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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

Southern First Bank

Greenville, South Carolina · $4.70B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

8.7%
Equity / assets
11th of 12
0.28%
NPA / loans
2nd of 12
0.93%
ROA
11th of 12

Southern First Bank is the fourth largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $4.70B in assets at 30 June 2026. Loans are 100.9% of deposits, 9th of 12 against a median of 92.1%, and equity is 8.7% of assets, 11th of 12. Loans grew +7.5% in the year, 5th of 12, and deposits grew 9.5%; the cohort's median loan growth is +6.0%.

Noncurrent loans are 0.28% of the book, 2nd of 12 against a median of 0.47%; 0.10% is 30 to 89 days past due, and the allowance covers them 4.0 times. Commercial real estate is 27.0% of loans, 6th of 12 against a median of 28.8%, and 236% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 0.93%, 11th of 12 against a median of 1.43%, on an efficiency ratio of 57.4%, 6th of 12. Five years ago it was 1.66%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 0.47% SB Southern Bank & Trust Co. 0.12% SF Southern First Bank 0.28% FB First Bank & Trust Co. 0.28% CC Capital City Bank 0.40% FB Fidelity Bank 0.42% MC Metro City Bank 0.44% VB Vallant Bank 0.51% CB Carter Bank & Trust 1.01% HB Hometrust Bank 1.40% PB Primis Bank 1.83% FF First Federal Bank 2.96% EB Emigrant Bank 4.77%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.0% VB Vallant Bank +84.1% MC Metro City Bank +26.6% PB Primis Bank +13.6% SB Southern Bank & Trust Co. +8.4% SF Southern First Bank +7.5% FB First Bank & Trust Co. +6.1% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% CB Carter Bank & Trust -0.3% HB Hometrust Bank -2.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Southern First BankRankCohort median
Total CRE against capital, the 300% screen236%9th of 12197%
Construction against capital, the 100% screen51%6th of 1251%
Construction and land development, share of loans5.8%6th of 127.7%
Non-owner-occupied nonfarm nonresidential, share of loans19.0%8th of 1217.4%
Total CRE, the guidance definition, share of loans27.0%6th of 1228.8%
CRE growth over 36 months, the third prong+4.9%7th of 12+4.5%
Commercial real estate against capital, the 300% screenSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 197% FF First Federal Bank 49% EB Emigrant Bank 100% CC Capital City Bank 122% MC Metro City Bank 148% SB Southern Bank & Trust Co. 158% PB Primis Bank 188% FB Fidelity Bank 206% HB Hometrust Bank 235% SF Southern First Bank 236% FB First Bank & Trust Co. 240% VB Vallant Bank 264% CB Carter Bank & Trust 395%
CRE growth over 36 months, the guidance's third prongSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +4.5% CC Capital City Bank -23.7% EB Emigrant Bank -21.9% PB Primis Bank -10.0% HB Hometrust Bank -4.3% SB Southern Bank & Trust Co. -2.0% FF First Federal Bank +4.0% SF Southern First Bank +4.9% CB Carter Bank & Trust +14.3% FB First Bank & Trust Co. +21.7% FB Fidelity Bank +24.1% VB Vallant Bank +127.5% MC Metro City Bank +662.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
Southern Bank & Trust Co.$5.30B1.3%52.6%0.12%0.00%1.0%74.7%8.2%
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Southern First BankCohort median
20212026Change20212026Change
Loans$2.29B$4.04B+76%$2.19B$3.67B+67%
Deposits$2.33B$4.00B+72%$2.88B$3.82B+33%
NPA / loans0.30%0.28%-0.02 pts0.33%0.47%+0.14 pts
Efficiency52.9%57.4%+4.4 pts61.7%58.7%-3.0 pts
ROA1.66%0.93%-0.73 pts1.31%1.43%+0.12 pts

This read was prepared for Southern First Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Southern First Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.southernfirst.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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