{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-21-001840","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2021-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:17.122218+00:00","generated_at":"2026-06-30T02:03:46.162147+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Southern First Q2 net income $10.3M ($1.29 EPS), up 120% YoY; loans grow 10.7% to $2.25B","bullets":["Net income $10.3M ($1.29 diluted EPS) vs $4.7M ($0.60) in Q2 2020, up 120.7% and 115%.","Total revenue $25.1M; net interest margin improved to 3.50% from 3.42% YoY.","Loans grew 10.7% to $2.254B, deposits up 5.6% to $2.31B.","Negative provision for loan losses of $1.9M vs $10.2M provision in Q2 2020.","Nonperforming assets improved to 0.27% of total assets; allowance coverage 619% of nonaccruals."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-21-001840","json":"https://secwatch.observer/filing/0001206774-21-001840.json","markdown":"https://secwatch.observer/filing/0001206774-21-001840.md","text":"https://secwatch.observer/filing/0001206774-21-001840.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677421001840/0001206774-21-001840-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677421001840/sfb3934821-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T02:03:46.162147+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}