Southern First Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southern First Bank of Greenville, SC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.46% | -0.47% | 29th below |
| ROAE | 11.54% | 12.72% | -1.18% | 45th below |
| Net Interest Margin | 2.91% | 3.85% | -0.94% | 12th bottom |
| Efficiency Ratio | 56.02% | 57.41% | -1.39% | 58th above |
| PPNR / Avg Assets | 1.36% | 1.88% | -0.52% | 30th below |
| Yield on Earning Assets | 5.15% | 5.72% | -0.57% | 27th below |
| Cost of Funds | 2.40% | 2.02% | +0.38% | 25th below |
| Net Interest Spread | 2.14% | 3.18% | -1.04% | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 1.00% | -0.66% | 70th above |
| NPA / Total Assets | 0.32% | 0.76% | -0.44% | 63rd above |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans | 1.09% | 1.31% | -0.22% | 42nd below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 324.09% | 543.76% | -219.67% | 72nd above |
| Texas Ratio | 3.32% | 7.40% | -4.08% | 62nd above |
| Provision / NCO | 1418.92% | 616.88% | +802.04% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.61% | 17.35% | -5.74% | 18th bottom |
| Tier 1 Ratio | 11.61% | 17.38% | -5.77% | 17th bottom |
| Total Capital Ratio | 12.84% | 18.43% | -5.59% | 19th bottom |
| Leverage Ratio | 8.89% | 11.44% | -2.55% | 9th bottom |
| Equity / Assets | 8.68% | 11.34% | -2.66% | 16th bottom |
| TCE / Tangible Assets | 8.68% | 10.50% | -1.82% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.92% | 86.93% | +13.99% | 15th bottom |
| Core Deposit Ratio | 84.35% | 85.56% | -1.21% | 32nd below |
| Uninsured Deposit Ratio | 45.94% | 33.10% | +12.84% | 15th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.10% | 5.71% | -0.61% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.12% | 9.68% | -0.56% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.51% | 8.06% | -0.55% | 62nd above |
| Deposit Growth (Y/Y) | 9.53% | 7.87% | +1.66% | 73rd above |
See Southern First Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southern First Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southern First Bank profile, how to read a UBPR, or how this data updates.