Southern First Bank
Greenville, SC · Cert 35295 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Southern First Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$4.7BAssets
$4.0BLoans
$4.0BDeposits
$408.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 80% of banks $1B-$10B in assets operating regionally (rank 37 of 176).
- Widest gap: net interest margin trails 94% of banks $1B-$10B in assets operating regionally (rank 166 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.93%
Rank 133 of 176
Net Interest Margin
2.71%
Rank 166 of 176
Efficiency Ratio
57.36%
Rank 70 of 176
Equity / Assets
8.68%
Rank 145 of 176
Non-interest income vs. expense
Unfavorable gap of $67.0M · efficiency ratio beats 61% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.93% | 1.26% | 1.54% | Beats 24% | 133 / 176 | |
| Return on Equity | 10.72% | 9.26% | 11.89% | 14.46% | Beats 39% | 107 / 176 | |
| Net Interest Margin | 2.71% | 3.25% | 3.59% | 3.93% | Beats 6% | 166 / 176 | |
| Efficiency Ratio | 57.36% | 52.79% | 59.55% | 67.66% | Beats 61% | 70 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.30% | 0.64% | 1.32% | Beats 79% | 38 / 176 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 80% | 37 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.61% | 11.15% | 12.72% | 14.15% | Beats 32% | 120 / 176 | |
| Total Risk-Based Capital Ratio | 12.84% | 11.81% | 13.63% | 15.33% | Beats 38% | 109 / 176 | |
| Equity / Assets | 8.68% | 9.16% | 10.35% | 11.80% | Beats 18% | 145 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 100.92% | 80.94% | 89.73% | 97.21% | 86th pctl | 25 / 176 | |
| Loans / Assets | 85.94% | 69.25% | 75.12% | 80.82% | 95th pctl | 9 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |