secwatch.observer — SEC 8-K summary
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Issuer:     SOUTHERN FIRST BANCSHARES INC (SFST)
CIK:        0001090009
Form:       8-K
Filed at:   2026-07-21T12:30:36+00:00
Accession:  0001206774-26-000359
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1090009/000120677426000359/0001206774-26-000359-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1090009/000120677426000359/sfst4665911-8k.htm
  HTML page:      https://secwatch.observer/filing/0001206774-26-000359

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer