SOUTHERN FIRST BANK

GREENVILLE, SC | Large | Est. Jan. 10, 2000, midnight | FDIC #35295 | RSSD #2849801 | FDIC
Latest Report: 2025-12-31

SOUTHERN FIRST BANK is aln large FDIC-insured commercial bank headquartered in GREENVILLE, SC, established in Jan. 10, 2000, midnight. As of 2025-12-31, the bank reported total assets of $4.4B and total deposits of $3.7B. Profitability stands at 0.94% ROA and 10.75% ROE, with a net interest margin of 2.90%. The bank's CET1 capital ratio is 11.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.36% and a Texas Ratio of 3.28%. FDIC Certificate #35295.

Assets

$4.4B

Deposits

$3.7B

Loans

$3.9B

Equity

$387M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 10.75%
Net Interest Margin (NIM) 2.90%
Yield on Assets 5.41%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.36%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.28%
NPA Ratio 0.32%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 11.61%
Tier 1 Capital 11.61%
Total Capital Ratio 12.85%
Leverage Ratio 9.06%
Loan-to-Deposit 103.39%

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