{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-21-002648","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2021-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.445638+00:00","generated_at":"2026-06-28T17:51:41.143367+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Southern First Q3 2021 net income $14.0M ($1.75 EPS) up from $2.2M in Q3 2020","bullets":["Net income $14.0M ($1.75 diluted EPS) vs $2.2M ($0.28) a year ago; revenue $26.4M.","Record loan growth: loans up 14.9% to $2.4B; deposits up 11.6% to $2.4B.","Loan loss reversal of $6.0M vs provision of $11.1M in Q3 2020; allowance/loans 1.51%.","Net interest margin 3.38% vs 3.50% prior quarter on yield compression; NII up 7.4% YoY.","NPAs rose to 0.50% of assets from 0.27% due to one $9.0M relationship; classified assets ratio 14.90%."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-21-002648","json":"https://secwatch.observer/filing/0001206774-21-002648.json","markdown":"https://secwatch.observer/filing/0001206774-21-002648.md","text":"https://secwatch.observer/filing/0001206774-21-002648.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677421002648/0001206774-21-002648-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677421002648/sfb3974021-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T17:51:41.143367+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"}