C
Southern First Bank
Rating Date
August 2026
Risk Based
Capital Ratio
12.84
Leverage
Ratio
8.89
Return On
Assets
0.96%
Total
Assets
4.70B
Capital
408.45M
Total
Deposits
4.00B
Net
Income
21.90M
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Weiss Ratings Southern First Bank
Greenville, SC 		Click to
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Rating C
Asset Quality Index 7.80
Capitalization Index 6.90
Liquidity Index 0.90
Profitability Index 4.20
Stability Index 7.20
Company Info Southern First Bank
Greenville, SC 		Click to
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FDIC Number 35295
Phone Number (864) 679-9000
Website www.southernfirst.com
Asset Quality Southern First Bank
Greenville, SC 		Click to
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1-Year Asset Growth 9.12%
5-Year Asset Growth 15.51%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.32%
Non-Performing Loans to Capital 2.69%
Non-Performing Loans to Loans 0.34%
Balance Sheet Southern First Bank
Greenville, SC 		Click to
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Total Assets 4.70B
Total Deposits 4.00B
Capital and Reserves Southern First Bank
Greenville, SC 		Click to
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Capital 408.45M
Leverage Ratio 8.89
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 12.84
Liquidity Southern First Bank
Greenville, SC 		Click to
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Hot Money Ratio 9.34%
Liquidity Ratio 11.89%
Profitability Southern First Bank
Greenville, SC 		Click to
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5-Year Return on Average Assets 0.86%
Net Income 21.90M
Net Interest Spread 2.90%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 57.36%
Return on Assets 0.96%
Return on Equity 11.01%