Southern First Bank
Greenville, SC
IDRSSD: 2849801
Total Assets
$4.36B
Latest filing
Total Deposits
$3.70B
Latest filing
Net Interest Margin
2.73%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Southern First Bank
6 Verdae Blvd
Greenville, SC 29607
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/10/2000FDIC Certificate 77685
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Southern First Bank (Main) | 6 Verdae Blvd | Greenville, SC |
| PARKWAY BRANCH | 307 The Pkwy | Greer, SC |
| AUGUSTA ROAD BRANCH | 2125 Augusta St | Greenville, SC |
| WOODRUFF BRANCH | 1900 Woodruff Rd | Greenville, SC |
| KNOX ABBOTT BR | 190 Knox Abbott Dr | Cayce, SC |
| CALHOUN BRANCH | 80 Calhoun St | Charleston, SC |
| MOUNT PLEASANT BRANCH | 691 Johnnie Dodds Blvd | Mount Pleasant, SC |
| RALEIGH BRANCH | 5444 Wade Park Blvd | Raleigh, NC |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/10/2000 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 29607 |
| State and County Number | 45045 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Greenville-Anderson, SC |
Operational Info
| Number of Employees | 303 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/10/2000 |
| Primary Insurance Agency | DIF |
| Website | http://www.southernfirst.com |
| Data Updated | 11/14/2025 |
| CERT | 35295 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.36B |
| Total Deposits | $3.70B |
| Total Liabilities | $3.99B |
| Total Equity Capital | $376.24M |
| Net Income | $9.08M |
| Net Loans and Leases | $3.76B |
| Assets Per Employee ($Millions) | $14.44M |
| Bank Premises and Fixed Assets | $84.57M |
| Cash and Balances due from Depository Institutions | $262.35M |
| Deposits Held in Domestic Offices | $3.70B |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 9.79% |
| Net Interest Margin | 2.73% |
| Efficiency Ratio | 60.73% |
| Tier 1 Risk-Based Capital Ratio | 11.47% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.626% |
| Earning Assets to total Assets | 94.96% |
Income and Expense
| Total Interest Income | $55.08M |
| Total Noninterest Income | $3.41M |
| Total Interest Expense | $27.00M |
| Total Noninterest Expense | $19.12M |
| Net Interest Income | $28.08M |
| Pre-tax Net Operating Income | $11.87M |
| Provision for Credit Losses | $500.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $275.00k |
| Other borrowed funds | $262.10M |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $27.97M |
| Total Liabilities and Capital | $4.36B |
Securities
| Securities | $131.04M |
| Available-for-sale debt securities | $131.04M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern First Bank?
$4.36B as of the latest filing.
How much are Southern First Bank's total deposits?
$3.70B in total deposits.
Where is Southern First Bank located?
Greenville, SC.
What is the Net Interest Margin?
2.73%.
How many domestic offices does it operate?
12.
When was it established?
01/10/2000.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$3.76B (latest filing).
What is the total interest income (latest filing)?
$55.08M.