Southern First Q1 net income $5.3M ($0.65 EPS) up 109% YoY; NIM expands to 2.41%

SOUTHERN FIRST BANCSHARES INC

2025-Q1 EPS reported $0.65 revenue$1,424,000

Net income of $5.3M, diluted EPS $0.65, up 108.8% vs Q1 2024 EPS of $0.31.
Net interest margin (tax-equivalent) 2.41%, up 47 bps from 1.94% a year ago.
Total loans $3.68B, up 6% annualized QoQ; core deposits $2.82B, up 23% annualized QoQ.
Nonperforming assets / total assets 0.26%; allowance for credit losses 1.10% of loans.
Book value per common share $41.33, up 6.9% from $38.65 a year ago.

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