Southern First Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 37.4% lower than in Q1 2026, at $8.6M. On loan-to-deposit ratio, Southern First Bank ranks 3rd highest among the 44 banks headquartered in South Carolina, at 100.92% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Southern First Bank sits 12.71 points higher, at 100.92% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.04B |
| Net loans and leases | $4.00B |
| Loans held for sale | $8.6M |
| Loans to total assets | 85.94% |
| Loan-to-deposit ratio | 100.92% |
| Net loans to equity capital | 9.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.37% |
| Multifamily (5+ residential) | 2.13% |
| Commercial and industrial | 10.55% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 0.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.33% |
| Construction concentration (Tier 1 capital + allowance) | 50.78% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.34% |
| Interest income on loans | $53.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.56B | $3.37B | 36.94% | 8.91% | 1.38% |
| Q4 2023 | $3.61B | $3.40B | 36.39% | 8.96% | 1.34% |
| Q1 2024 | $3.66B | $3.48B | 35.75% | 9.38% | 1.39% |
| Q2 2024 | $3.64B | $3.48B | 35.91% | 9.58% | 1.18% |
| Q3 2024 | $3.63B | $3.53B | 36.13% | 9.32% | 1.19% |
| Q4 2024 | $3.64B | $3.45B | 36.26% | 9.98% | 1.16% |
| Q1 2025 | $3.70B | $3.65B | 36.88% | 9.65% | 1.04% |
| Q2 2025 | $3.76B | $3.66B | 37.33% | 9.66% | 1.04% |
| Q3 2025 | $3.80B | $3.70B | 37.68% | 9.69% | 1.01% |
| Q4 2025 | $3.86B | $3.73B | 37.48% | 9.85% | 1.06% |
| Q1 2026 | $3.96B | $3.89B | 37.49% | 10.43% | 1.01% |
| Q2 2026 | $4.04B | $4.00B | 37.37% | 10.55% | 1.27% |
Southern First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern First Bank, freeSource: Call Report Schedule RC-C, 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)