{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-24-000946","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2024-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.633519+00:00","generated_at":"2026-05-30T11:26:36.901182+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 net income $4.4M ($0.54 EPS); net interest margin expands 10 bps to 2.08%","bullets":["Net income $4.4M, diluted EPS $0.54 vs $0.37 in Q2 2024 and $0.51 in Q3 2023.","Net interest margin (tax-equivalent) 2.08%, up 10 bps from 1.98% in Q2 2024; net interest income $20.6M.","Total loans $3.62B (flat QoQ); total deposits $3.52B, up $59M from Q2 2024.","Nonperforming assets 0.28% of assets; net recoveries $9k; no provision for credit losses in Q3.","Core checking accounts grew 21% annualized; CEO cites disciplined pricing and credit standards."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-24-000946","json":"https://secwatch.observer/filing/0001206774-24-000946.json","markdown":"https://secwatch.observer/filing/0001206774-24-000946.md","text":"https://secwatch.observer/filing/0001206774-24-000946.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677424000946/0001206774-24-000946-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677424000946/sfst4395861_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:26:36.901182+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"}