The ARC Program

Increase ROE, grow loans, boost fee income, and retain top clients longer.

Book a Demo

Learn How It Works

What If Your Bank Could Increase:

Fee Income By 1.00% - 2.00%

Expected Loan Life & Deposit Cross-Sell

Average Loan Size of CRE Deals

Credit Quality by Stabilizing DSCR

That's the Power of the ARC Program

Click to learn how ARC helps ↓

Executives

Increase ROA & ROE

Lenders

Close More Loans & Make More Money

CFOs

Avoid the Headaches of Traditional Swaps

Borrowers

Get the Structure They Need

ALCO Committees

Lower Balance Sheet Risk

Community Banks

Outperform the Competition

ARC gives us such an edge because we’re able to offer things that larger banks offer and compete against them.

Cara McClain

Market President

When we first heard about the ARC Program, it almost sounded too good to be true.

Bob Hampton

Chief Credit Officer

The ARC program has been instrumental in helping our clients lock in long term permanent rates while at the same time mitigating interest rate risk for our bank.

Jason Wilson

SVP, Commercial Lending

The transaction we recently closed using SouthState’s ARC program resulted in significant value for both our bank and our borrower.

Dan Meyer

SVP, Commercial Lending

ARC gave us the ability to offer a rate that was far below what we conventionally charge, and it let us be competitive.

Robert Cannaday

Market President

Testimonials

We Serve Over 1200+ Community Banks

We've helped community banks just like yours win more loans, increase fee income, and mitigate interest rate risk.

Hedged vs. Unhedged Loans by the Numbers

3X

Higher Contribution to Overhead

2.5X

Longer Loan Life

18X

Less likely to be Unprofitable

Get Started

Your plan to win more loans & beat the competition

Learn More Book an ARC Demo

Book an ARC Demo

Learn how ARC works — and how easy it is to use.

Train Your Lenders

We'll equip your team to confidently offer solutions competitors can’t match.

Grow Your Revenue

Start winning more loans and retaining your best clients.

A Better Pricing Structure Starts Here

Which $1,000,000 CRE Loan Would You Rather Have?

Normal Fixed Rate Loan

Traditional fixed-rate lending exposes banks to interest rate risk, credit risk, and margin compression.

Fixed rate interest risk

Margin compression when rates drop

Gets reﬁnanced when rates drop

Little to no fee income

ARC Loan

A modern approach to fixed-rate lending that protects margin, reduces both credit and interest rate risk, and improves profitability.

Floating rate for your bank

Fixed rate for your borrower

Borrower is indifferent to interest rate changes

2x fee income

ARC Loans vs. Traditional Interest Rate Swaps

	ARC	TRADITIONAL SWAP
Fee Generation
Swap/Hedge Portability
Hedges for Unique Structures
No Hedge Accounting or Reporting		not checked
No ISDA Documentation for Bank or Borrower		not checked
No Cash Collateral		not checked

Eliminates the requirement for your loan officers to explain a complex transaction
Puts SouthState’s capabilities to work for you, giving your bank the marketing, sales, data and pricing support to better compete in today's landscape
Training provided to all of your lenders
The SouthState ARC team can meet in-person with your borrowers anytime

We Are Ready to Help