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Southern First Bank
Greenville, SC · FDIC Certificate #35295 · Chartered 01/1
Total assets
$4.70B
Total deposits
$4.00B
Total equity
$408.45M
Net loans
$4.00B
Branches (offices)
12
Net income (YTD)
$21.90M
Rank: #298 of 4,213 U.S. banks by assets · #2 of 43 in South Carolina. Assets changed 9.1% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 11.01% |
| Net interest margin (YTD) | 2.93% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 8.89% |
| Uninsured deposits (share of deposits) | 45.9% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 99.8% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.56B | 89.1% | |
| Commercial & industrial | $426.15M | 10.7% | |
| Consumer / individual | $51.33M | 1.3% | |
| Construction & development | $234.15M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.29B | $2.89B | $15.92M | $305.23M |
| Jun 2023 | $4.00B | $3.45B | $6.11M | $328.50M |
| Jun 2024 | $4.11B | $3.48B | $6.49M | $345.08M |
| Jun 2025 | $4.31B | $3.66B | $12.71M | $365.97M |
| Jun 2026 | $4.70B | $4.00B | $21.90M | $408.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $2.91B | 8 |
| Georgia | $572.74M | 1 |
| North Carolina | $519.13M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.00B.
Similar-sized banks
Town Bank, National Association ($4.71B) · Erebor Bank, N.A. ($4.66B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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