Southern First Bancshares, Inc. filings document the regulatory record of a registered bank holding company and its Southern First Bank subsidiary. The company’s Form 8-K reports cover operating results, earnings releases, Regulation FD investor presentations, capital-structure disclosures and material-event reporting related to its Nasdaq-listed common stock.
SEC filings for SFST also include definitive proxy materials covering shareholder voting and governance, as well as current reports on material agreements, credit arrangements, bylaws amendments and public offering disclosures. These filings describe the company’s bank holding company structure, capital actions, governance framework, financing arrangements and recurring financial reporting for its banking operations.
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.
Southern First Bancshares Chief Executive Officer and director R. Arthur Seaver Jr reported equity compensation changes in the company’s common stock. On February 1, 2026, he received a grant of 6,500 restricted stock units, awarded at $0 per share, which vest in equal installments over four years.
On the same date, 1,657 shares of common stock valued at $54.94 per share were withheld to cover tax obligations arising from vesting of restricted stock units and awards. After these transactions, Seaver directly beneficially owned 112,497 shares of Southern First Bancshares common stock.
Southern First Bancshares President Calvin C. Hurst reported equity compensation and related tax withholding transactions in company stock. On 02/01/2026, he received 4,500 shares of common stock as a grant of restricted stock units at a stated price of $0, which vest equally over four years. On the same date, 1,109 shares of common stock were withheld at $54.94 per share to satisfy tax withholding obligations tied to vesting of restricted stock units and awards. After these transactions, he directly beneficially owned 18,383 shares of Southern First Bancshares common stock.
Southern First Bancshares Chief Accounting Officer Julie A. Fairchild reported routine equity compensation activity in company stock. She received an award of 875 shares of common stock in the form of restricted stock units that will vest in equal installments over four years. On the same date, 135 shares of common stock were withheld at a price of $54.94 per share to cover tax withholding obligations related to the vesting of restricted stock awards. After these transactions, she directly owned 6,700 shares of Southern First Bancshares common stock.