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Southern First Bank
Greenville, SC·FDIC Cert #35295·Charter: STATE·Est. 20000110.0·HC: SOUTHERN FIRST BANCSHARES INC
Total Assets
$4.4B
Q4 2025
Return on Assets
0.75%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.87%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.75%+0.07
ROE
8.71%+0.71
Efficiency
62.87%-2.46
Equity/Assets
0.00%+0.00
NPL Ratio
0.36%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
102.25%+0.61
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.3 | 0.3 | 0.4 | 0.4 | 0.5 | 0.6 | 0.7 | 0.7 |
| ROE | 3.5 | 3.8 | 4.4 | 5.0 | 6.4 | 7.1 | 8.0 | 8.7 |
| Efficiency | 81.7 | 79.5 | 77.6 | 76.0 | 69.7 | 67.9 | 65.3 | 62.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 103.9 | 103.4 | 101.5 | 104.2 | 100.3 | 101.7 | 101.6 | 102.3 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.7B
Total Loans$3.8B
Total Equity$387.5M
Profitability
ROA0.75%
ROE8.71%
Efficiency Ratio62.87%
Net Income$32.1M
Risk & Asset Quality
NPL Ratio0.36%
Charge-off Rate0.00%
Loan/Deposit102.25%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans