Southern First Bank (FDIC #35295): Bank Stress & Real-Estate Credit Exposure
Southern First Bank (FDIC Cert #35295): bank stress 76/100, severe, STABLE over 7 days; parent SOUTHERN FIRST BANCSHARES INC (SFST).
Southern First Bank (#35295) lends in 8 counties across 3 states; Southern First Bank (#35295) reaches 250 ZIP codes: South Carolina 4 counties, 89 ZIPs; North Carolina 3 counties, 113 ZIPs; Georgia 1 county, 48 ZIPs.
Southern First Bank (#35295) largest markets: Fulton County, GA (48 branches, 48 ZIPs) (#35295), Wake County, NC (41 branches, 41 ZIPs) (#35295), Mecklenburg County, NC (37 branches, 37 ZIPs) (#35295), Guilford County, NC (35 branches, 35 ZIPs) (#35295), Charleston County, SC (62 branches, 31 ZIPs) (#35295), Greenville County, SC (108 branches, 27 ZIPs) (#35295).
Southern First Bank (#35295) reports $4.70 billion in total assets; Southern First Bank (#35295) equity $408.5 million (8.7% of Southern First Bank (#35295) assets); Southern First Bank (#35295) domestic deposits $4.00 billion; Southern First Bank (#35295) net income $21.9 million; Southern First Bank (#35295) return on assets 0.96%; Southern First Bank (#35295) return on equity 11.01%; Southern First Bank (#35295) net interest income $63.6 million; Southern First Bank (#35295) call report June 30, 2026.
Southern First Bank (#35295) noncurrent real-estate loans: none reported; Southern First Bank (#35295) net charge-offs on real estate 0.28%; Southern First Bank (#35295) residential charge-offs 0.28%.
Southern First Bank (#35295) net interest margin 2.93% against an eight-quarter Southern First Bank (#35295) average of 2.52% (Southern First Bank (#35295) compression -0.42 points); Southern First Bank (#35295) non-residential real estate 27.7% of equity; Southern First Bank (#35295) rate-exposure score 40/100, Southern First Bank (#35295) fixed-rate trap 40/100; Southern First Bank (#35295) risk type credit driven; Southern First Bank (#35295) rate regime rates elevated; Southern First Bank (#35295) shares 7.4% below the 52-week high, Southern First Bank (#35295) equity trend weakening, Southern First Bank (#35295) snapshot October 19, 2026.
Southern First Bank (#35295) stress score moved from 75.4 on June 22, 2026 to 76 on October 20, 2026; Southern First Bank (#35295) ranged 75.4 to 76 over 117 snapshots.
Southern First Bank (#35295) alerts: 8 counties; top Southern First Bank (#35295) alert scores: Atlanta County, SC 25 (low); Cayce County, SC 25 (low); Charlotte County, SC 25 (low); Greensboro County, SC 25 (low); Greer County, SC 25 (low).