtothedependenceofSouthStateoninternalcomputersystemsandthetechnologyofoutsideserviceproviders,aswellasthepotentialimpactsofinternalorexternalsecuritybreaches, whichmaysubjectthecompanytopotentialbusinessdisruptionsorfinanciallossesresultingfromdeliberateattacksorunintentionalevents;(21)reputationalandoperationalrisksassociatedwithenvironment,socialandgovernance(ESG)matters,includingtheimpactofrecentlyissuedproposedregulatoryguidanceandregulationrelatingtoclimatechange;(22)greaterthanexpectednoninterestexpenses;(23)excessiveloanlosses;(24)potentialdepositattrition,higherthanexpectedcosts,customerlossandbusinessdisruptionassociatedwiththeAtlanticCapitalintegration,andpotentialdifficultiesinmaintainingrelationshipswithkeypersonnel;(25)reputationalriskandpossiblehigherthanestimatedreducedrevenuefromannouncedchangesintheBank’sconsumeroverdraftprograms;(26)therisksoffluctuationsinmarketpricesforSouthStatecommonstockthatmayormaynotreflecteconomicconditionorperformanceofSouthState;(27)thepaymentofdividendsonSouthStatecommonstock,whichissubjecttolegalandregulatorylimitationsaswellasthediscretionoftheboardofdirectorsofSouthState,SouthState’sperformanceandotherfactors;(28)ownershipdilutionriskassociatedwithpotentialacquisitionsinwhichSouthState’sstockmaybeissuedasconsiderationforanacquiredcompany;(29)operational,technological,cultural,regulatory,legal,creditandotherrisksassociatedwiththeexploration,consummationandintegrationofpotentialfutureacquisitions,whetherinvolvingstockorcashconsideration;(30)majorcatastrophessuchashurricanes,tornados,earthquakes,floodsorothernaturalorhumandisasters,includinginfectiousdiseaseoutbreaks,suchastheongoingCovid19pandemic,andtherelateddisruptiontolocal,regionalandglobaleconomicactivityandfinancialmarkets,andtheimpactthatanyoftheforegoingmayhaveonSouthStateanditscustomersandotherconstituencies;(31)terroristactivitiesriskthatresultsinlossofconsumerconfidenceandeconomicdisruptions;and(32)otherfactorsthatmayaffectfutureresultsofSouthState,asdisclosedinSouthState’sAnnualReportonForm10-K,QuarterlyReportsonForm10-Q,andCurrentReportsonForm8-K,filedbySouthStatewiththeU.S.SecuritiesandExchangeCommission(“SEC”)andavailableontheSEC’swebsiteathttp://www.sec.gov,anyofwhichcouldcauseactualresultstodiffermateriallyfromfutureresultsexpressed,impliedorotherwise anticipatedbysuchforward-lookingstatements. Allforward-lookingstatementsspeakonlyasofthedatetheyaremadeandarebasedoninformationavailableatthattime.SouthStatedoesnotundertakeanyobligationtoupdateorotherwisereviseanyforward-lookingstatements,whetherasaresultofnewinformation,futureevents,orotherwise,exceptasrequiredbyfederalsecuritieslaws.Asforward-lookingstatementsinvolvesignificantrisksanduncertainties,cautionshouldbeexercisedagainstplacingunduerelianceonsuchstatements.

$36Billion in deposits $30Billion in loans $44Billion in assets $5.8Billion market cap(1)FinancialmetricsasofDecember31,2022;marketcapasofJanuary25,2023SouthState CorporationOverview of Franchise (1)3 (251) #1 in Florida#3 in South Carolina Top 30Forbes 100 Best Banks in America 2022 16 Greenwich Excellence and Best Brand awards from Coalition Greenwich Ranked #30by S&P Global

Local MarketLeadershipOur business model supports the unique character of the communities we serve and encourages decision making by the banker that is closest to the customer.Long-TermHorizonWe think and act like owners and measure success over entire economic cycles. We prioritize soundness before short-term profitability and growth.RemarkableExperiencesWe will make our customers’ lives better by anticipating their needs and responding with a sense of urgency. Each of us has the freedom, authority and responsibility to do the right thing for our customers.Meaningful and LastingRelationshipsWe communicate with candor and transparency. The relationship is more valuable than the transaction.Greater PurposeWe enable our team members to pursue their ultimate purpose in life—their personal faith, their family, their service to community.The WHATThe HOW Guiding PrinciplesCore Values Leadership The WHY To invest in the entrepreneurial spirit, pursue excellence and inspire a greater purpose.4

17.8%13.7%12.8%11.9%8.9%8.3%6.0%FLSCGANCVAU.S.ALActual Population Growth 2010-2023 $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 FOR THE FUTURE IN THE BEST GROWTH MARKETS IN AMERICA 5 $280$299$655$736$762$1,403ALSCVANCGAFLGDP by State($ in billions) 5.0%4.3%3.7%3.7%2.6%2.1%1.9%FLSCGANCVAU.S.ALProjected Population Growth 2023-2028 $3.2$3.5$4.0$4.1$4.3$18.3$25.0UKIndiaGermanySSB FootprintJapanChinaUSGDP ($ in trillions) The combined GDP of SouthState’s 6 state branch footprint would represent the world’s fourth largest economy. Population increase (in millions)3.3 0.6 1.2 1.1 0.7 25.8 0.31.0 0.2 0.4 0.4 0.2 7.20.1 Loans and deposits as of 12/31/22; excludes $1.9B of loans and $2.5B of deposits from internal accounts and national lines ofbusinessCountry GDP as of 2022; State GDP as of 3Q22Sources: S&P Global, International Monetary Fund, US Bureau of Economic AnalysisPopulation increase (in millions)

Source: U.S. Census BureauPANDEMIC ACCELERATES POPULATION MIGRATION TO THE SOUTH Net Domestic Migration in SouthState FootprintFlorida622,476North Carolina211,867South Carolina165,948Georgia128,089Alabama65,355Virginia-29,775TOTAL1,163,960

INVESTMENT THESIS7 •High growth markets•Low-cost core deposit base•Diversified revenue streams •Strong credit quality and disciplined underwriting •Energetic and experienced management team with entrepreneurial ownership culture •True alternative to the largest banks with capital markets platform and upgraded technology solutions

Quarterly Results

HIGHLIGHTS | LINKED QUARTER Dollars in millions, except per share data(1)For end note descriptions, see Earnings Presentation End Notes starting on slide 429 3Q224Q22GAAPNet Income$ 133.0 $ 143.5 EPS (Diluted)$ 1.75 $ 1.88 Return on AverageAssets 1.17 % 1.28 %Non-GAAP(1)Return on AverageTangible Common Equity 17.99 % 20.17 %Non-GAAP,Adjusted(1)Net Income$ 143.7 $ 144.7 EPS (Diluted)$ 1.89 $ 1.90 Return on AverageAssets 1.27 % 1.29 %Return on AverageTangible Common Equity 19.36 % 20.33 %

QUARTERLY HIGHLIGHTS | 4Q 2022 (1),(2) & (4) For end note descriptions, see Earnings Presentation End Notes starting on slide 42(3)ExcludingACBIacquisitiondatebalances10•Reported Earnings per Share (“EPS”) of $1.88; Adjusted Diluted EPS (non-GAAP) of $1.90•Pre-Provision Net Revenue (“PPNR”)(non-GAAP)(2)of $231.4 million, or 2.07% PPNR ROAA(2)•PPNR per diluted share (non-GAAP)(2)of $3.03, up 11% from the prior quarter’s $2.74 and up 60% from $1.89 one year ago•Loans increased $1.3 billion, or 19% annualized from prior quarter; increased 17%(3)over the last year•Deposits declined $559 million, or 6% annualized; total deposit cost was 0.21%, up 13 basis points from prior quarter•Core net interest income(non-GAAP)(4) increased $36 million from prior quarter•5.5% revenue growth with 0.5% expense growth generated 5.0% operating leverage in the quarter •Adjusted efficiency ratio (non-GAAP)(1)improved to 48% from the prior quarter’s 50%•Net charge-offs of $873 thousand, or 0.01% annualized; net loan recoveries excluding DDA charge-offs; Provision for Credit Losses (“PCL”) of $47.1 million

PPNR PER DILUTED SHARE(1) $1.89 $1.79 $2.32 $2.74 $3.03 $1.50 $2.00 $2.50 $3.00 $3.504Q211Q222Q223Q224Q22 (1)For end note descriptions, Earnings Presentation End Notes starting on slide 4211

NET INTEREST MARGIN(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 $4004Q211Q222Q223Q224Q22$ in millions Net Interest Income excld. Accretion AccretionNet Interest Income Net Interest Margin 120 bps improvement in Net Interest Margin(3)(4Q21-4Q22) Dollarsinmillions(1)For end note descriptions, see Earnings Presentation End Notes starting on slide 42(2)Accretion includes PPP loans deferred fees and loan discount accretion(3)Tax equivalent12 (2)(2)(3)

LOAN PRODUCTION VS LOAN GROWTH $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 millions Loan Production Loan Portfolio Growth Dollarsinmillions(1)2022loanproductionexcludesproductionbylegacyACBIfromMarch~July22(pre-coresystemconversion);2022loanportfoliogrowthexcludesacquisitiondateloanbalancesacquiredfromACBI(2)2019loanproductionexcludesproductionfromNationalBankofCommerce(“NBC”)during1Q19;NationalCommerceCorporation,theholdingcompanyofNBC,wasacquiredbyCenterStatein2Q2019(3)ExcludesloansheldforsaleandPPP;loanproductionindicatescommittedbalancetotal;loanportfoliogrowthindicatesannualloanendingbalancegrowth,excludingloansheldforsaleandPPP(4)Forendnotedescriptions,seeEarningsPresentationEndNotesstartingonslide4213(1)(2)(3)(3)(4)(4)(1)

QTD Production ($mm)$1,381$1,062$693 Refinance31%8%6% Purchase69%92%94% 81%19%4Q22MORTGAGE BANKING DIVISION (1)Includes pipeline, LHFS and MBS forwards14 Highlights Quarterly Mortgage Production Gain on Sale Margin •Mortgage banking income of ($545) thousand in 4Q 2022 compared to $2.3 million in 3Q 2022•Secondary pipeline of $39 million at 4Q 2022, as compared to $76 million at 3Q 2022•Recorded MSR write-down of $3 million in Q4 2022 2.83%2.87%2.13%2.16%1.36%4Q211Q222Q223Q224Q22 Mortgage Banking Income ($mm) 47%53%4Q21 Portfolio Secondary 78%22%3Q22 4Q213Q224Q22 Secondary Market Gain on Sale, net $15,417 $3,501 $460 Fair Value Change(1)(5,081)(1,968)317 Total Secondary Market Mortgage Income $10,336 $1,533 $777 MSR Servicing Fee Income $3,620 $4,170 $4,160 Fair Value Change / Decay(1,912)(3,441)(5,482) Total MSR-Related Income $1,708 $729 $ (1,322) Total Mortgage Banking Income $ 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)

•Provides capital markets hedging (ARC), fixed income sales, international, clearing and other services to over 1,000 financial institutions across the country CORRESPONDENT BANKING DIVISION16 1,191Financial Institution Clients Correspondent banking and capital market income $ 30,216 $ 27,994 $ 27,604 $ 20,552 $ 16,760 Interest on centrally-cleared variation margin(1) 8 (44) (1,536) (4,125) (8,451) Total Correspondent Banking and Capital Market Income $ 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 $354Q211Q222Q223Q224Q22$ in millionsCorrespondent Revenue Breakout ARC Revenues FI Revenues Operational RevenuesTotal Revenue(1)Interestoncentrally-clearedvariationmargin(expenseorincome)isincludedinARCrevenuewithinCorrespondentBankingandCapitalMarketsIncome

Interest Rate Sensitivity

35%34%31%Checking Accounts CompositionCommercialSmall BusinessRetail Noninterest-bearing Checking$13.2BInterest-bearing Checking$9.0BSavings$3.5BMoney Market$8.3BTime Deposits$2.4B Data as of December 31, 2022Dollars in billions except for average checking balances† Core deposits defined as non-time deposits(1) Source: S&P Global Market Intelligence; 4Q22 MRQs available as of January 25, 2023; Peers as disclosed in the most recent SSB proxy statement 61%43%32%49%7%8%0%20%40%60%80%100%SSBPeer Average (1)Deposit Mix vs. Peers Checking Accounts MM & Savings Time DepositsPREMIUM CORE†DEPOSIT FRANCHISE18Total Deposits$36.4 BillionDeposits by Type•Total cost of deposits for 4Q22: 21 bps Checking TypeAvg. Checking BalanceCommercial$312,000Small Business$52,000Retail$11,500

INTEREST RATE RISK PROFILE (2.9)%(1.2)%—% 1.2% 2.2% (4.0)% (3.0)% (2.0)% (1.0)% 0.0% 1.0% 2.0% 3.0%Down 100 bpsDown 50 bpsBaseUp 50 bpsUp 100 bpsPercentage Change in Net Interest IncomeInstantaneous Shock/Static Balance Sheet(1)19 50%50%30%41%20%9%0%10%20% 30%40%50%60% Variable Equals 1 Month or Less Variable Equals 12 Months or LessLoan Repricing Frequency (excluding PPP) Fixed Variable Adjustable (1)Denotes percentage change in net interest income from the base case scenario that reflects the consensus forecast published mid-January 2023. The consensus forecast projects yield curve inversion. Interest rate shocks are applied to consensus forecast. Deposit betas have been accelerated to reflect sensitivities from December 31, 2022. Weighted average total deposit costs have increased twenty-five basis points since the Federal Reserve began raising rates in March 2022.19

REMAIN WELL-POSITIONED DURING CURRENT CYCLE –PREVIOUS AND CURRENT RISING INTEREST RATE 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% deposit beta in previous cycleAverage Fed Funds RateCost of Deposits 5% deposit beta in current cycle to date

Balance Sheet

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

Investor CRE (2)29%Owner-Occupied CRE18%C&I18%Consumer RE22%Cons / Other4%CDL (1)9%TOTAL LOAN PORTFOLIO23 Data as of December 31, 2022Loan portfolio balances, average balances or percentage exclude loans held for sale and PPP loans(1) CDL includes residential construction, commercial construction, and all land development loans (2) Investor CRE includes nonowner-occupied CRE and other income producing property(3) Excludes SELF loans acquired from ACBI Loan TypeNo. of LoansBalanceAvg. Loan BalanceConstr., Dev. & Land5,357$2.9B$533,900Investor CRE8,8298.8B993,300Owner-Occupied CRE8,1115.4B673,200C & I18,9315.3B280,200Consumer RE41,3246.5B156,700Cons / Other(3)46,8511.1B23,100Total(3)129,403$30.0B$231,500 Loan RelationshipsTop 10Represents ~ 2% of total loansTop 20Represents ~ 4% of total loansLoans by TypeTotal Loans$30.2 Billion

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 & Classified Asset Trends Combined Special Mention / Assets Substandard / AssetsASSET QUALITY METRICS Dollarsinmillions(1)ExcludesloansheldforsaleandPPPloans24 0.02%0.04%0.03%(0.02)%0.01% (0.05)% 0.05% 0.15% 0.25%4Q211Q222Q223Q224Q22Net Charge-Offs(Recoveries) to Loans ($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 $ in millions Provision for Credit Losses & Net Charge-Offs (Recoveries) Provision for Credit Losses Net Charge-Offs (Recoveries)

CAPITAL RATIOS 3Q224Q22(2)Tangible Common Equity(1) 6.8 % 7.2 %Tier 1 Leverage 8.4 % 8.7 %Tier 1 Common Equity 11.0 % 11.0 %Tier 1 Risk-Based Capital 11.0 % 11.0 %Total Risk-Based Capital 13.0 % 13.0 %BankCRE Concentration Ratio 248 % 249 %Bank CDL Concentration Ratio 60 % 65 % (1)Forendnotedescriptions,seeEarningsPresentationEndNotesstartingonslide42(2)Preliminary25

Appendix

BRANCH OPTIMIZATION 85 BranchesAverage Size $40M 422 Branches Acquired Plus12 DeNovo Branches 268 Branches Consolidated or Sold 251 BranchesAverage Size $145M ~ 263% growth in deposits per branch 854342682512009 …..……………..………..……....…………………………….. 4Q 202227 252 Branches 3Q22 1 Legacy ACBI Branch Consolidated 251 Branches 4Q224thQuarter 2022 Activity

DIGITAL TRENDS 2022 COMPARED TO 202128 Digital SalesDigital ServicesDigital Payments 20%Mobile Users14% Online Checking Accounts103% Zelle Transactions28% Online Consumer Loans43% Bank to Bank Transactions 6% Digital Deposits

$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 Tangible Book Value per Share ("TBVPS") Cumulative Dividends since FYE 2019 Cumulative Repurchases per Share since FYE 2019Cumulative Change in AOCI per Share since FYE 2019 $0.64 $(0.34)$(8.97)TANGIBLE BOOK VALUE PER SHARE(1) PLUS CAPITAL RETURN PER SHARE (1)For end note descriptions, see Earnings Presentation End Notes starting on slide 4229

CURRENT & HISTORICAL 5-QTR 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% 100% 120%4Q211Q222Q223Q224Q22Revenue Composition NIM, TE / Revenue Noninterest Income / Revenue Avg. 10-year UST Total 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 $1404Q211Q222Q223Q224Q22$ in millionsNoninterest Income Noninterest Income Noninterest Income / Avg. Assets $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 $4004Q211Q222Q223Q224Q22$ in millionsNet Interest Margin (“NIM”, TE) NIM, TE ($) NIM, TE (%) 61%63%55%53%48%59%60%54%50%48% 0% 15% 30% 45% 60% 75% 90%4Q211Q222Q223Q224Q22Efficiency Ratio Efficiency Ratio Adjusted Efficiency Ratio30(2)

LOSS ABSORPTION CAPACITY | 4Q 2022 4Q22% of Total Loans(1)Allowance for Credit Losses (“ACL”) Non-PCD ACL$309.6PCD ACL46.8Total ACL$356.41.18%Unrecognized Discount –Acquired Loans (2)72.10.24%Total ACL plus Unrecognized Discount on Acquired Loans$428.51.42%Total Loans Held for Investment (1)$30,1684Q22% of Unfunded CommitmentsReserve for Unfunded Commitments Reserve for unfunded commitments67.20.66%Total Unfunded Commitments$10,173 Dollars in millions(1)Excludes PPP loans and loan held for sale(2)Includes mark on loans from ACBI and prior SSB acquisitionsTotals shown above may not foot due to rounding31

41%30%22%5%1%0.2%Municipal Bond Rating AAA AA+ AA AA- A+ A Dollars in billions, unless otherwise noted; data as of December 31, 2022Amounts may not total due to rounding† Investment portfolio excludes non-marketable equity (1)MBS issued by U.S. government agencies or sponsored enterprises (commercial and residential collateral)(2)Investment securities yield include non-marketable equity and trading securities(3)Excludes principal receivable balance as of December 31, 2022(4)Based on current 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 Investment Securities Yield(2)HIGH QUALITY INVESTMENT PORTFOLIO 72%13%8%7%Investment Portfolio†Composition Agency MBS(1) Municipal Treasury & agency Other TypeAFS HTM BalanceDuration (yrs)(3)BalanceDuration (yrs)Agency MBS(1) $3.3B5.4$2.4B6.0Municipal$1.1B8.8−−Treasury & agency$0.5B2.5$0.2B5.8Other $0.4B3.5$0.1B6.8Total$5.3B5.7$2.7B5.932Total InvestmentPortfolio†$8.0 Billion•94% of municipal portfolio is AA or higher rated•~$307 million in documented ESG investments and ~$123 million CRA eligible investments(4)

LOAN PORTFOLIO –NON OWNER-OCCUPIEDCOMMERCIAL REAL ESTATE(1) Balance and average loan size in millions(1)Includes loan types representing 2% or more of investor CRE portfolio; based on the total portfolio of $8.1 billion, excluding 1-4 family rental properties and agricultural loans(2)Weighted average DSC and LTV information from the Company’s September 30, 2022stress test using commitment balances, totaling approximately $5.5 billion; excludes loans below $1.5 million, unless part ofa larger relationship(3)Represents % of each loan type balance33 Loan TypeBalanceAvg Loan SizeWtdAvg DSC(2)WtdAvg LTV(2)AL%FL%GA%NC%SC%VA%OTHER%Non-Accrual %(3)Substandard & Accruing %(3)Special Mention%(3)Retail$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%Self Storage324 3.01.5458%6%40%19%0%26%0%10%—%—%0.19%Nursing Home173 3.81.9759%1% 20%32%11%25%10%2%12.04%2.95%5.55%

LOAN PORTFOLIO –CONSUMER, RESIDENTIAL MORTGAGE AND HELOC Credit Indicator3Q224Q22HELOCMORTGAGEHELOCMORTGAGEWtd. Avg. Credit Score of Originations770774774774Wtd. Avq. Credit Score of Portfolio768759772764Wtd. Avg. LTV(2)59%77%59%77%Wtd. Avg. DTI of Originations31%33%31%33%Utilization Rate37%N/A38%N/A (1)By net book balance(2)LTV calculated using most recent appraisal and based on loan amount34 Credit Indicator3Q224Q22NPL Ratio (Non-Accruals & 90+ DPD & Accruing)0.37%0.35%Net Charge-Offs Ratio0.01%0.00%30+ DPD Ratio (Accruing & Non-Accruing)0.55%0.52%90+ DPD Ratio (Accruing and Non-Accruing)0.14%0.12% 70%15%12%3%Consumer, Residential Mtg and HELOC Segment Mortgage HELOCs Other Consumer CD-Secured•43%(1)of HELOCs are first mortgage

NON-GAAP RECONCILIATIONS –RETURN ON AVG. TANGIBLE COMMON EQUITY & PPNR RETURN ON AVG. ASSETS DollarsinthousandsThetangiblemeasuresarenon-GAAPmeasuresandexcludetheeffectofperiodendoraveragebalanceofintangibleassets;thetangiblereturnsonequityandcommonequitymeasuresalsoaddbacktheafter-taxamortizationofintangiblestoGAAPbasisnetincome.35 Return on Average Tangible Equity3Q224Q22Net income (GAAP)133,043$ 143,502$ Plus:Amortization of intangibles7,837 8,027 Effective tax rate, excluding DTA write-off22% 21% Amortization of intangibles, net of tax6,095 6,303 Net income plus after-tax amortization of intangibles (non-GAAP)139,138$ 149,805$ Average shareholders common equity5,121,560$ 4,991,584$ Less:Average intangible assets2,052,4632,044,469Average tangible common equity3,069,097$ 2,947,115$ Return on Average Tangible Common Equity (Non-GAAP)18.0%20.2%PPNR Return on Average Assets 3Q224Q22PPNR, Adjusted (Non-GAAP)208,603$ 231,439$ Average assets 44,985,713 44,429,894 PPNR ROAA1.84%2.07%

NON-GAAP RECONCILIATIONS –ADJUSTED NET INCOME & ADJUSTED EARNINGS PER SHARE (“EPS”) Dollarsinthousands,exceptforpersharedata36 Adjusted Net Income3Q224Q22Net income (GAAP)133,043$ 143,502$ Plus:Securities gains, net of tax(24) - Merger and branch consolidation related expense, net of tax10,638 1,211 Adjusted Net Income (Non-GAAP)143,657$ 144,713$ Adjusted EPS 3Q224Q22Diluted weighted-average common shares76,182 76,327 Adjusted net income (non-GAAP)143,657$ 144,713$ Adjusted EPS, Diluted (Non-GAAP)1.89$ 1.90$

NON-GAAP RECONCILIATIONS –ADJUSTED RETURN ON AVG. ASSETS & AVG. TANGIBLE COMMON EQUITY DollarsinthousandsThetangiblemeasuresarenon-GAAPmeasuresandexcludetheeffectofperiodendoraveragebalanceofintangibleassets;thetangiblereturnsonequityandcommonequitymeasuresalsoaddbacktheafter-taxamortizationofintangiblestoGAAPbasisnetincome.37Dollars in thousands, except for per share data Adjusted Return on Average Assets3Q224Q22Adjusted net income (non-GAAP)143,657$ 144,713$ Total average assets44,985,713 44,429,894 Adjusted Return on Average Assets (Non-GAAP)1.27%1.29%Adjusted Return on Average Tangible Common Equity3Q224Q22Adjusted net income (non-GAAP)143,657$ 144,713$ Plus:Amortization of intangibles, net of tax6,095 6,303 Adjusted net income plus after-tax amortization of intangibles (non-GAAP)149,752$ 151,016$ Average tangible common equity3,069,097$ 2,947,115$ Adjusted Return on Average Tangible Common Equity (Non-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$

NON-GAAP RECONCILIATIONS –PPNR, ADJUSTED, PPNR/WEIGHTED AVG. CS & CORRESPONDENT & CAPITAL MARKETS INCOME (UNAUDITED) Dollarsandweightedaveragecommonsshareoutstandinginthousandsexceptpersharedata39 4Q211Q222Q223Q224Q22 SSBSSBSSBSSBSSB Net interest income (GAAP)258,096$ 261,518$ 315,815$ 362,334$ 396,004$ Plus: Noninterest income 91,902 86,046 86,756 73,053 63,392 Less: Gain on sale of securities2 - - 30 - Total revenue, adjusted (non-GAAP)349,996$ 347,564$ 402,571$ 435,357$ 459,396$ Less: Noninterest expense224,037 228,600 231,169 240,433 229,499 PPNR (Non-GAAP)125,959$ 118,964$ 171,402$ 194,924$ 229,897$ Plus: Merger and branch consolidation related expense6,645 10,276 5,390 13,679 1,542 FHLB prepayment penalty- - - - - Branch consolidation and cost save initiatives- - - - - Extinguishment of debt cost- - - - - Total adjustments6,645$ 10,276$ 5,390$ 13,679$ 1,542$ PPNR, Adjusted (Non-GAAP)132,604$ 129,240$ 176,792$ 208,603$ 231,439$ Weighted average common shares outstanding, diluted 70,290 72,111 76,094 76,182 76,327 PPNR, Adjusted per Weighted Avg. Common Shares Outstanding, Diluted (Non-GAAP)1.89$ 1.79$ 2.32$ 2.74$ 3.03$ 4Q211Q222Q223Q224Q22SSBSSBSSBSSBSSB ARC revenues16,695$ 15,106$ 13,389$ 5,102$ 1,398$ FI revenues11,317 10,697 10,151 9,201 3,757 Operational revenues2,212 2,147 2,528 2,124 3,154 Total Correspondent & Capital Market Income30,224$ 27,950$ 26,068$ 16,427$ 8,309$ PPNR, Adjusted & PPNR, Adjusted per Weighted Avg. Common Shares Oustanding, Diluted (Non-GAAP) Correspondent & Capital Market Income

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%

42EARNINGS PRESENTATION END NOTESSlide 9 End Notes(1)The tangible measures are non-GAAP measures and exclude the effect of period end or average balance of intangible assets. The tangible returns on equity and common equity measures also add back the after-tax amortization of intangibles to GAAP basis net income; other adjusted figures presented are also Non-GAAP financialmeasures that exclude the impact of branch consolidation and merger-related expenses and gain on sales of securities -See reconciliation of GAAP to Non-GAAP measures in Appendix.Slide 10 End Notes(1)Adjusted figures exclude the impact of merger and branch consolidation related expense andgain on sale of securities; Core net interest income excluding loan accretion and net deferred fees on PPP is also a non-GAAP financial measure; Adjusted efficiency ratio is calculated by taking the noninterest expense excluding merger and branchconsolidation related expense, gain on sales of securities, and amortization of intangible assets -See reconciliation of GAAP to Non-GAAP measures in Appendix.(2)Adjusted PPNR, PPNR ROAA and PPNR per weighted average diluted share are Non-GAAP financial measures that exclude the impact of merger and branch consolidation related expenseand gain on sales of securities-See reconciliation of GAAP to Non-GAAP measures in Appendix.(4) Excluding loan accretion and net deferred fees on PPP loansSlide11EndNotes(1)AdjustedPPNRperweightedaveragedilutedshares;thisisaNon-GAAPfinancialmeasurethatexcludestheimpactofmergerandbranchconsolidationrelatedexpenseandgainonsaleofsecurities-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.Slide12EndNotes(1)TaxequivalentNIMisaNon-GAAPfinancialmeasure-SeereconciliationofGAAPtoNon-GAAPmeasuresinAppendix.Slide13EndNotes(4) The combined historical information referred to in this presentation as the “Combined Business Basis” presented is based on the reported GAAP results of the Company and CenterState for the applicable periods without adjustments and the information included in this release has not been prepared in accordance with Article 11 of Regulation S-X, and therefore does not reflect any of the pro forma adjustments that would be required thereby.All Combined Business Basis financial information should be reviewed in connection the historical information of the Company and CenterState, as applicable. The combined historical information excludes ACBI.Slide15EndNotes(1)Thecombinedhistoricalinformationreferredtointhispresentationasthe“CombinedBusinessBasis”presentedisbasedonthereportedGAAPresultsoftheCompanyandCenterStatefortheapplicableperiodswithoutadjustmentsandtheinformationincludedinthisreleasehasnotbeenpreparedinaccordancewithArticle11ofRegulationS-X,andthereforedoesnotreflectanyoftheproformaadjustmentsthatwouldberequiredthereby.AllCombinedBusinessBasisfinancialinformationshouldbereviewedinconnectionthehistoricalinformationoftheCompanyandCenterState,asapplicable.ThecombinedhistoricalinformationexcludesACBI.(2)AsaresultoftheconversionoflegacyCenterState’scoresystemtotheCompany’scoresystemcompletedin2Q2021,severalloanswerereclassifiedtoconformwiththeCompany’sloansegmentation,mostnotablyresidentialinvestmentloanswhichwerereclassedfromconsumerR/Etoinvestorcommercialrealestatecategory.ConsumerR/Eloansasof1Q20,therefore,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.