Southern First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.03 percentage points lower than in Q1 2026, at 324.09%. Southern First Bank ranks 26th of 44 South Carolina banks on return on assets, in the lower half at 0.99% (Q2 2026). Southern First Bank reported 0.99% on return on assets for Q2 2026, 0.29 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.61% |
| Tier 1 risk-based capital ratio | 11.61% |
| Total risk-based capital ratio | 12.84% |
| Tier 1 leverage ratio | 8.89% |
| Equity capital to assets | 8.68% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.34% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.32% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 324.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.99% |
| Return on equity | 11.54% |
| Net interest margin | 2.91% |
| Efficiency ratio | 56.02% |
| Yield on earning assets | 5.15% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.92% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 9.47% |
| Deposits to assets | 85.16% |
| Securities to assets | 3.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.01% | 11.01% | 12.27% | 8.51% | 0.45% |
| Q4 2023 | 11.03% | 11.03% | 12.28% | 8.47% | 0.45% |
| Q1 2024 | 11.04% | 11.04% | 12.29% | 8.77% | 0.30% |
| Q2 2024 | 11.22% | 11.22% | 12.47% | 8.59% | 0.34% |
| Q3 2024 | 11.25% | 11.25% | 12.50% | 8.70% | 0.47% |
| Q4 2024 | 11.41% | 11.41% | 12.66% | 8.75% | 0.58% |
| Q1 2025 | 11.38% | 11.38% | 12.63% | 8.98% | 0.55% |
| Q2 2025 | 11.33% | 11.33% | 12.58% | 8.90% | 0.67% |
| Q3 2025 | 11.47% | 11.47% | 12.72% | 8.88% | 0.84% |
| Q4 2025 | 11.61% | 11.61% | 12.85% | 9.06% | 0.94% |
| Q1 2026 | 11.56% | 11.56% | 12.80% | 9.16% | 0.93% |
| Q2 2026 | 11.61% | 11.61% | 12.84% | 8.89% | 0.99% |
Southern First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)