Southern First Bank
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Data as of · sourced from FFIEC call reports. How we update
Southern First Bank is an FDIC-insured commercial bank headquartered in Greenville, SC, established in 2000 (FDIC certificate 35295), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.70B, up 9.1% from Q2 2025, the 2nd largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 11.61% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35295
- Headquarters
- Greenville, SC
- Established
- 2000
- Total assets, Q2 2026
- $4.70B
- Assets vs Q2 2025
- +9.1%
- CET1 ratio, Q2 2026
- 11.61%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 053208011
- Holding company
- SOUTHERN FIRST BANCSHARES, INC.
- Asset rank in state
- 2nd of 43 in South Carolina
Southern First Bank operates with a thinner capital cushion than most banks of its size. It reported $4.7 billion in assets at June 30, 2026, up 9.1% from a year earlier. It funds 8.89% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $12 million, 65% above the same quarter a year earlier. Its $770 million non-owner-occupied commercial real estate book is improving, with 0.23% past due or on nonaccrual, down from 0.97% a year earlier. Funding is the softer spot: it holds about half of its deposits (46%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Southern First Bank reported a CET1 capital ratio of 11.61%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.77%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Southern First Bank is the 2nd largest of the 43 banks headquartered in South Carolina. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $4.70B, loans rose 2.1% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.3% of total loans, followed by non-owner-occupied commercial real estate loans at 19.0%. Its 12 offices in the FDIC Summary of Deposits are in 10 cities across 3 states; its Greenville 3 offices book 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Southern First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6 Verdae Blvd, Greenville, SC 29607
- County
- Greenville
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 10, 2000
- Former names
- Southern First Bank, National Association (2007-2013)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 324
- Domestic deposits
- $4.00B
- Allowance for credit losses
- $44.2M
- Net charge-offs (YTD)
- $148K
- Average total assets
- $4.69B
- Average total loans
- $3.98B
- Average interest-bearing deposits
- $3.18B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 10, 2000
- FDIC Cert
- 35295
- Fed RSSD
- 2849801
- SEC CIK
- 1090009 → filed by SOUTHERN FIRST BANCSHARES, INC.
- Website
- http://www.southernfirst.com →
- Parent Holding Company
- SOUTHERN FIRST BANCSHARES, INC. (RSSD 2849799) · SFST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Seaver R Arthur Jr | CEO | Chief Executive Officer |
| Calvin C Hurst | PRES | President |
| Christian J Zych | CFO | Chief Financial Officer |
| Wilbanks Wesley Clark | CCO | Chief Credit Officer |
| William M. Aiken Iii | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Southern First Bank's total assets ran between $4.02B (Q3 2023) and $4.70B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.70B total assets against $4.31B; $4.29B total liabilities against $3.94B.
$4.00B net loans and leases against $3.72B; $4.00B total deposits against $3.66B.
$144.4M securities against $128.9M; $366.4M cash and balances due against $274.5M.
$58.2M total interest income against $52.4M; $25.4M total interest expense against $26.6M.
$32.8M net interest income against $25.8M.
$3.5M total noninterest income against $3.3M; $20.4M total noninterest expense against $19.3M.
$950K provision for credit losses against $650K.
$11.6M net income against $7.0M.
0.99% return on assets against 0.67%; 2.91% net interest margin against 2.55%.
11.61% CET1 capital ratio against 11.33%; 8.89% tier 1 leverage ratio against 8.90%.
Inside the full Southern First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Southern First Bank rankings
Its closest position to the top of a national ranking is 292 of 4,196, for total assets; its furthest is 1,827 of 2,134, for CET1 ratio.
Metric pages for Southern First Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 0.99% (Q2 2026) and its net interest margin ran from 2.15% (Q3 2024) to 2.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 0.99% | 0.28% | 2.77% | 2.91% |
| Q1 2026 | 11.56% | 0.93% | 0.29% | 2.71% | 2.89% |
| Q4 2025 | 11.61% | 0.94% | 0.36% | 3.28% | 2.79% |
| Q3 2025 | 11.47% | 0.84% | 0.30% | 2.81% | 2.73% |
| Q2 2025 | 11.33% | 0.67% | 0.31% | 2.92% | 2.55% |
| Q1 2025 | 11.38% | 0.55% | 0.29% | 2.76% | 2.43% |
| Q4 2024 | 11.41% | 0.58% | 0.30% | 2.78% | 2.31% |
| Q3 2024 | 11.25% | 0.47% | 0.32% | 2.99% | 2.15% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern First Bank (main office) | Greenville , SC | 29607 | $1.20B |
| Calhoun Branch | Charleston , SC | 29401 | $577.6M |
| Paces Ferry | Atlanta , GA | 30305 | $572.7M |
| Knox Abbott Br | Cayce , SC | 29033 | $348.8M |
| Raleigh Branch | Raleigh , NC | 27607 | $275.3M |
| Augusta Road Branch | Greenville , SC | 29605 | $220.2M |
| Mount Pleasant Branch | Mount Pleasant , SC | 29464 | $183.1M |
| Parkway Branch | Greer , SC | 29650 | $162.1M |
| Greensboro | Greensboro , NC | 27401 | $148.8M |
| Woodruff Branch | Greenville , SC | 29607 | $140.8M |
| Colony Road Branch | Charlotte , NC | 28211 | $95.1M |
| Summerville Branch | Summerville , SC | 29486 | $81.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- June 8, 2010, OCC: Formal Agreement: Southern First Bank, National Association
- Period: Most recent institution action June 8, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.2% of deposits in SC, rank 9 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,614 applications, 1,341 loans originated, $561.3M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Southern First Bank
What are Southern First Bank's total assets?
As of the Q2 2026 filing, Southern First Bank reported total assets of $4.70 billion in its FFIEC call report.
Where is Southern First Bank headquartered?
It is headquartered in Greenville, SC, United States.
When was Southern First Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Southern First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern First Bank?
Southern First Bank's primary federal regulator is the FDIC.
What is Southern First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does Southern First Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern First Bank's Texas Ratio?
Its Texas Ratio is 2.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Southern First Bank previously called?
The charter now named Southern First Bank has also operated as Southern First Bank, National Association (2007-2013), per FDIC structure-change records.
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