Southern First Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 6.4% to -$8.4M. Southern First Bank ranks 27th of 30 South Carolina banks on CET1 ratio, in the lower half at 11.61% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Southern First Bank sits 1.87 points lower, at 11.61% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 8.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $416.8M |
| Tier 1 capital | $416.8M |
| Total risk-based capital | $461.1M |
| Total equity capital | $408.5M |
| Risk-weighted assets | $3.59B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.68% |
| Tangible equity to tangible assets | 8.68% |
| Equity capital to average assets | 8.71% |
| Internal capital growth rate | 11.70% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $100.9M |
| Retained earnings | $311.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$8.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.01% | 11.01% | 12.27% | 8.51% | $3.14B |
| Q4 2023 | 11.03% | 11.03% | 12.28% | 8.47% | $3.18B |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 8.77% | $3.20B |
| Q2 2024 | 11.22% | 11.22% | 12.47% | 8.59% | $3.18B |
| Q3 2024 | 11.25% | 11.25% | 12.50% | 8.70% | $3.17B |
| Q4 2024 | 11.41% | 11.41% | 12.66% | 8.75% | $3.18B |
| Q1 2025 | 11.38% | 11.38% | 12.63% | 8.98% | $3.24B |
| Q2 2025 | 11.33% | 11.33% | 12.58% | 8.90% | $3.31B |
| Q3 2025 | 11.47% | 11.47% | 12.72% | 8.88% | $3.35B |
| Q4 2025 | 11.61% | 11.61% | 12.85% | 9.06% | $3.40B |
| Q1 2026 | 11.56% | 11.56% | 12.80% | 9.16% | $3.50B |
| Q2 2026 | 11.61% | 11.61% | 12.84% | 8.89% | $3.59B |
Southern First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern First Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southern First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35295) · FFIEC NIC profile (RSSD 2849801)