Every 10-Q that Southern First Bancshares, Inc. (SFST) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow SFST and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SFST filings page.
Southern First Bancshares, Inc. reported stronger profitability for the quarter ended June 30, 2026. Net income for the quarter was $11,195 thousand, up from $6,581 thousand a year earlier, with diluted earnings per share of $1.20 versus $0.81. For the first six months of 2026, net income was $21,082 thousand, compared with $11,847 thousand for the same period of 2025.
Total assets reached $4,700,171 thousand at June 30, 2026, and loans were $4,030,255 thousand, while deposits were $3,935,452 thousand. The allowance for credit losses was $44,232 thousand, or 1.10% of gross loans. Nonperforming assets were $12,561 thousand, representing 0.31% of gross loans and 0.27% of total assets, and capital ratios were above all regulatory requirements. Financing activities included repayment of $11,500 thousand of subordinated debentures and proceeds of $61,275 thousand from issuance of common stock, contributing to total shareholders’ equity of $452,268 thousand at June 30, 2026.
Southern First Bancshares, Inc. reported stronger quarterly results for the three months ended March 31, 2026. Net income rose to $9.9 million from $5.3 million a year earlier, and diluted earnings per share increased to $1.19 from $0.65, mainly driven by higher net interest income.
Total assets reached $4.58 billion, up from $4.40 billion at December 31, 2025, as loans grew to $3.94 billion and deposits to $3.87 billion. Credit quality metrics remained solid, with nonperforming assets at $11.9 million, or 0.30% of gross loans, and the allowance for credit losses at $43.4 million.
After quarter-end, the company completed an underwritten public offering of 1,207,500 common shares at $54.00 per share, generating gross proceeds of about $65.2 million to support general corporate and growth purposes.
Southern First Bancshares (SFST) reported stronger Q3 results. Net income rose to $8.662 million from $4.382 million a year ago, and diluted EPS improved to $1.07 from $0.54. Net interest income increased to $27.529 million versus $20.591 million, reflecting higher loan yields and lower interest expense. The provision for credit losses was $0.850 million. Noninterest income was $3.600 million and noninterest expenses were $18.946 million.
Total assets grew to $4.359 billion from $4.088 billion at year-end. Loans reached $3.789 billion (up from $3.632 billion), while deposits increased to $3.676 billion (from $3.436 billion). Cash and equivalents rose to $282.903 million. The allowance for credit losses stood at $41.799 million. Accumulated other comprehensive loss narrowed to $8.426 million, aided by unrealized gains on securities. As context, 8,189,177 common shares were outstanding as of October 27, 2025.
Southern First Bancshares (SFST) posted a strong rebound in Q2 2025. Net income jumped to $6.6 m (EPS $0.81) versus $3.0 m (EPS $0.37) a year ago, driven by a 30% YoY rise in net interest income to $25.3 m and a 13% drop in total interest expense. For the first six months, net income more than doubled to $11.8 m (EPS $1.46).
Total assets expanded 5.4% since year-end to $4.31 bn; loan balances increased 3.2% to $3.75 bn while deposits grew 5.8% to $3.64 bn, keeping the loan-to-deposit ratio near 103%. The allowance for credit losses edged up to $41.3 m (≈1.1% of loans) after a $0.7 m quarterly provisioning.
Non-interest income slipped 5% YoY, mainly from softer mortgage banking fees, and operating costs rose 4%, but efficiency improved as revenue growth outpaced expenses. Unrealized losses on the AFS portfolio narrowed to $9.6 m, boosting other comprehensive income by $0.4 m in the quarter.
Capital remained solid: shareholders’ equity increased to $345 m, and management reports all regulatory ratios exceed well-capitalized thresholds. Liquidity strengthened with cash & equivalents up 66% to $271 m; the $15 m parent LOC is undrawn.