🏦Bank Scorer

SOUTHERN FIRST BANK

GREENVILLE, SC · Supervised by FDIC

Est. 2000FDIC #35,295RSSD: FDIC-35295
Part ofSOUTHERN FIRST BANCSHARES INC→ View all charters
Satisfactory Up

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.91%

Institution Profile

FDIC BankFind

Address

6 Verdae Blvd, GREENVILLE, SC

County

Greenville County

Established

January 10, 2000

Total Assets

$4.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.6B

Total Deposits

$3.9B

Net Loans

$3.9B

Net Income

$10M

ROA

0.91%

ROE

10.48%

Risk-Based Capital

12.80%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate17.34%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$3.7B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,65567.61%17.34%
20231,51675.33%8.77%
20222,31686.7%1.68%
20213,11188.33%1.09%
20203,59288.92%0.78%
20192,54192.56%1.06%
20181,28689.27%0.86%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2015

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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