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Southern First Bank

IDRSSD: 2849801
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #2849801 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.6% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ 0
65
Sub-score

Liquidity is stable: brokered 15.4%, loans/deposits 101.6%, cash 6.0% of assets.

Cash / Assets
6.02%
Loans / Deposits
101.64%
Brokered %
15.37%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.02%
No watch items at this period.

Capitalization

StableQoQ +1
69
Sub-score

Capital position is stable: Tier 1 RBC 11.47%, CET1 11.47%, leverage 8.88%.

Tier 1 RBC
11.47%
CET1
11.47%
Leverage
8.88%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.31%, Texas Ratio 2.7%, NCO YTD 0.00%.

Adjusted NPL
0.31%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
87
Sub-score

Reserves are strong: ALLL 1.10% of loans, coverage 364.5%, true coverage 364.5%.

ALLL / Loans
1.10%
Coverage
364.5%
True Loss Coverage
364.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 13:50:32 UTC