SOUTHERN FIRST BANCSHARES INC is the parent banking group. SOUTHERN FIRST BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

SOUTHERN FIRST BANCSHARES INC

Legal name: SOUTHERN FIRST BANCSHARES, INC.

1 active bank · $4.6B combined assets

RSSD ID: 2849799 (FFIEC NIC)

Combined Assets

$4.6B

CRA Rating Summary

Satisfactory1charter

Across all 4 exams on record for this banking group's charters, 75% resulted in Outstanding or Satisfactory.

Primary bankSOUTHERN FIRST BANKGREENVILLE, SCSatisfactory$4.6BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$4.6B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$3.9B

Net Income

$10M

ROA (avg)

0.91%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

1,655

Origination Rate

67.61%

Denial Rate

17.34%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTHERN FIRST BANK	GREENVILLE, SC	FDIC	$4.6B	100.0%	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.