Southern First Q3 diluted EPS $1.07, up 98% YoY; NIM expands to 2.62%

SOUTHERN FIRST BANCSHARES INC

2025-Q3 EPS reported $2.54 revenue$4,593,000

Net income $8.7M vs $4.4M in Q3 2024; diluted EPS $1.07 vs $0.54 (+98%).
Net interest margin (tax-equivalent) 2.62%, up 54 bps YoY from 2.08%.
Total loans $3.79B (+4% annualized QoQ); core deposits $2.88B (+2% annualized QoQ).
Efficiency ratio improved to 60.86% from 75.90% a year ago.
Nonperforming assets / total assets held at 0.27%; allowance 1.10% of loans.

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