Southern First Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Greenville, Southern First Bank serves the South Carolina market as a community-focused commercial bank. On its most recent Q2 2026 call report, Southern First reported $4.7B in total assets against $4.0B in deposits. Earnings are mid-range, 0.99% ROA and a 2.91% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.61% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.34% NPLs and a 3.32% Texas Ratio. Southern First operates a 12-branch network.
As of June 30, 2026, Southern First Bank reported a CET1 capital ratio of 11.61%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.34%, a Texas ratio of 3.32%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 6 Verdae Blvd, Greenville, SC 29607
- County
- Greenville
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 10, 2000
- Former names
- Southern First Bank, National Association (2007-2013)
- Offices
- 12 domestic
- Employees (FTE)
- 324
- Domestic deposits
- $4.00B
- Allowance for credit losses
- $44.2M
- Net charge-offs (YTD)
- $148K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 10, 2000
- FDIC Cert
- 35295
- Fed RSSD
- 2849801
- SEC CIK
- 1090009 → filed by SOUTHERN FIRST BANCSHARES, INC.
- Website
- http://www.southernfirst.com →
- Parent Holding Company
- SOUTHERN FIRST BANCSHARES, INC. (RSSD 2849799) · SFST
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Seaver R Arthur Jr | CEO | Chief Executive Officer |
| Zych Christian J | CFO | Chief Financial Officer |
| Hurst Calvin C | PRES | President |
| Wilbanks Wesley Clark | CCO | Chief Credit Officer |
| Aiken William M. Iii | CRO | Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Southern First Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Southern First Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Southern First Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Southern First Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.61% | 0.99% | 0.34% | 3.32% | 2.91% |
| Q1 2026 | 11.56% | 0.93% | 0.33% | 3.10% | 2.89% |
| Q4 2025 | 11.61% | 0.94% | 0.54% | 4.88% | 2.79% |
| Q3 2025 | 11.47% | 0.84% | 0.30% | 2.81% | 2.73% |
| Q2 2025 | 11.33% | 0.67% | 0.30% | 2.92% | 2.55% |
| Q1 2025 | 11.38% | 0.55% | 0.29% | 2.76% | 2.43% |
| Q4 2024 | 11.41% | 0.58% | 0.30% | 2.78% | 2.31% |
| Q3 2024 | 11.25% | 0.47% | 0.32% | 2.99% | 2.15% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern First Bank (main office) | Greenville , SC | 29607 | $1.20B |
| Calhoun Branch | Charleston , SC | 29401 | $577.6M |
| Paces Ferry | Atlanta , GA | 30305 | $572.7M |
| Knox Abbott Br | Cayce , SC | 29033 | $348.8M |
| Raleigh Branch | Raleigh , NC | 27607 | $275.3M |
| Augusta Road Branch | Greenville , SC | 29605 | $220.2M |
| Mount Pleasant Branch | Mount Pleasant , SC | 29464 | $183.1M |
| Parkway Branch | Greer , SC | 29650 | $162.1M |
| Greensboro | Greensboro , NC | 27401 | $148.8M |
| Woodruff Branch | Greenville , SC | 29607 | $140.8M |
| Colony Road Branch | Charlotte , NC | 28211 | $95.1M |
| Summerville Branch | Summerville , SC | 29486 | $81.6M |
Regulatory record
What the public regulatory sources show for Southern First Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- June 8, 2010, OCC: Formal Agreement: Southern First Bank, National Association
- Period: Most recent institution action June 8, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.2% of deposits in SC, rank 9 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,614 applications, 1,341 loans originated, $561.3M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Southern First Bank
What are Southern First Bank's total assets?
As of the Q2 2026 filing, Southern First Bank reported total assets of $4.70 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Southern First Bank headquartered?
Southern First Bank is headquartered in Greenville, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Southern First Bank founded?
Southern First Bank was established in 2000, per the FDIC institution directory.
Is Southern First Bank FDIC-insured?
Yes. Southern First Bank is an FDIC-insured commercial bank (FDIC Certificate #35295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Southern First Bank?
Southern First Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Southern First Bank's CET1 capital ratio?
Southern First Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.61% in its Q2 2026 call report, above regulatory requirements.
How many branches does Southern First Bank operate?
Southern First Bank operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Southern First Bank's Texas Ratio?
Southern First Bank's Texas Ratio is 3.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Southern First Bank previously called?
The charter now named Southern First Bank has also operated as Southern First Bank, National Association (2007-2013), per FDIC structure-change records.
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