| Metric | Southern First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.5% | +3.7 pts |
| Deposit growth (YoY) | +9.5% | +5.1% | +4.5 pts |
| Loan growth (YoY) | +7.5% | +5.9% | +1.6 pts |
| ROA | 0.96% | 1.26% | -0.3 pts |
| ROE | 11.0% | 12.2% | -1.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.70B | $4.00B | $4.00B | $408.5M | $21.9M | 0.96% | 2.93% | 0.27% |
| Q1 2026 | $4.58B | $3.89B | $3.91B | $397.3M | $10.3M | 0.91% | 2.88% | 0.26% |
| Q4 2025 | $4.41B | $3.73B | $3.82B | $387.5M | $32.1M | 0.75% | 2.63% | 0.32% |
| Q3 2025 | $4.36B | $3.70B | $3.76B | $376.2M | $21.8M | 0.68% | 2.57% | 0.27% |
| Q2 2025 | $4.31B | $3.66B | $3.72B | $366.0M | $12.7M | 0.60% | 2.48% | 0.28% |
| Q1 2025 | $4.29B | $3.65B | $3.66B | $358.5M | $5.7M | 0.54% | 2.41% | 0.26% |
| Q4 2024 | $4.09B | $3.45B | $3.60B | $351.4M | $17.4M | 0.42% | 2.15% | 0.27% |
| Q3 2024 | $4.18B | $3.53B | $3.59B | $347.7M | $11.4M | 0.37% | 2.07% | 0.28% |
Loan mix (Q2 2026): real estate $3.56B · commercial $426.1M · consumer $51.3M · securities $144.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Southern First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.26% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Southern First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Southern First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Southern First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Southern First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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