Southern First Bank: Net Interest Margin
Data as of · sourced from FFIEC call reports. How we update
Southern First Bank reported a net interest margin of 2.91% as of Q2 2026, ranking #3,338 of 3,652 U.S. banks (9th percentile). Net Interest Margin (NIM) measures the spread between interest earned on assets and interest paid on liabilities, the core unit economics of a commercial bank.
12-Quarter Trend
National Context
What is the Net Interest Margin?
Net Interest Margin measures net interest income (interest earned minus interest paid) against average earning assets. It is the core spread the bank earns from its primary business, lending deposits at higher rates than they cost.
Most US community banks report NIM between 2.8% and 4.0%. Higher is generally better but reflects either premium lending (higher-yielding loans) or low-cost funding (large core deposit franchise). Falling NIM in a rising-rate environment signals the bank's deposit costs are catching up to its asset yields.
Full definition & formula →Frequently asked questions
What is Southern First Bank's Net Interest Margin?
Southern First Bank's Net Interest Margin was 2.91% as of Q2 2026, ranking #3338 of 3,652 U.S. banks.
What is the Net Interest Margin?
Net Interest Margin measures net interest income (interest earned minus interest paid) against average earning assets. It is the core spread the bank earns from its primary business, lending deposits at higher rates than they cost.
More Southern First Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Southern First Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 35295) · FFIEC NIC profile (RSSD 2849801)