SOUTHERN FIRST BANCSHARES INC
Southern First Bancshares, Inc. (NASDAQ: SFST) operates as a bank holding company for Southern First Bank, a South Carolina state bank providing comprehensive financial services across the Southeast. The company maintains its website at www.southernfirst.com and serves customers through a network of twelve retail… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What SOUTHERN FIRST BANCSHARES INC does
In the company’s own words
Southern First Bancshares, Inc. (NASDAQ: SFST) operates as a bank holding company for Southern First Bank, a South Carolina state bank providing comprehensive financial services across the Southeast. The company maintains its website at www.southernfirst.com and serves customers through a network of twelve retail banking offices strategically located in high-growth markets including Greenville, Columbia, and Charleston in South Carolina; Charlotte, Raleigh, and Greensboro in North Carolina; and Atlanta, Georgia. The company also operates a loan production office called the Dream Mortgage Center in Columbia, South Carolina, with plans to open an additional retail location in Cary, North Carolina in late 2026.
Southern First Bank's core business encompasses accepting FDIC-insured deposits and providing commercial, consumer, and mortgage lending services to businesses and individuals throughout its operating markets. The bank's loan portfolio totaled approximately $3.80 billion as of December 31, 2025, representing 86.4% of total assets. The portfolio is diversified across commercial owner-occupied real estate (19.2% of total loans), commercial non-owner occupied real estate (24.9%), consumer real estate including mortgages and home equity loans (36.5%), commercial business loans (16.0%), construction loans (2.3%), and other consumer loans (1.1%). The company maintains an average loan size of approximately $382,000 and serves clients with deposit products including checking accounts, savings accounts, money market accounts, and certificates of deposit, complemented by technology-enabled services such as mobile banking, online banking, and cash management solutions.
The company employs 315 full-time equivalent employees and operates under a business model called "ClientFIRST," which emphasizes personalized relationship banking delivered by experienced local bankers. This strategy prioritizes profitable and efficient growth, distinctive client experience, rigorous risk management, and attraction of talented banking professionals. Southern First competes in highly competitive regional markets against larger national institutions and community banks by focusing on superior service, local market knowledge, and technology innovation rather than competing for large corporate accounts. The company's offices average approximately $263.7 million in total deposits, and the organization maintains an efficiency ratio of 64.0% for the year ended December 31, 2025.
Company details
- Sector
- Financials
- Industry
- Commercial Banks
- Headquarters
- GREENVILLE, SC
- Fiscal year end
- December
- CIK
- 1090009
- SIC
- 6021
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns SOUTHERN FIRST BANCSHARES INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · SOUTHERN FIRST BANCSHARES INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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