{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-25-000731","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.769277+00:00","generated_at":"2026-05-17T01:51:49.036263+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Southern First Q3 diluted EPS $1.07, up 98% YoY; NIM expands to 2.62%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-25-000731","json":"https://secwatch.observer/filing/0001206774-25-000731.json","markdown":"https://secwatch.observer/filing/0001206774-25-000731.md","text":"https://secwatch.observer/filing/0001206774-25-000731.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000731/0001206774-25-000731-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677425000731/sfst4551931-8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:51:49.036263+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"}