{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-22-000970","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2022-04-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.702879+00:00","generated_at":"2026-06-26T10:14:04.072767+00:00","sec_items":["8.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Southern First Bancshares receives FDIC CRA rating of 'Needs to Improve'","bullets":["FDIC rated Southern First Bank's CRA performance 'Needs to Improve' for period Feb 12, 2018 – Mar 29, 2021.","CEO Art Seaver said the rating does not reflect the bank's positive community impact.","Bank has already made progress in the market identified by the regulator and remains committed to community service."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-22-000970","json":"https://secwatch.observer/filing/0001206774-22-000970.json","markdown":"https://secwatch.observer/filing/0001206774-22-000970.md","text":"https://secwatch.observer/filing/0001206774-22-000970.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422000970/0001206774-22-000970-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422000970/sfst4042451-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T10:14:04.072767+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"}