Headquartered in Greenville, South Carolina, Southern First Bank is a state-chartered bank with $4.7B in total assets and $4.0B in deposits as of Q2 2026. It operates 12 offices across 3 states. Its charter dates back to 2000.
Based on its Q2 2026 filing, Southern First Bank scores 59/100, which we describe as moderate. That is higher than only 19% of 897 banks with $1 billion – $10 billion. Among 44 banks headquartered in South Carolina, it ranks 40th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is funding & liquidity (26/100; 100% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (57 → 59), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 55 |
| Q4 2024 | 55 |
| Q1 2025 | 57 |
| Q2 2025 | 57 |
| Q3 2025 | 58 |
| Q4 2025 | 58 |
| Q1 2026 | 61 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.59% |
| Q3 2024 | 8.70% |
| Q4 2024 | 8.75% |
| Q1 2025 | 8.98% |
| Q2 2025 | 8.90% |
| Q3 2025 | 8.88% |
| Q4 2025 | 9.06% |
| Q1 2026 | 9.16% |
| Q2 2026 | 8.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.28% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $4.7B | 8.89% | 0.28% | 0.96% | 99.8% |
| Q1 2026 | 61 | $4.6B | 9.16% | 0.29% | 0.91% | 100.6% |
| Q4 2025 | 58 | $4.4B | 9.06% | 0.36% | 0.75% | 102.3% |
| Q3 2025 | 58 | $4.4B | 8.88% | 0.30% | 0.68% | 101.6% |
| Q2 2025 | 57 | $4.3B | 8.90% | 0.31% | 0.60% | 101.7% |
| Q1 2025 | 57 | $4.3B | 8.98% | 0.29% | 0.54% | 100.3% |
| Q4 2024 | 55 | $4.1B | 8.75% | 0.30% | 0.42% | 104.2% |
| Q3 2024 | 55 | $4.2B | 8.70% | 0.32% | 0.37% | 101.5% |
| Q2 2024 | 54 | $4.1B | 8.59% | 0.31% | 0.32% | 103.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in South Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Coastal States BankBank Hilton Head Island, SC | 63 out of 100, Moderate | $2.4B | 11.1% | 0.95% | vs |
| First Community BankBank Lexington, SC | 71 out of 100, Strong | $2.4B | 9.3% | 0.05% | vs |
| Anderson Brothers BankBank Mullins, SC | 69 out of 100, Moderate | $2.4B | 9.3% | 0.59% | vs |
| The Conway National BankBank Conway, SC | 79 out of 100, Strong | $2.0B | 10.2% | 0.02% | vs |
| South Atlantic BankBank Myrtle Beach, SC | 70 out of 100, Strong | $2.0B | 9.4% | 0.01% | vs |
| Bank of Travelers RestBank Travelers Rest, SC | 79 out of 100, Strong | $1.6B | 10.3% | 0.12% | vs |
Deposit insurance
Is my money safe at Southern First Bank?
Yes. Southern First Bank is an FDIC-insured institution (FDIC certificate #35295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.9% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.84% (benchmark: 10%).
12 locations
Branches
Southern First Bank lists 12 offices in 10 cities across 3 states. Most locations:
- Greenville, SC (3)
- Atlanta, GA (1)
- Cayce, SC (1)
- Charleston, SC (1)
- Charlotte, NC (1)
- Greensboro, NC (1)
- Greer, SC (1)
- Mount Pleasant, SC (1)
- Raleigh, NC (1)
- Summerville, SC (1)
HMDA 2025
Mortgage lending
In 2025, Southern First Bank reported 1,748 home-loan applications under HMDA (LEI 549300PP6R8WIOP60124): 1,341 originated ($561,345,000 total), 197 denied, and 179 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Southern First Bank
- Former names
- Greenville First Bank, N.A.; Southern First Bank, National Association
- Type
- State-chartered bank
- FDIC certificate #
- 35295
- RSSD ID
- 2849801
- Primary regulator
- FDIC
- Holding company
- Southern First Bancshares Inc
- Established
- January 10, 2000
- Headquarters
- 6 Verdae Blvd, Greenville, SC 29607
- Website
- www.southernfirst.com
- Employees
- 324
Quick answers
Southern First Bank: common questions
Is Southern First Bank FDIC insured?
Yes. Southern First Bank is an FDIC-insured institution (FDIC certificate #35295). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southern First Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southern First Bank ever failed?
There is no failure record for FDIC certificate #35295 in the FDIC failed bank list.
How many branches does Southern First Bank have?
12 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Greenville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| CBL State Savings BankBank Greer, SC | 80 out of 100, Strong | $191.3M | 15.9% | 0.01% | vs |