Southern First Q2 net income $11.2M, EPS $1.20, up 48% YoY; raises $65.2M in equity

SOUTHERN FIRST BANCSHARES INC

Net income $11.2M, diluted EPS $1.20, up 48% from $0.81 in Q2 2025.
Total revenue $35.9M (+25% YoY); net interest income $32.4M (+28% YoY) on loan growth.
Loans $4.03B (+9% annualized QoQ); retail deposits $3.56B (+22% annualized QoQ).
Raised $65.2M gross proceeds from 1.2M common shares; redeemed $11.5M subordinated notes.
CET1 ratio 12.82% (up from 10.71% YoY); TCE ratio 9.62% (up from 8.02% YoY).

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