{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-22-002591","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.577738+00:00","generated_at":"2026-06-23T01:09:52.537600+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Southern First Q3 net income $8.4M ($1.04 EPS); loans up 27% YoY to $3.0B","bullets":["Net income $8.4M vs $14.0M in Q3 2021; diluted EPS $1.04 vs $1.75.","Net interest income rose 14.8% to $25.5M; net interest margin fell to 3.19% from 3.38%.","Total loans $3.03B (+27% YoY); total deposits $3.00B (+23% YoY).","Provision for credit losses $950k (vs reversal of $6.0M in Q3 2021); net recoveries $1.6M.","Nonperforming assets/total assets 0.08% vs 0.50% a year ago; classified asset ratio improved to 5.24%."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-22-002591","json":"https://secwatch.observer/filing/0001206774-22-002591.json","markdown":"https://secwatch.observer/filing/0001206774-22-002591.md","text":"https://secwatch.observer/filing/0001206774-22-002591.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422002591/0001206774-22-002591-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677422002591/sfb4121731-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:09:52.537600+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"}