Welcome to our dedicated page for Southern First SEC filings (Ticker: SFST), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Southern First Bancshares, Inc. (NASDAQ: SFST) SEC filings page provides access to the company’s regulatory disclosures as a public bank holding company. Southern First Bancshares files reports with the U.S. Securities and Exchange Commission in connection with its listing on The Nasdaq Global Market, where its common stock trades under the symbol SFST.
Investors can review current reports on Form 8-K, which the company uses to announce material events such as quarterly earnings releases and related investor presentations. Recent 8-K filings reference press releases detailing financial results for specific periods and slide presentations that summarize net interest income, net interest margin, loan and deposit balances, asset quality ratios, and capital measures.
In addition to 8-Ks, users can expect to find Southern First Bancshares’ annual reports on Form 10-K and quarterly reports on Form 10-Q, which typically include comprehensive financial statements, management’s discussion and analysis, segment information for its Commercial and Retail Banking activities, and detailed credit quality and capital disclosures. These filings provide insight into how the company manages FDIC-insured deposits, commercial, consumer, and mortgage loans, and overall balance sheet risk.
For those monitoring insider activity and governance, the SEC’s EDGAR system also includes Forms 3, 4, and 5 for insider ownership and trading, as well as proxy materials related to director and executive matters. On Stock Titan, AI-powered tools can help summarize lengthy filings, highlight key changes in metrics such as nonperforming assets, allowance for credit losses, and capital ratios, and make it easier to interpret complex banking disclosures without reading every line.
Because Southern First Bancshares regularly uses SEC filings to furnish earnings press releases and presentations, this page is a central resource for understanding the company’s financial condition, results of operations, and regulatory reporting as a publicly traded commercial banking organization.
Southern First Bancshares Inc amendment to a Schedule 13G/A states that The Vanguard Group reports 0 shares beneficially owned of the company’s common stock after an internal realignment. The filing notes the realignment reference January 12, 2026 and is signed on 03/27/2026.
The filing explains certain Vanguard subsidiaries will report disaggregated ownership in reliance on SEC Release No. 34-39538; the disclosure lists no voting or dispositive power and reports ownership of 5% or less.
Southern First Bancshares, Inc. entered into a Modification of Loan with TIB, National Association to amend its existing revolving credit facility of up to $15.0 million. The agreement extends the revolving line of credit’s maturity date to March 5, 2027.
Under the Modification Agreement, the Company agrees to pay the lender a non-usage fee of 0.25%, stated as $37,500 less the interest accrued and paid under the Promissory Note, which will be collected on the maturity date. As of March 10, 2026, there was a zero principal balance outstanding under the Promissory Note.
Southern First Bancshares director William Maner IV bought more company stock. On March 6, 2026, he purchased 400 shares of Common Stock in an open-market transaction at $52.35 per share. Following this purchase, he directly owns 3,585 shares of Southern First Bancshares.
Southern First Bancshares Chief Human Resources Officer Silvia T. King exercised stock options for a total of 2,625 shares of common stock on February 26, 2026, at exercise prices of $32.32 and $39.45 per share. On the same day, she executed an open-market sale of 2,625 common shares at an average price of $60.4938 per share. Following these transactions, she directly held 3,963 shares of common stock and 3,500 stock options.
Southern First Bancshares, Inc. filed its annual report for the year ended December 31, 2025, outlining its operations as a South Carolina-based bank holding company for Southern First Bank. The bank runs 12 retail offices across major markets in South Carolina, North Carolina and Georgia, focused on relationship-based commercial and consumer banking under its ClientFIRST model.
At December 31, 2025, net loans were $3.80 billion, representing 86.4% of total assets, with an average loan size of about $382,000 and the ten largest relationships totaling $288 million, or 7.48% of the portfolio. Offices averaged roughly $263.7 million in deposits, and the efficiency ratio was 64.0% for 2025, reflecting an emphasis on scalable growth and technology-driven delivery.
The company highlights strong demographics in its seven metropolitan markets, including Greenville, Charleston, Columbia, Raleigh, Greensboro, Charlotte and Atlanta, and reports that 40% of deposits in 2025 came through offices, 43% via commercial remote deposit capture and 15% via consumer mobile deposits. As of February 13, 2026, 8,231,198 common shares were outstanding, and non-affiliate equity market value was $292,504,676 as of June 30, 2025. Management reports being well capitalized under Basel III standards and emphasizes disciplined risk management, including tight underwriting, loan review and regulatory capital compliance.
Southern First Bancshares Chief Financial Officer Christian J. Zych reported equity compensation and related tax withholding transactions in company common stock. He received a grant of 3,500 restricted stock units that vest equally over four years, increasing his direct holdings before tax withholding to 5,320 shares.
To satisfy tax obligations upon vesting of restricted stock units, 189 shares of common stock were withheld at a price of $54.94 per share, reducing his direct ownership to 5,131 shares after these transactions.
Southern First Bancshares reported insider equity compensation activity for Chief Human Resources Officer Silvia T. King. She received a grant of 700 shares of common stock as restricted stock units that vest equally over four years, and 296 shares were withheld to cover tax obligations upon vesting. After these transactions, she directly owns 3,963 common shares.
Southern First Bancshares, Inc. has filed a shelf registration to offer up to $125,000,000 of securities. The company may issue, from time to time, debt securities, preferred stock, depositary shares, common stock, purchase contracts, units, warrants and rights in one or more offerings.
The specific terms and pricing of each offering will be detailed in a separate prospectus supplement, and sales may occur through underwriters, dealers, agents or direct placements. Unless otherwise stated in a supplement, net proceeds are expected to be used for general corporate purposes, including debt repayment, working capital, capital expenditures, investments and possible acquisitions.
Southern First Bancshares is a bank holding company for Southern First Bank, serving individuals and small to mid-size businesses across key markets in South Carolina, North Carolina and Georgia. Its common stock trades on The NASDAQ Global Market under the symbol “SFST,” and 8,216,328 shares were outstanding as of January 31, 2026.