{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-22-001838","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2022-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.952336+00:00","generated_at":"2026-06-24T08:33:53.735146+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Southern First Q2 net income $7.2M ($0.90 diluted EPS); loans up 26% YoY to $2.8B","bullets":["Net income $7.2M ($0.90 diluted EPS) vs $10.3M ($1.29) in Q2 2021; net interest income up 16.1% to $24.9M.","Loans grew 26% YoY to $2.8B; deposits up 24% to $2.9B; book value per share $35.39 (+11%).","NIM 3.35% (down 15 bps YoY); mortgage banking income dropped $1.4M vs Q2 2021.","Provision for credit losses $1.8M vs reversal of $1.9M in Q2 2021; allowance 1.20% of loans.","Nonperforming assets at 0.09% of total assets, improved from 0.27% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-22-001838","json":"https://secwatch.observer/filing/0001206774-22-001838.json","markdown":"https://secwatch.observer/filing/0001206774-22-001838.md","text":"https://secwatch.observer/filing/0001206774-22-001838.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422001838/0001206774-22-001838-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422001838/sbf4087131-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T08:33:53.735146+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"}