Southern First Bancshares Reports Q4 2025 Net Income of $9.9 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: PRnewswire
- Net Income Growth: Southern First Bancshares reported a net income of $9.9 million for Q4 2025, reflecting a $1.2 million increase from Q3 2025, demonstrating strong momentum in loan and deposit growth that solidifies its competitive position in the Southeast market.
- Interest Income Increase: The net interest income for Q4 reached $28.7 million, up $1.2 million from Q3, primarily driven by increased loan interest income and decreased deposit interest expenses, showcasing effective interest rate management strategies.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets represented 0.32% of total assets, up from 0.27% in Q3, yet still indicating robust asset quality management, which enhances investor confidence.
- Improved Capital Ratios: The total risk-based capital ratio stood at 12.89%, a 10 basis point increase from the previous quarter, indicating ongoing improvements in capital management that provide a stronger financial foundation for future business expansion.
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About SFST
Southern First Bancshares, Inc. is a bank holding company. The Company’s primary business is to serve as the holding company for Southern First Bank (the Bank). The Bank is primarily engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation (the FDIC), and providing commercial, consumer and mortgage loans to the general public. The Company, through the Bank, provides a range of financial services to individuals and companies in South Carolina, North Carolina, and Georgia. These services include demand, time, and savings deposits; lending services; automated teller machine (ATM) processing, and mortgage banking services. In addition to deposit and loan services, it offers other bank services such as Internet banking, cash management, safe deposit boxes, direct deposit, automatic drafts, bill payment and mobile banking services. The Bank has approximately eight retail offices.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Southern First Bancshares Reports Q4 2025 Net Income of $9.9 Million
- Net Income Growth: Southern First Bancshares reported a net income of $9.9 million for Q4 2025, reflecting a $1.2 million increase from Q3 2025, demonstrating strong momentum in loan and deposit growth that solidifies its competitive position in the Southeast market.
- Interest Income Increase: The net interest income for Q4 reached $28.7 million, up $1.2 million from Q3, primarily driven by increased loan interest income and decreased deposit interest expenses, showcasing effective interest rate management strategies.
- Stable Asset Quality: As of December 31, 2025, nonperforming assets represented 0.32% of total assets, up from 0.27% in Q3, yet still indicating robust asset quality management, which enhances investor confidence.
- Improved Capital Ratios: The total risk-based capital ratio stood at 12.89%, a 10 basis point increase from the previous quarter, indicating ongoing improvements in capital management that provide a stronger financial foundation for future business expansion.
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