<p>Southern First Bancshares Inc. reported its financial results for the fourth quarter (Q4) and full year (FY) ended December 31, 2025. For Q4 2025, diluted earnings per common share were USD 1.21. Total revenue for Q4 was USD 31.8 million. The net interest margin for the quarter was 2.72 percentage points. Total loans as of December 31, 2025, were USD 3.8 billion, while total deposits reached USD 3.7 billion. Core deposits stood at USD 2.9 billion. The return on average assets for Q4 2025 was 0.90 percentage points, and the return on average equity was 10.77 percentage points. The efficiency ratio for the quarter was 57.85 percentage points. For the full year 2025, total interest income was USD 211.5 million. Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Southern First Bancshares Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001206774-26-000043), on January 22, 2026, and is solely responsible for the information contained therein. © Copyright 2026 - Public Technologies (PUBT) Original Document: here</p>

Southern First Bancshares Q4 diluted EPS rises 73% to USD 1.21