SSBK / Southern States Bancshares, Inc. - SEC-arkiveringer, Årsrapport, Fullmaktsdokument

Southern States Bancshares, Inc.
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SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Southern States Bancshares, Inc.
SEC Filings (Chronological Order)
På denne siden finner du en fullstendig, kronologisk liste over SEC-arkiveringer, med unntak av eierskaps-arkiveringer som vi leverer andre steder.
July 16, 2025 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-40727 Southern States Bancshares, Inc. (Exact name of registrant as spec

July 16, 2025 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-40727 Southern States Bancshares, Inc. (Exact name of registrant as spec

July 16, 2025 AW

July 16, 2025

July 16, 2025 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Re: Southern States Bancshares, Inc. Request for Withdrawal of Amendments to Registration Statements on Form S-3 (File Nos. 333-267772 and 333-269180) Ladies and Gentlemen: Pursuant to Rule 477 under the Securities Act of 1933, as amended, Southern States Bancsh

July 16, 2025 15-12G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 15 CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-40727 Southern States Bancshares, Inc. (Exact name of registrant as spec

July 2, 2025 POS AM

As filed with the Securities and Exchange Commission on July 2, 2025

As filed with the Securities and Exchange Commission on July 2, 2025 Registration Nos.

July 2, 2025 POS AM

As filed with the Securities and Exchange Commission on July 2, 2025

As filed with the Securities and Exchange Commission on July 2, 2025 Registration Nos.

July 1, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 26, 2025 Southern States Ban

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 26, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 1, 2025 S-8 POS

As filed with the Securities and Exchange Commission on July 1, 2025

S-8 POS As filed with the Securities and Exchange Commission on July 1, 2025 Registration No.

July 1, 2025 S-3/A

As filed with the Securities and Exchange Commission on July 1, 2025

As filed with the Securities and Exchange Commission on July 1, 2025 Registration Nos.

June 12, 2025 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 12, 2025 FB FINANCIAL CORPOR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 12, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 12, 2025 EX-99.1

June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking sta

a6122025kbwinvestorconfe June 17, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

June 12, 2025 EX-99.2

FB Financial and Southern States Receive Final Regulatory Approvals for Merger

Exhibit 99.2 Joint Press Release for Immediate Release FB Financial and Southern States Receive Final Regulatory Approvals for Merger (NASHVILLE, Tenn. & ANNISTON, Ala.) June 12, 2025 — FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly a

June 3, 2025 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2025 FB FINANCIAL CORPORA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): June 3, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commission

June 3, 2025 EX-99.1

June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking stat

a632025stephensinvestorc June 4, 2025 Second Quarter 2025 Investor Presentation 1 Forward–looking statements Certain statements by FB Financial Corporation (the “Company”) contained in this Presentation that are not historical in nature may be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

May 21, 2025 DEFM14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defi

May 5, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2025 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 S

April 22, 2025 EX-99.1

Southern States Bancshares, Inc. Announces First Quarter 2025 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces First Quarter 2025 Financial Results First Quarter 2025 Performance and Operational Highlights •Net income of $10.4 million, or $1.03 per diluted share •Core net income(1) of $10.3 million, or $1.03 per diluted share(1) •Pretax pre-provision core net income(1) of $1

April 22, 2025 EX-99.2

Q1 2025 Investor Presentation April 2025 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among oth

Q1 2025 Investor Presentation April 2025 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

April 22, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 21, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 18, 2025 10-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K/A Amendment No. 1 ☐ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40727 Souther

April 18, 2025 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, April 17, 2025 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per

April 18, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2025 Southern States Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 16, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 17, 2025 425

The following article, dated as of April 16, 2025, was published in the American Banker, and quoted Christopher T. Holmes, President and CEO of FB Financial Corporation.

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

March 31, 2025 EX-10.1

Form of Southern States Bancshares, Inc. Director and Executive Officer Voting Agreement

VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc.

March 31, 2025 EX-10.2

Form of FB Financial Corporation Director and Executive Officer Voting Agreement

Exhibit 10.2 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned Shareholder (the “Shareholder”) of Buyer in the Shareholder’s capacity as a Shareholder of Buyer, and not in his or her

March 31, 2025 EX-99.1

FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES

Exhibit 99.1 Joint Press Release for Immediate Release FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES March 31, 2025 (NASHVILLE, TN and ANNISTON, AL) – FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc. (“Southern States”) (Nasdaq: SSBK), the parent company of Southern States Bank, jointly annou

March 31, 2025 EX-10.3

Form of Settlement Agreement

FORM OF SETTLEMENT AGREEMENT This Settlement Agreement (the “Settlement Agreement”) is entered into as of , 2025, effective as of the Effective Date (as defined below) by and among (the “Executive”), Southern States Bancshares, Inc.

March 31, 2025 EX-2.1

Agreement and Plan of Merger by and between FB Financial Corporation and Southern States Bancshares, Inc., dated as of March 31, 2025*

Exhibit 2.1 Execution Version AGREEMENT AND PLAN OF MERGER by and between FB FINANCIAL CORPORATION and SOUTHERN STATES BANCSHARES, INC. Dated as of March 31, 2025 TABLE OF CONTENTS ARTICLE I THE MERGER Section 1.01 The Merger ............................................................................................................2 Section 1.02 Charter and Bylaws.................................

March 31, 2025 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 31, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

March 31, 2025 425

The following communication was made available to employees of FB Financial Corporation and Southern States Bancshares, Inc. on March 31, 2025

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

March 31, 2025 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 31, 2025 FB FINANCIAL CORPO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of report (Date of earliest event reported): March 31, 2025 FB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Tennessee 001-37875 62-1216058 (State or other jurisdiction of incorporation) (Commissio

March 31, 2025 EX-10.1

Form of Southern States Bancshares, Inc. Director and Executive Officer Voting Agreement

Exhibit 10.1 VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of March 31, 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc. (“Seller”), an Alabama corporation, and the undersigned stockholder (the “Stockholder”) of Seller in the Stockholder’s capacity as a stockholder of Seller, and not in his or h

March 31, 2025 425

The following is a transcript of a conference call held on March 31, 2025 relating to the announcement of the proposed merger between FB Financial Corporation and Southern States Bancshares, Inc.

Filed by FB Financial Corporation pursuant to Rule 425 under the Securities Act of 1933 and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Southern States Bancshares, Inc.

March 31, 2025 EX-10.2

Form of FB Financial Corporation Director and Executive Officer Voting Agreement

VOTING AGREEMENT This VOTING AGREEMENT (this “Agreement”) is made and entered into as of 2025, by and among FB Financial Corporation (“Buyer”), a Tennessee corporation, Southern States Bancshares, Inc.

March 31, 2025 EX-99.2

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc. Exhibit 99.2 2 IMPORTANT INFORMATION FOR SHAREHOLDERS AND INVESTORS This communication does not constitute an offer to buy or sell, or the solicitation of an offer

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc.

March 31, 2025 EX-99.1

FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES

Joint Press Release for Immediate Release FB FINANCIAL TO EXPAND IN ALABAMA AND GEORGIA BY MERGER WITH SOUTHERN STATES March 31, 2025 (NASHVILLE, TN and ANNISTON, AL) – FB Financial Corporation (“FB Financial”) (NYSE: FBK), the parent company of FirstBank, and Southern States Bancshares, Inc.

March 31, 2025 EX-99.2

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc. 2 IMPORTANT INFORMATION FOR SHAREHOLDERS AND INVESTORS This communication does not constitute an offer to buy or sell, or the solicitation of an offer to buy or se

March 31, 2025 FB Financial Corporation’s Merger with Southern States Bancshares, Inc.

March 31, 2025 EX-2.1

Agreement and Plan of Merger by and between FB Financial Corporation and Southern States Bancshares, Inc., dated as of March 31, 2025

Execution Version AGREEMENT AND PLAN OF MERGER by and between FB FINANCIAL CORPORATION and SOUTHERN STATES BANCSHARES, INC.

March 14, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40727 Southern States Bancshare

March 14, 2025 EX-97.1

Incentive-Based Compensation Recovery Policy

EX-97.1 8 ssbk-incentivexbasedcompen.htm EX-97.1 Ex 97.1 SOUTHERN STATES BANCSHARES, INC. Incentive-Based Compensation Recovery Policy Approved September 20, 2023 The Board of Directors (the “Board”) of Southern States Bancshares, Inc. (the “Company”) has determined that it is in the best interests of the Company and its stockholders to adopt this Incentive-Based Compensation Recovery Policy (this

March 14, 2025 EX-19.1

Insider Trading Policy

Southern States Bancshares, Inc. Insider Trading Policy March 20, 2024 I.Purpose This Insider Trading Policy (“Policy”) of Southern States Bancshares, Inc. (together with its subsidiaries, the “Company”) sets forth the general standards for all employees, consultants, contractors, officers and directors with respect to engaging in transactions in Company securities and securities of other publicly

February 12, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 6, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 22, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 21, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 22, 2025 EX-99.2

Q4 2024 Investor Presentation January 2025 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among o

Q4 2024 Investor Presentation January 2025 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

January 22, 2025 EX-99.1

Southern States Bancshares, Inc. Announces Fourth Quarter 2024 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Fourth Quarter 2024 Financial Results Fourth Quarter 2024 Performance and Operational Highlights •Net income of $11.2 million, or $1.11 per diluted share •Core net income(1) of $10.5 million, or $1.04 per diluted share(1) •Pretax pre-provision core net income(1) of

January 16, 2025 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, January 15, 2025 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

January 16, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 15, 2025 Southern States

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 15, 2025 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

November 14, 2024 EX-10.1

Third Amendment to Loan Agreement, dated August 23, 2024, between Southern States Bancshares, Inc. and First Horizon Bank (formerly First Tennessee Bank National Association), and related Third Amended and Restated Revolving Credit Note

November 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2024 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-407

October 22, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Third Quarter 2024 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Third Quarter 2024 Financial Results Third Quarter 2024 Performance and Operational Highlights •Net income of $7.4 million, or $0.76 per diluted share •Core net income(1) of $8.7 million, or $0.89 per diluted share(1) •Core pretax pre-provision net income(1) of $13.

October 22, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 21, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 22, 2024 EX-99.2

Q3 2024 Investor Presentation October 2024 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among o

Q3 2024 Investor Presentation October 2024 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

October 17, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 16, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 17, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, October 16, 2024 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

August 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2024 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 So

August 1, 2024 EX-99.1

Southern States Bancshares Completes Acquisition of CBB Bancorp

Southern States Bancshares Completes Acquisition of CBB Bancorp ANNISTON, Ala., August 1, 2024 (GLOBE NEWSWIRE) - Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, announced today the completion of its previously announced acquisition of CBB Bancorp (“CBB Bancorp”), the holding company for Century Bank of Georgia (“Century Bank”). Ef

August 1, 2024 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 31, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 23, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Second Quarter 2024 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Second Quarter 2024 Financial Results Second Quarter 2024 Performance and Operational Highlights •Net income of $8.2 million, or $0.90 per diluted share •Core net income(1) of $9.1 million, or $1.00 per diluted share(1) •Net interest income of $21.6 million, an incr

July 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 22, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 23, 2024 EX-99.2

Q2 2024 Investor Presentation July 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations

Q2 2024 Investor Presentation July 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

July 18, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 17, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 18, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, July 17, 2024 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per s

May 21, 2024 424B3

PROPOSED MERGER – YOUR VOTE IS VERY IMPORTANT

Filed pursuant to Rule 424(b)(3) Registration Statement No. 333-279079 PROPOSED MERGER – YOUR VOTE IS VERY IMPORTANT To CBB Bancorp Shareholders: The board of directors of CBB Bancorp (“CBB”) has approved an Agreement and Plan of Merger dated as of February 27, 2024 (the “merger agreement”) between Southern States Bancshares, Inc. (“Southern States”) and CBB, pursuant to which CBB will be merged w

May 17, 2024 S-4/A

As filed with the Securities and Exchange Commission on May 17, 2024

As filed with the Securities and Exchange Commission on May 17, 2024 Registration No.

May 17, 2024 EX-99.1

Form of Proxy of CBB Bancorp

Exhibit 99.1 slide1 PROXY CBB BANCORP THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS OF CBB BANCORP FOR THE 2024 SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON TUESDAY, JULY 9, 2024 The shareholder(s) hereby appoint(s) Richard Drews and David Caswell, or any of them, as proxies, each with the power to appoint his substitute, and hereby authorize(s) them to represent and to vote, as des

May 17, 2024 CORRESP

May 17, 2024

May 17, 2024 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: Robert Arzonetti Re: Southern States Bancshares, Inc. Registration Statement on Form S-4 File No. 333-279079 Ladies and Gentlemen: Pursuant to Rule 461 of the Securities Act of 1933, as amended, Southern States Bancshares, Inc. (the “Company”) hereby reques

May 17, 2024 EX-99.2

Consent of Performance Trust Capital Partners, LLC

Exhibit 99.2 May 17, 2024 The Board of Directors CBB Bancorp 215 E Main Street Cartersville, Georgia 30120 Members of the Board of Directors: We hereby consent to the inclusion of our opinion letter, dated February 27, 2024, to the Board of Directors of CBB Bancorp as Annex C to, and to the reference thereto under the captions “Summary – Opinion of CBB’s Financial Advisor,” “The Merger – Opinion o

May 17, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Commi

May 17, 2024 EX-99.4

m of Election Form and Letter of

Exhibit 99.4 Alliance Advisors, LLC 844-874-6165 [email protected] MR A SAMPLE DESIGNATION (IF ANY) ADD 1 ADD 2 ADD 3 ADD 4 ADD 5 ADD 6 Tax ID certification on file: TOTAL SHARES 12345678901234 TIME SENSITIVE INFORMATION. PLEASE COMPLETE AND RETURN PROMPTLY IN ACCORDANCE WITH THE ENCLOSED INSTRUCTIONS. ELECTION FORM AND LETTER OF TRANSMITTAL To accompany certificates of common stock of CBB

May 14, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2024 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 S

May 2, 2024 EX-FILING FEES

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Table Form S-4 (Form Type) Southern States Bancshares, Inc.

May 2, 2024 EX-99

Form of Proxy of CBB Bancorp

PLEASE DETACH ALONG PERFORATED LINE AND MAIL IN THE ENVELOPE PROVIDED. (Continued and to be marked, dated, and signed on the other side) PRELIMINARY PROXY CBB BANCORP THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS OF CBB BANCORP FOR THE 2024 SPECIAL MEETING OF SHAREHOLDERS TO BE HELD ON [MEETING DATE], 2024 The shareholder(s) hereby appoint(s) Richard Drews and David Caswell, or any o

May 2, 2024 EX-99.3

Consent of Richard E. Drews, Jr.

Exhibit 99.3 CONSENT OF DIRECTOR-NOMINEE This Consent of Director-Nominee is delivered in connection with the registration statement on Form S-4 of Southern States Bancshares, Inc. to be filed with the U.S. Securities Exchange Commission (as it may be amended from time to time, the “Registration Statement”) for the registration under the Securities Act of 1933, as amended, of the shares of Souther

May 2, 2024 S-4

As filed with the Securities and Exchange Commission on May 2, 2024

As filed with the Securities and Exchange Commission on May 2, 2024 Registration No.

May 2, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 2, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Commis

May 2, 2024 EX-99.2

Consent of Performance Trust Capital Partners, LLC

Exhibit 99.2 May 2, 2024 The Board of Directors CBB Bancorp 215 E Main Street Cartersville, Georgia 30120 Members of the Board of Directors: We hereby consent to the inclusion of our opinion letter, dated February 27, 2024, to the Board of Directors of CBB Bancorp as Annex C to, and to the reference thereto under the captions “Summary – Opinion of CBB’s Financial Advisor,” “The Merger – Opinion of

April 26, 2024 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Davis Partnership, LP - SC 13G/A Passive Investment

SC 13G/A 1 tm2412674d3sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Southern States Bancshares, Inc. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Sta

April 26, 2024 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Davis Partnership, LP - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Southern States Bancshares, Inc. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to desig

April 23, 2024 EX-99.2

Q1 2024 Investor Presentation April 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectation

Q1 2024 Investor Presentation April 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

April 23, 2024 EX-99.1

Southern States Bancshares, Inc. Announces First Quarter 2024 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces First Quarter 2024 Financial Results First Quarter 2024 Performance and Operational Highlights •Net income of $8.1 million, or $0.90 per diluted share •Core net income(1) of $8.1 million, or $0.90 per diluted share(1) •Net interest income of $20.8 million, an increa

April 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 18, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 17, 2024 Southern States Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 17, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 18, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, April 17, 2024 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per

March 22, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

March 22, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

March 21, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 20, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

March 21, 2024 EX-99.1

Southern States Bancshares Announces Retirement of COO Jack Swift

Exhibit 99.1 Southern States Bancshares Announces Retirement of COO Jack Swift ANNISTON, Ala., March 21, 2024 (GLOBE NEWSWIRE) – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States” or the “Company”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced the retirement of Chief Operating Officer Jack Swift, effective Ma

March 14, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40727 Southern States Bancshare

March 14, 2024 EX-97.1

Incentive-Based Compensation Recovery Policy

Ex 97.1 SOUTHERN STATES BANCSHARES, INC. Incentive-Based Compensation Recovery Policy Approved September 20, 2023 The Board of Directors (the “Board”) of Southern States Bancshares, Inc. (the “Company”) has determined that it is in the best interests of the Company and its stockholders to adopt this Incentive-Based Compensation Recovery Policy (this “Policy”), which provides for the recovery of ce

February 28, 2024 EX-99.2

CENTURY BANK OF GEORGIA TO MERGE WITH SOUTHERN STATES BANK IN ITS NEXT PHASE OF SERVICE TO BARTOW COUNTY

Exhibit 99.2 CENTURY BANK OF GEORGIA TO MERGE WITH SOUTHERN STATES BANK IN ITS NEXT PHASE OF SERVICE TO BARTOW COUNTY CARTERSVILLE, GA (February 28, 2024) – CBB Bancorp, the holding company for Century Bank of Georgia (“Century Bank”), announced today that it will merge with and into Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), with Southern States as the surviving company

February 28, 2024 EX-2.1

Agreement and Plan of Merger by and between Southern States Bancshares, Inc. and CBB Bancorp, dated as of February 27, 2024 (incorporated by reference to Exhibit 2.1 to the Southern States Bancshares Inc.'s Current Report on Form 8-K filed with the SEC on February 28, 2024, file number 001-40727).

Execution Version Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between SOUTHERN STATES BANCSHARES, INC. and CBB BANCORP dated as of February 27, 2024 TABLE OF CONTENTS Caption Page Article 1 NAME 1 1.1 Name 1 1.2 Definitions 1 Article 2 MERGER — TERMS AND CONDITIONS 1 2.1 Applicable Law 1 2.2 Corporate Existence 2 2.3 Articles of Incorporation and Bylaws 2 2.4 Resulting Corporation’s Board 2 2.

February 28, 2024 EX-99.1

SOUTHERN STATES BANCSHARES TO ENHANCE GEORGIA FRANCHISE WITH ACQUISITION OF CBB BANCORP

7:30 A.M. ET February 28, 2024 Exhibit 99.1 SOUTHERN STATES BANCSHARES TO ENHANCE GEORGIA FRANCHISE WITH ACQUISITION OF CBB BANCORP ANNISTON, AL and CARTERSVILLE, GA (February 28, 2024) - Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, and CBB Bancorp (“CBB Bancorp”), the holding company for Century Bank of Georgia (“Century Bank”)

February 28, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2024 Southern States

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 27, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (

February 28, 2024 EX-99.3

Southern States Bancshares, Inc. Acquisition of CBB Bancorp February 28, 2024 2 Important Notices and Disclaimers Important Information and Where to Find It This presentation does not constitute an offer to sell or the solicitation of an offer to buy

Southern States Bancshares, Inc. Acquisition of CBB Bancorp February 28, 2024 2 Important Notices and Disclaimers Important Information and Where to Find It This presentation does not constitute an offer to sell or the solicitation of an offer to buy any securities or a solicitation of any vote or approval with respect to the proposed acquisition (the “Merger”) by Southern States of CBB Bancorp. N

February 28, 2024 EX-10.1

Form of Support Agreement (incorporated by reference to Exhibit 10.1 to the Southern States Bancshares Inc.'s Current Report on Form 8-K filed with the SEC on February 28, 2024, file number 001-40727).

Exhibit 10.1 Form of Support Agreement February 27, 2024 Southern States Bancshares, Inc. 615 Quintard Avenue Anniston, Alabama 36201 Attention: Mark Chambers Dear Mr. Chambers: The undersigned is a director of CBB Bancorp (“CBB”) and is the beneficial owner of shares of common stock, par value $0.01 per share, of CBB (“CBB Common Stock”). CBB and Southern States Bancshares, Inc., an Alabama corpo

February 14, 2024 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Strategic Value Investors LP - AMENDMENT TO FORM SC 13G Passive Investment

SC 13G/A 1 ssb-sc13ga123123.htm AMENDMENT TO FORM SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No. 2)* Southern States Bancshares, Inc. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2023 (Date of Event which Requires F

February 14, 2024 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Fourthstone LLC - AMENDMENT TO FORM SC 13G Passive Investment

SC 13G/A 1 ssbk-13ga123123.htm AMENDMENT TO FORM SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1)* Under the Securities Exchange Act of 1934 SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Titles of Class of Securities) 843878307 (CUSIP Number) December 31, 2023 (Date of Event Which Requires F

February 9, 2024 SC 13G/A

SSBK / Southern States Bancshares, Inc. / BANC FUNDS CO LLC - NONE Passive Investment

SC 13G/A 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Southern States Bancshares, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designa

February 2, 2024 SC 13G

SSBK / Southern States Bancshares, Inc. / Davis Floyd C. - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to desig

January 23, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Fourth Quarter 2023 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Fourth Quarter 2023 Financial Results Fourth Quarter 2023 Performance and Operational Highlights •Core net income(1) of $7.3 million, or $0.81 per diluted share(1) •Net income of $8.9 million, or $0.99 per diluted share •Net interest income of $20.4 million, a decre

January 23, 2024 EX-99.2

Q4 2023 Investor Presentation January 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectati

Q4 2023 Investor Presentation January 22, 2024 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

January 23, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 22, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 18, 2024 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, January 17, 2024 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

January 18, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 17, 2024 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

December 20, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 20, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (

December 20, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Renewal of $10.0 Million Stock Repurchase Program

Southern States Bancshares, Inc. Announces Renewal of $10.0 Million Stock Repurchase Program ANNISTON, Ala., December 20, 2023 (GLOBE NEWSWIRE) – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States” or the “Company”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has approved the rene

November 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2023 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-407

October 24, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2023 Southern States

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 24, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Third Quarter 2023 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Third Quarter 2023 Financial Results Third Quarter 2023 Performance and Operational Highlights •Core net income(1) of $9.6 million, or $1.06 per diluted share(1) •Net income of $6.6 million, or $0.73 per diluted share •Net interest income of $20.7 million, an increa

October 24, 2023 EX-99.2

Q3 2023 Investor Presentation October 23, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectati

ssbk-x3q23investorpresen Q3 2023 Investor Presentation October 23, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

October 20, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 19, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 20, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, October 19, 2023 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

August 14, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2023 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 So

August 14, 2023 EX-10.2

Amendment No. 2 of the Southern States Bancshares, Inc. 2017 Incentive Stock Compensation Plan (incorporated by reference to Exhibit 10.2 to the Southern States Bancshares Inc.'s Quarterly Report on Form 10-Q filed with the SEC on August 14, 2023, file number 001-40727).

AMENDMENT NO. 2 OF THE SOUTHERN STATES BANCSHARES, INC. 2017 INCENTIVE STOCK COMPENSATION PLAN This Amendment No. 2 to the Southern States Bancshares, Inc. 2017 Stock Compensation Plan is adopted by the Board of Directors of Southern States Bancshares, Inc. (the “Company”), an Alabama corporation, as of the day of , 2023. WHEREAS, the Company previously adopted the 2017 Incentive Stock Compensatio

July 25, 2023 EX-99.2

Q2 2023 Investor Presentation July 24, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations

ssbk-x2q23investorpresen Q2 2023 Investor Presentation July 24, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

July 25, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Second Quarter 2023 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces Second Quarter 2023 Financial Results Second Quarter 2023 Performance and Operational Highlights •Net income of $8.8 million, or $0.98 per diluted share •Core net income(1) of $7.1 million, or $0.79 per diluted share(1) •Net interest income of $19.4 million, a decre

July 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2023 Southern States Ban

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 21, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, July 19, 2023 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per s

July 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2023 Southern States Ban

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

May 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 17, 2023 Southern States Banc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 17, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Commi

May 15, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2023 or ☐ Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 S

May 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2023 Southern States Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

May 1, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Leadership Transition Mark Chambers, Current President, Appointed Chief Executive Officer J. Henry Smith, IV Named Chairman of Company and Bank Boards Chairman and CEO Stephen Whatley Retires After 16 Years

Southern States Bancshares, Inc. Announces Leadership Transition Mark Chambers, Current President, Appointed Chief Executive Officer J. Henry Smith, IV Named Chairman of Company and Bank Boards Chairman and CEO Stephen Whatley Retires After 16 Years at the Helm ANNISTON, Ala., May 1, 2023 (GLOBE NEWSWIRE) – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States” or the “Company”), the h

May 1, 2023 EX-10.1

Confidential Severance and Release Agreement, dated April 28, 2023

CONFIDENTIAL SEVERANCE AND RELEASE AGREEMENT This Confidential Severance and Release Agreement (“Agreement”) is entered into among Southern States Bancshares, Inc.

April 25, 2023 EX-99.1

Southern States Bancshares, Inc. Announces First Quarter 2023 Financial Results

SOUTHERN STATES BANCSHARES, INC. 615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc. Announces First Quarter 2023 Financial Results First Quarter 2023 Performance and Operational Highlights •Net income of $7.7 million, or $0.85 per diluted share •Core net income(1) of $7.3 million, or $0.80 per diluted share(1) •Net interest income of $19.5 million, a decreas

April 25, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2023 Southern States Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 25, 2023 EX-99.2

Q1 2023 Investor Presentation April 24, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectation

ssbk-x1q23investorpresen Q1 2023 Investor Presentation April 24, 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

April 21, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2023 Southern States Ba

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 21, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, April 20, 2023 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per

March 22, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

March 22, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

DEFA14A 1 a2023proxy-defa14a.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary P

March 17, 2023 8-K/A

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K/A CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 15, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

March 14, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40727 Southern States Bancshare

March 14, 2023 EX-10.6

Southern States Bancshares, Inc. Executive Deferred Restricted Stock Unit Plan (incorporated by reference to Exhibit 10.6 to Southern States Bancshares, Inc.'s Annual Report on Form 10-K filed with the SEC on August 14, 2023, file number 001-40727).

Exhibit 10.6 SOUTHERN STATES BANCSHARES, INC. EXECUTIVE DEFERRED RESTRICTED STOCK UNIT PLAN The Southern States Bancshares, Inc. Executive Deferred Restricted Stock Unit Plan (the “Plan”) is hereby adopted by Southern States Bancshares, Inc., an Alabama corporation (the “Company”) as of the date below. W I T N E S S E T H: WHEREAS, the Company desires to adopt an Executive Deferred Restricted Stoc

March 14, 2023 EX-10.9

Form of Restricted Stock Unit Award Agreement (incorporated by reference to Exhibit 10.9 to Southern States Bancshares, Inc.’s Annual Report on Form 10-K filed with the SEC on August 14, 2023, file number 001-40727).

Exhibit 10.9 SOUTHERN STATES BANCSHARES, INC. RESTRICTED STOCK UNIT AWARD AGREEMENT AWARD SUMMARY Participant: Award Date: Number of RSUs: RECITALS A.The Board of Directors of Southern States Bancshares, Inc. has adopted the 2017 Incentive Stock Compensation Plan, as it may be amended from time to time (the “Plan”) for the purpose of retaining the services of selected employees. B.Participant is t

March 14, 2023 EX-10.5

Amendment No. 1 to the 2017 Incentive Stock Compensation Plan (incorporated by reference to Exhibit 10.5 to Southern States Bancshares, Inc.’s Annual Report on Form 10-K filed with the SEC on August 14, 2023, file number 001-40727).

Exhibit 10.5 AMENDMENT NO. 1 OF THE SOUTHERN STATES BANCSHARES 2017 INCENTIVE STOCK COMPENSATION PLAN This Amendment to the Southern States Bancshares 2017 Incentive Stock Compensation Plan is adopted as of the 21st day of December 2022 by Southern States Bancshares, Inc. (the “Company”), an Alabama corporation. WHEREAS, the Company previously adopted the 2017 Incentive Stock Compensation Plan as

February 22, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Appointment of Three Directors, Deepening Board Experience in High-Growth Atlanta Region

Southern States Bancshares, Inc. Announces Appointment of Three Directors, Deepening Board Experience in High-Growth Atlanta Region ANNISTON, Ala., February 22, 2023 (GLOBE NEWSWIRE) – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States” or the “Company”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced the appoin

February 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 15, 2023 Southern States

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 15, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (

February 14, 2023 SC 13G

SSBK / Southern States Bancshares, Inc. / Fourthstone LLC - SCHEDULE 13G Passive Investment

SC 13G 1 ssbk-sc13g123122.htm SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. )* Under the Securities Exchange Act of 1934 SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Titles of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this St

February 13, 2023 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Whatley Stephen W. - SC 13G/A Passive Investment

SC 13G/A 1 whatley13g2023.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statem

February 13, 2023 SC 13G

SSBK / Southern States Bancshares, Inc. / BANC FUNDS CO LLC - NONE Passive Investment

SC 13G 1 doc1.htm NONE UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. n/a )* Southern States Bancshares, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to design

February 9, 2023 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Davis Floyd C. - SC 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to desig

January 31, 2023 SC 13G/A

SSBK / Southern States Bancshares, Inc. / Strategic Value Bank Partners LLC - STRATEGIC VALUE BANK - 13G/A Passive Investment

SC 13G/A 1 SSBK13g.htm STRATEGIC VALUE BANK - 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Southern States Bancshares, Inc (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of

January 24, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Fourth Quarter 2022 Financial Results

615 Quintard Avenue / Anniston, AL 36201 / (256) 241-1092 Southern States Bancshares, Inc.

January 24, 2023 EX-99.2

Q4 2022 Investor Presentation January 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations

Q4 2022 Investor Presentation January 2023 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

January 24, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 23, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 19, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 18, 2023 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 19, 2023 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, January 19, 2023 – Southern States Bancshares, Inc. (NASDAQ: SSBK) (“Southern States”), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the “Bank”), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

January 11, 2023 EX-FILING FEES

Filing Fee Table.*

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Southern States Bancshares, Inc.

January 11, 2023 EX-99.2

Enrollment Form.*

Exhibit 99.2 Telephone: Computershare Trust Company, N.A. PO Box 43006 Providence, RI 02940-3006 800 368 5948 www.computershare.com/investor S S B CN Please return completed form to: Computershare PO Box 43006 Providence, RI 02940-3006 Dividend Reinvestment Plan - Enrollment Form E . Name Address City, State, Zip Holder Account Number -WEB a"SOUTHERN STATES A BANCSHARES, INC. Use a black pen. Prin

January 11, 2023 S-3

As filed with the Securities and Exchange Commission on January 11, 2023

As filed with the Securities and Exchange Commission on January 11, 2023 Registration No.

December 28, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 21, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (

December 15, 2022 424B3

OFFER TO EXCHANGE Up to $40,000,000 aggregate principal amount of 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 7.00% Fixed-to-Floating Rat

File Pursuant to Rule 424(b)(3) Registration No. 333-268673 PROSPECTUS OFFER TO EXCHANGE Up to $40,000,000 aggregate principal amount of 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 The exchange offer will expire at 11:59 p.m., New

December 12, 2022 CORRESP

December 12, 2022

CORRESP 1 filename1.htm December 12, 2022 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: Madeleine Mateo Re: Southern States Bancshares, Inc. Registration Statement on Form S-4 File No. 333-268673 Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amended, Southern States Bancshares, Inc

December 5, 2022 EX-99.1

Form of Letter of Transmittal.*

EX-99.1 6 exhibit991-sx4.htm EX-99.1 Exhibit 99.1 SOUTHERN STATES BANCSHARES, INC. LETTER OF TRANSMITTAL To Tender for Exchange 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 Accredited Investor CUSIP / ISIN#: 843878 AF6 / US843878AF62 and QIB CUSIP / ISIN: 843878 AE9 / US843878AE97 (the “Old Notes”) for 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered u

December 5, 2022 EX-FILING FEES

Filing Fee Table*

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Southern States Bancshares, Inc.

December 5, 2022 EX-25.1

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., as trustee.*

Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ? Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 44-0194180 I.R.S. Em

December 5, 2022 S-4

As filed with the Securities and Exchange Commission on December 5, 2022

As filed with the Securities and Exchange Commission on December 5, 2022 Registration No.

November 10, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2022 or ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-407

October 27, 2022 EX-4.1

Form of 7.00% Fixed-to-Floating Rate Subordinated Note due October 26, 2032 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.7 hereto) (incorporated by reference to Exhibit 4.2 to the Southern States Bancshares, Inc.'s Current Report on Form 8-K filed with the SEC on October 27, 2022, file number 001-40727).

Exhibit 4.1 Execution Version SOUTHERN STATES BANCSHARES, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of October 26, 2022 7.00% Fixed-to-Floating Rate Subordinated Notes due 2032 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions. 11 Section 1.03 Form of Documents Delivered

October 27, 2022 EX-99.2

Subordinated Notes Offering Presentation NASDAQGS: SSBK September 2022 CONFIDENTIAL 2 Table of Contents I. II. III. IV. V. VI. VII. Executive Summary Company Overview Assets Highlights Liabilities Highlights Capital Highlights Income Statement Highli

Subordinated Notes Offering Presentation NASDAQGS: SSBK September 2022 CONFIDENTIAL 2 Table of Contents I.

October 27, 2022 EX-10.1

Form of Subordinated Note Purchase Agreement, dated October 26, 2022, by and among Southern States Bancshares, Inc. and each Purchaser (incorporated by reference to Exhibit 10.1 to Southern States Bancshares, Inc.'s Current Report on Form 8-K filed with the SEC on October 27, 2022, file number 001-40727).

Exhibit 10.1 Execution Version SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of October 26, 2022, and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the ?Company?), and the several purchasers of the Subordinated Notes identified on the signature pages hereto (each a ?Purchaser? and collectively, the ?Pu

October 27, 2022 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 27, 2022 EX-10.2

Form of Registration Rights Agreement, dated October 26, 2022, by and among Southern States Bancshares, Inc. and each Purchaser (incorporated by reference to Exhibit 10.2 to Southern States Bancshares, Inc.'s Current Report on Form 8-K filed with the SEC on October 27, 2022, file number 001-40727).

Exhibit 10.2 Execution Version REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (this ?Agreement?) is dated as of October 26, 2022 and is made by and among Southern States Bancshares, Inc., an Alabama corporation (the ?Company?), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (co

October 27, 2022 EX-99.1

SOUTHERN STATES BANCSHARES, INC. ANNOUNCES COMPLETION OF $40 MILLION SUBORDINATED NOTES OFFERING

Exhibit 99.1 SOUTHERN STATES BANCSHARES, INC. ANNOUNCES COMPLETION OF $40 MILLION SUBORDINATED NOTES OFFERING ANNISTON, Ala., October 26, 2022 (GLOBE NEWSWIRE) - Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States" or the ?Company"), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), announced today the completion of a private place

October 24, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Third Quarter 2022 Financial Results

Southern States Bancshares, Inc. Announces Third Quarter 2022 Financial Results Third Quarter 2022 Highlights ?Linked-quarter loan growth was 26.3% annualized ?Net income of $6.7 million, or $0.75 per diluted share ?Core net income(1) of $6.8 million, or $0.77 per diluted share(1) ?Net interest margin (?NIM?) of 4.15%, up 31 basis points from the prior quarter ?NIM of 4.17% on a fully-taxable equi

October 24, 2022 EX-99.2

Q3 2022 Investor Presentation October 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations

Q3 2022 Investor Presentation October 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

October 24, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 20, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 19, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 20, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Alabama, October 19, 2022 ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 pe

October 13, 2022 CORRESP

October 13, 2022

October 13, 2022 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: David Gessert Re: Southern States Bancshares, Inc. Registration Statement on Form S-3 (File No. 333-267772) Request for Acceleration of Effectiveness Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amended, Southern State

October 7, 2022 EX-4.8

Form of Indenture for Subordinated Indebtedness

Exhibit 4.8 SOUTHERN STATES BANCSHARES, INC. AND , as Trustee INDENTURE Dated as of , SUBORDINATED DEBT SECURITIES TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 SECTION 101. Definitions 1 SECTION 102. Compliance Certificates and Opinions 8 SECTION 103. Form of Documents Delivered to Trustee 8 SECTION 104. Acts of Holders 9 SECTION 105. Notices, etc. 1

October 7, 2022 EX-FILING FEES

Filing Fee Table.*

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) Southern States Bancshares, Inc.

October 7, 2022 EX-4.7

Form of Indenture for Senior Indebtedness (incorporated by reference to Exhibit 4.7 to Southern States Bancshares, Inc.'s Registration Statement on Form S-3 filed with the SEC on October 7, 2022, file number 333-267772).

Exhibit 4.7 SOUTHERN STATES BANCSHARES, INC. AND as Trustee INDENTURE Dated as of , SENIOR DEBT SECURITIES TABLE OF CONTENTS Page ARTICLE ONE DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 SECTION 101. Definitions 1 SECTION 102. Compliance Certificates and Opinions 7 SECTION 103. Form of Documents Delivered to Trustee 7 SECTION 104. Acts of Holders 8 SECTION 105. Notices, etc. 9 SECTION

October 7, 2022 S-3

As filed with the Securities and Exchange Commission on October 7, 2022

As filed with the Securities and Exchange Commission on October 7, 2022 Registration No.

August 16, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 11, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Co

August 12, 2022 EX-10.1

First Amendment to Loan Agreement, dated November 6, 2020, between Southern States Bancshares, Inc. and First Horizon Bank, and related Amended and Restated Revolving Credit Note (incorporated by reference to Exhibit 10.1 to Southern States Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 12, 2022, file number 001-40727).

August 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2022 or ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 So

August 12, 2022 EX-10.2

Second Amendment to Loan Agreement, dated July 20, 2022, between Southern States Bancshares, Inc. and First Horizon Bank (formerly First Tennessee Bank National Association), and related Second Amended and Restated Revolving Credit Note (incorporated by reference to Exhibit 10.2 to Southern States Bancshares, Inc.’s Quarterly Report on Form 10-Q filed with the SEC on August 12, 2022, file number 001-40727).

July 27, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 27, 2022 EX-99.2

Q2 2022 Investor Presentation July 25, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations

Q2 2022 Investor Presentation July 25, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

July 27, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Second Quarter 2022 Financial Results

Southern States Bancshares, Inc. Announces Second Quarter 2022 Financial Results Second Quarter 2022 Highlights ?Linked-quarter loan growth was 36.8% annualized ?Net income of $5.2 million, or $0.59 per diluted share ?Core net income(1) of $5.3 million, or $0.59 per diluted share(1) ?Net interest margin (?NIM?) of 3.84%, up 31 basis points from the prior quarter ?NIM of 3.86% on a fully-taxable eq

July 21, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 20, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Comm

July 21, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Ala., July 20, 2022 ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per shar

May 25, 2022 424B3

OFFER TO EXCHANGE Up to $48,000,000 aggregate principal amount of 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.50% Fixed-to-Floating Rat

Filed pursuant to Rule 424(b)(3) Registration No. 333-264562 PROSPECTUS OFFER TO EXCHANGE Up to $48,000,000 aggregate principal amount of 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered under the Securities Act of 1933 for any and all outstanding unregistered 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 The exchange offer will expire at 5:00 p.m., New

May 23, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 18, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Commi

May 20, 2022 S-4/A

As filed with the Securities and Exchange Commission on May 20, 2022

As filed with the Securities and Exchange Commission on May 20, 2022 Registration No.

May 20, 2022 CORRESP

May 20, 2022

May 20, 2022 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.E. Washington, D.C. 20549 Attn: Jessica Livingston Re: Southern States Bancshares, Inc. Registration Statement on Form S-4 File No. 333-264562 Ladies and Gentlemen: Pursuant to Rule 461 under the Securities Act of 1933, as amended, Southern States Bancshares, Inc. (the ?Company?) hereby r

May 13, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: March 31, 2022 or ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 S

April 29, 2022 EX-25.1

Form T-1 Statement of Eligibility under the Trust Indenture Act of 1939, as amended, of UMB Bank, N.A., as trustee.*

EX-25.1 5 exhibit251-sx4.htm EX-25.1 Exhibit 25.1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM T-1 STATEMENT OF ELIGIBILITY UNDER THE TRUST INDENTURE ACT OF 1939 OF A CORPORATION DESIGNATED TO ACT AS TRUSTEE ☐ Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) UMB BANK, NATIONAL ASSOCIATION (Exact name of Trustee as specified

April 29, 2022 EX-99.1

Form of Letter of Transmittal.*

Exhibit 99.1 SOUTHERN STATES BANCSHARES, INC. LETTER OF TRANSMITTAL To Tender for Exchange 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 Accredited Investor CUSIP / ISIN#: 843878 AC3 / US843878AC32 and QIB CUSIP / ISIN: 843878 AB5 / US843878AB58 (the ?Old Notes?) for 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 that have been registered under the Securities Act of 1933 (the

April 29, 2022 S-4

As filed with the Securities and Exchange Commission on April 29, 2022

As filed with the Securities and Exchange Commission on April 29, 2022 Registration No.

April 29, 2022 EX-FILING FEES

Filing Fee Table*

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) Southern States Bancshares, Inc.

April 25, 2022 EX-99.1

Southern States Bancshares, Inc. Announces First Quarter 2022 Financial Results

Southern States Bancshares, Inc. Announces First Quarter 2022 Financial Results First Quarter 2022 Highlights ?Linked-quarter loan growth was 19.4% annualized ?Net income of $4.6 million, or $0.50 per diluted share ?Core net income(1) of $4.8 million, or $0.53 per diluted share(1) ?Return on average assets (?ROAA?) of 1.03%; return on average stockholders? equity (?ROAE?) of 10.43%; and return on

April 25, 2022 EX-99.2

Q1 2022 Investor Presentation April 25, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectation

Q1 2022 Investor Presentation April 25, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

April 25, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

April 21, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Ala., April 20, 2022 ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), today announced that its Board of Directors has declared a cash dividend on its common stock of $0.09 per sha

April 21, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 20, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Com

March 30, 2022 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of

March 30, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of

March 18, 2022 EX-4.1

Description of Capital Stock (incorporated by reference to Exhibit 4.1 to Southern States Bancshares, Inc.'s Annual Report on Form 10-K filed with the SEC on March 18, 2022, file number 001-40727).

Exhibit 4.1 DESCRIPTION OF SOUTHERN STATES CAPITAL STOCK The authorized capital stock of Southern States Bancshares, Inc. (?Southern States,? ?we,? ?us? or ?our?) consists of 30,000,000 shares of voting common stock, $5.00 par value per share, 5,000,000 shares of non-voting common stock, $5.00 par value per share, and 2,000,000 shares of preferred stock, par value $0.01 per share. The following su

March 18, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40727 + Southern States Bancsha

March 14, 2022 SC 13G

SSBK / Southern States Bancshares, Inc. / Strategic Value Bank Partners LLC - STRATEGIC VALUE BANK - 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Southern States Bancshares, Inc (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) February 18, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designa

February 18, 2022 SC 13D/A

SSBK / Southern States Bancshares, Inc. / Patriot Financial Partners II, L.P. - SCHEDULE 13D/A Activist Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a) (Amendment No. 1)* Southern States Bancshares, Inc. (Name of Issuer) Common Stock, $5.00 par value per share (Title of Class of Securities) 843878307 (CUSIP Number) James J. Lynch Patr

February 17, 2022 EX-99.1

Southern States Bancshares, Inc. Announces $10.0 million Stock Repurchase Program

Southern States Bancshares, Inc. Announces $10.0 million Stock Repurchase Program ANNISTON, Ala., February 16, 2022 (GLOBE NEWSWIRE) ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States? or the ?Company?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), announced today that its Board of Directors has approved a stock repurchase

February 17, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 16, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (

February 14, 2022 SC 13G

SSBK / Southern States Bancshares, Inc. / Davis Floyd C. - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to design

February 10, 2022 SC 13G

SSBK / Southern States Bancshares, Inc. / Whatley Stephen W. - SC 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* SOUTHERN STATES BANCSHARES, INC. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to design

February 8, 2022 EX-10.2

Form of Registration Rights Agreement, dated February 7, 2022, by and among Southern States Bancshares, Inc. and each Purchaser (incorporated by reference to Exhibit 10.2 to Southern States Bancshares, Inc.'s Current Report on Form 8-K filed with the SEC on February 8, 2022, file number 001-40727).

Execution Version REGISTRATION RIGHTS AGREEMENT This REGISTRATION RIGHTS AGREEMENT (this ?Agreement?) is dated as of February 7, 2022 and is made by and among Southern States Bancshares, Inc.

February 8, 2022 EX-99.1

SOUTHERN STATES BANCSHARES, INC. ANNOUNCES COMPLETION OF $48 MILLION SUBORDINATED NOTES OFFERING

SOUTHERN STATES BANCSHARES, INC. ANNOUNCES COMPLETION OF $48 MILLION SUBORDINATED NOTES OFFERING ANNISTON, Ala., February 7, 2022 (GLOBE NEWSWIRE) - Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), announced today the completion of a private placement of $48 million in aggrega

February 8, 2022 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 7, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

February 8, 2022 EX-10.1

Form of 3.50% Fixed-to-Floating Rate Subordinated Note due February 7, 2032 (included as Exhibit A-1 and Exhibit A-2 to the Indenture filed as Exhibit 4.2 hereto) (incorporated by reference to Exhibit 4.2 to Southern States Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on February 8, 2022, file number 001-40727).

Execution Version SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of February 7, 2022, and is made by and among Southern States Bancshares, Inc.

February 8, 2022 EX-99.2

Subordinated Notes Offering Presentation January 2022 CONFIDENTIAL 2 Table of Contents I. II. III. IV. V. VI. VII. Executive Summary Company Overview Assets Highlights Liabilities Highlights Capital Highlights Income Statement Highlights Appendix 5 1

Subordinated Notes Offering Presentation January 2022 CONFIDENTIAL 2 Table of Contents I.

February 8, 2022 EX-4.1

Indenture, dated February 7, 2022, by and between Southern States Bancshares, Inc. and UMB Bank, N.A., as trustee. (incorporated by reference to Exhibit 4.1 to Southern States Bancshares, Inc.’s Current Report on Form 8-K filed with the SEC on February 8, 2022, file number 001-40727).

Execution Version SOUTHERN STATES BANCSHARES, INC. As Issuer, and UMB BANK, N.A. As Trustee INDENTURE Dated as of February 7, 2022 3.50% Fixed-to-Floating Rate Subordinated Notes due 2032 {N4515371.5}123157889v4 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.01 Definitions. 1 Section 1.02 Compliance Certificates and Opinions. 11 Section 1.03 Form of Documen

January 26, 2022 EX-99.2

Q4 2021 Investor Presentation January 24, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectati

Q4 2021 Investor Presentation January 24, 2022 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance.

January 26, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Fourth Quarter 2021 Financial Results

Southern States Bancshares, Inc. Announces Fourth Quarter 2021 Financial Results Fourth Quarter 2021 Highlights ?Linked quarter loan growth was 36.3% annualized, or 40.9% annualized, excluding the impact of Paycheck Protection Program (PPP) loans ?Net income of $4.1 million, or $0.44 per diluted share; return on average assets (ROAA) of 0.99%; return on average stockholders? equity (ROAE) of 9.15%

January 26, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 20, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 19, 2022 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

January 20, 2022 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Ala., January 19, 2022 (GLOBE NEWSWIRE) ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), today announced that its Board of Directors has declared a cash dividend on its common sto

November 12, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: September 30, 2021 or ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-407

October 26, 2021 EX-99.1

Southern States Bancshares, Inc. Announces Third Quarter 2021 Financial Results

Southern States Bancshares, Inc. Announces Third Quarter 2021 Financial Results Third Quarter 2021 Highlights ?Linked quarter loan growth was 17.3% annualized, or 24.5% annualized, excluding the impact of Paycheck Protection Program (?PPP?) loans ?Net income of $4.9 million, or $0.58 per diluted share; return on average assets (?ROAA?) of 1.26%; return on average stockholders? equity (?ROAE?) of 1

October 26, 2021 EX-99.2

Q3 2021 Investor Presentation October 26, 2021 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectati

EX-99.2 3 ssbk3q21investorpresenta.htm EX-99.2 Q3 2021 Investor Presentation October 26, 2021 2 Important Notices and Disclaimers Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the federal securities laws, which reflect our current expectations and beliefs with respect to, among other things, future events and our financial performance. These

October 26, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2021 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

October 20, 2021 EX-99.1

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share

Southern States Bancshares, Inc. Announces Quarterly Cash Dividend of $0.09 per Share ANNISTON, Ala., October 20, 2021 (GLOBE NEWSWIRE) ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), today announced that its Board of Directors has declared a cash dividend on its common sto

October 20, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 20, 2021 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (C

September 24, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended: June 30, 2021 or ? Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File Number: 001-40727 So

August 30, 2021 EX-99.1

Joint Filing Agreement, dated as of August 30, 2021, by and among Patriot Financial Partners II, LP, Patriot Financial Partners Parallel II, LP, Patriot Financial Partners GP II, LP, Patriot Financial Manager, L.P., Patriot Financial Partners GP, LLC, W. Kirk Wycoff, Ira M. Lubert, James J. Lynch and James F. Deutsch.

EX-99.1 2 tm2126392d1ex99-1.htm EXHIBIT 1 EXHIBIT 1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that the Schedule 13D to which this Joint Filing Agreement is being filed as an exhibit shall be a joint statement filed on behalf of each of the undersigned. Date: August 30, 2021 PATRIOT FINANCIAL PARTNERS II,

August 30, 2021 EX-99.5

Form of Lock-Up Agreement.

Exhibit 5 FORM OF LOCK-UP AGREEMENT July 28, 2021 SOUTHERN STATES BANCSHARES, INC.

August 30, 2021 SC 13D

SSBK / Southern States Bancshares, Inc. / Patriot Financial Partners II, L.P. - SC 13D Activist Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Rule 13d-101) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(a) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(a) Southern States Bancshares, Inc. (Name of Issuer) Common Stock, $5.00 par value per share (Title of Class of Securities) 843878307 (CUSIP Number) James J. Lynch Patriot Financial Partner

August 30, 2021 EX-99.4

VCOC Letter Agreement, dated as of December 27, 2016, by and between the Funds and the Company.

Exhibit 4 PATRIOT VCOC LETTER AGREEMENT Southern States Bancshares, Inc. 615 Quintard Avenue Anniston, Alabama 36201 December 27, 2016 Patriot Financial Partners II, L.P. Cira Centre 2929 Arch Street, Floor 27 Philadelphia, PA 19104-2868 Dear Sir/Madam: Reference is made to the Stock Purchase Agreement, dated as of December 27, 2016 (the ?Agreement?), by and among Southern States Bancshares, Inc.,

August 24, 2021 EX-4.3

Southern States Bancshares, Inc. 2017 Incentive Stock Compensation Plan.

Exhibit 4.3 SOUTHERN STATES BANCSHARES 2017 INCENTIVE STOCK COMPENSATION PLAN SOUTHERN STATES BANCSHARES 2017 INCENTIVE STOCK COMPENSATION PLAN This 2017 Incentive Stock Compensation Plan was adopted by the shareholders of Southern States Bancshares, Inc. on May 16, 2018. This Plan is restated in the form below to include the original plan that was re-adopted on May 16, 2018 and all amendments app

August 24, 2021 S-8

As filed with the Securities and Exchange Commission on August 24, 2021

As filed with the Securities and Exchange Commission on August 24, 2021 Registration No.

August 23, 2021 SC 13G

SSBK / Southern States Bancshares, Inc. / Davis Partnership, LP - SOUTHERN STATES BANCSHARES, INC. Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* Southern States Bancshares, Inc. (Name of Issuer) Common Stock, par value $5.00 per share (Title of Class of Securities) 843878307 (CUSIP Number) August 16, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designat

August 17, 2021 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 11, 2021 Southern States Bancshares, Inc. (Exact Name of Registrant as Specified in its Charter) Alabama 001-40727 26-2518085 (State or Other Jurisdiction of Incorporation) (Co

August 17, 2021 EX-99.1

SOUTHERN STATES BANCSHARES ANNOUNCES PRICING OF INITIAL PUBLIC OFFERING

Exhibit 99.1 SOUTHERN STATES BANCSHARES ANNOUNCES PRICING OF INITIAL PUBLIC OFFERING ANNISTON, Ala., August 11, 2021 (GLOBE NEWSWIRE) ? Southern States Bancshares, Inc. (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), announced today the pricing of its initial public offering of 996,429 shares of common stock offered by Sou

August 17, 2021 EX-1.1

Underwriting Agreement by and among Southern States Bancshares, Inc., the Selling Stockholders and the Underwriters, dated as of August 11, 2021.

Exhibit 1.1 EXECUTION VERSION SOUTHERN STATES BANCSHARES, INC. (an Alabama corporation) 2,000,000 Shares of $5.00 Par Value Voting Common Stock UNDERWRITING AGREEMENT August 11, 2021 2,000,000 Shares SOUTHERN STATES BANCSHARES, INC. $5.00 Par Value Voting Common Stock UNDERWRITING AGREEMENT August 11, 2021 KEEFE, BRUYETTE & WOODS, INC. Truist Securities, Inc. (As representatives of the Underwriter

August 17, 2021 EX-99.2

SOUTHERN STATES BANCSHARES ANNOUNCES CLOSING OF INITIAL PUBLIC OFFERING

Exhibit 99.2 SOUTHERN STATES BANCSHARES ANNOUNCES CLOSING OF INITIAL PUBLIC OFFERING ANNISTON, Ala., August 16, 2021 (GLOBE NEWSWIRE) ? Southern States Bancshares, Inc. (NASDAQ: SSBK) (?Southern States?), the holding company for Southern States Bank, an Alabama state-chartered commercial bank (the ?Bank?), announced today the closing of its initial public offering of 996,429 shares of common stock

August 12, 2021 424B4

2,000,000 Shares Common Stock

Table of Contents Filed Pursuant to 424(b)(4) Registration No. 333-257915 PROSPECTUS 2,000,000 Shares Common Stock This is the initial public offering of shares of common stock of Southern States Bancshares, Inc. We are a bank holding company for Southern States Bank, an Alabama state-chartered commercial bank with executive offices in Anniston, Alabama. We are offering 996,429 shares of our votin

August 10, 2021 8-A12B

Form 8-A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 Southern States Bancshares, Inc. (Exact name of registrant as specified in its charter) Alabama 26-2518085 (State of incorporation or organization) (I.R.S. Employer Identification No.) 615 Quinta

August 9, 2021 CORRESP

August 9, 2021

August 9, 2021 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

August 9, 2021 CORRESP

August 9, 2021

August 9, 2021 VIA EDGAR Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

July 30, 2021 FWP

Free Writing Prospectus Filed pursuant to Rule 433 Registration Statement No. 333-257915 Dated July 30, 2021 Investor Presentation August 2021

Free Writing Prospectus Filed pursuant to Rule 433 Registration Statement No. 333-257915 Dated July 30, 2021 Investor Presentation August 2021 Important Notices and Disclaimers The Company has filed a registration statement (Commission File No. 333-257915), including a preliminary prospectus, with the Securities and Exchange Commission (?SEC?) for the offering discussed in this presentation. This

July 30, 2021 CORRESP

615 Quintard Ave ◆ Anniston, AL 36201 ◆ Office: (256) 241-1092 ◆ www.southernstatesbank.net

July 30, 2021 Susan Block United States Securities and Exchange Commission Division of Corporation Finance 100 F Street, N.

July 30, 2021 EX-1.1

Form of Underwriting Agreement

Exhibit 1.1 EXECUTION VERSION SOUTHERN STATES BANCSHARES, INC. (an Alabama corporation) [ ] Shares of $5.00 Par Value Voting Common Stock UNDERWRITING AGREEMENT [?], 2021 [ ] Shares SOUTHERN STATES BANCSHARES, INC. $5.00 Par Value Voting Common Stock UNDERWRITING AGREEMENT [ ], 2021 KEEFE, BRUYETTE & WOODS, INC. Truist Securities, Inc. (As representatives of the Underwriters listed in Annex A here

July 30, 2021 S-1/A

As filed with the United States Securities and Exchange Commission on July 30, 2021

Table of Contents As filed with the United States Securities and Exchange Commission on July 30, 2021 Registration No.

July 15, 2021 EX-10.14

Employment Agreement, dated March 24, 2010, by and between Greg Smith and Southern States Bank (incorporated by reference to Exhibit 10.14 to Southern States Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on July 15, 2021, file number 333-257915).

Exhibit 10.14 EMPLOYMENT AGREEMENT For Gregory B. Smith This Employment Agreement (the ?Agreement?) is made as of this 24th day of March, 2010 (the ?Effective Date?), by and between Southern States Bank, an Alabama bank corporation (the ?Employer?), and Gregory B. Smith (the ?Executive?). WITNESSETH: WHEREAS, the Employer desires to continue the services of and employ the Executive, and the Execut

July 15, 2021 EX-10.8

Employment Agreement, dated February 5, 2001, by and between Mark Chambers and NAB, LLC (incorporated by reference to Exhibit 10.8 to Southern States Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on July 15, 2021, file number 333-257915).

Exhibit 10.8 EMPLOYMENT AGREEMENT THIS AGREEMENT made and entered into on the 5th day of February, 2007, by and between NAB, LLC, an Alabama Limited Liability Company (the ?Bank?), and Mark Chambers (hereinafter ?EMPLOYEE?). WITNESSETH: WHEREAS, the Board of Directors of the Bank believes that it is in the best interest of the Bank to arrange terms of employment for EMPLOYEE so as to reasonably in

July 15, 2021 EX-10.2

2017 Incentive Stock Compensation Plan (incorporated by reference to Exhibit 10.2 to Southern States Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on July 15, 2021, file number 333-257915).

Exhibit 10.2 SOUTHERN STATES BANCSHARES 2017 INCENTIVE STOCK COMPENSATION PLAN 1 SOUTHERN STATES BANCSHARES 2017 INCENTIVE STOCK COMPENSATION PLAN This 2017 Incentive Stock Compensation Plan was adopted by the shareholders of Southern States Bancshares, Inc. on May 16, 2018. This Plan is restated in the form below to include the original plan that was re-adopted on May 16, 2018 and all amendments

July 15, 2021 EX-10.12

Employment Agreement, dated March 24, 2010, by and between James W. Swift and Southern States Bank (incorporated by reference to Exhibit 10.12 to Southern States Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on July 15, 2021, file number 333-257915).

Exhibit 10.12 EMPLOYMENT AGREEMENT For James W. Swift This Employment Agreement (the ?Agreement?) is made as of this 24th day of March, 2010 (the ?Effective Date?), by and between Southern States Bank, an Alabama bank corporation (the ?Employer?), and James W. Swift (the ?Executive?). WITNESSETH: WHEREAS, the Employer desires to continue the services of and employ the Executive, and the Executive

July 15, 2021 EX-4.1

Specimen common stock certificate (incorporated by reference to Exhibit 4.1 to Southern States Bancshares, Inc.’s Registration Statement on Form S-1 filed with the SEC on July 15, 2021, file number 333-257915).

Exhibit 4.1 Certificate Number ZQ00000000 COMMON STOCK COMMON STOCK PAR VALUE $ 5.00 FULLY-PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF SOUTHERN STATES BANCSHARES, INC (hereinafter called the ?Company?), transferable on the books of the Company in person or by duly authorized attorney, upon surrender of this Certificate properly endorsed. This Certificate and the shares represented hereby, ar

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