{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-22-001205","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2022-04-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:59.703148+00:00","generated_at":"2026-06-26T04:30:15.896932+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Southern First Q1 net income $8.0M ($0.98 EPS); loans up 22% to $2.7B","bullets":["Net income $8.0M, diluted EPS $0.98 vs $1.49 in Q4 2021 and $1.31 in Q1 2021.","Total loans $2.66B, up 22% YoY; deposits $2.71B, up 20% YoY; loan growth strongest quarter in history.","Net interest margin stable at 3.37%; net interest income $23.2M, up $307K QoQ and $1.9M YoY.","Provision for credit losses $1.1M under new CECL methodology; $86.4M hotel loans upgraded.","Mortgage banking income fell to $1.5M from $4.6M in prior year quarter due to lower volume."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-22-001205","json":"https://secwatch.observer/filing/0001206774-22-001205.json","markdown":"https://secwatch.observer/filing/0001206774-22-001205.md","text":"https://secwatch.observer/filing/0001206774-22-001205.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422001205/0001206774-22-001205-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422001205/sfb4052661-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:30:15.896932+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"}