Southern First Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.6B | $3.9B | $3.9B | $397M | $10M | 0.91% | 10.48% | 2.88% | 0.29% |
| Q4 2025 | $4.4B | $3.7B | $3.8B | $387M | $10M | 0.75% | 8.71% | 2.63% | 0.36% |
| Q3 2025 | $4.4B | $3.7B | $3.8B | $376M | $9M | 0.68% | 8.00% | 2.57% | 0.30% |
| Q2 2025 | $4.3B | $3.7B | $3.7B | $366M | $7M | 0.60% | 7.09% | 2.48% | 0.31% |
| Q1 2025 | $4.3B | $3.6B | $3.7B | $359M | $6M | 0.54% | 6.40% | 2.41% | 0.29% |
| Q4 2024 | $4.1B | $3.5B | $3.6B | $351M | $6M | 0.42% | 5.05% | 2.15% | 0.30% |
| Q3 2024 | $4.2B | $3.5B | $3.6B | $348M | $5M | 0.37% | 4.41% | 2.07% | 0.32% |
| Q2 2024 | $4.1B | $3.5B | $3.6B | $345M | $3M | 0.32% | 3.80% | 2.03% | 0.31% |
| Q1 2024 | $4.1B | $3.5B | $3.6B | $342M | $3M | 0.29% | 3.53% | 1.99% | 0.10% |
| Q4 2023 | $4.1B | $3.4B | $3.6B | $339M | $5M | 0.39% | 4.67% | 2.15% | 0.11% |
| Q3 2023 | $4.0B | $3.4B | $3.5B | $331M | $5M | 0.36% | 4.38% | 2.18% | 0.12% |
| Q2 2023 | $4.0B | $3.5B | $3.5B | $329M | $3M | 0.31% | 3.77% | 2.21% | 0.08% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.