{"schema_version":"secwatch.filing_event.v1","accession":"0001206774-26-000563","form_type":"8-K","ticker":"SFST","cik":"0001090009","company_name":"SOUTHERN FIRST BANCSHARES INC","filed_at":"2026-10-20T12:30:44+00:00","discovered_at":"2026-10-20T12:35:00.287993+00:00","generated_at":"2026-10-20T12:35:15.172946+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"Southern First Q3 EPS $1.28, up 21% YoY; NIM 3.02% as net interest income grows 26%","bullets":["Net income $12.2M, up 41% YoY and 9% QoQ; diluted EPS $1.28 vs $1.06 a year ago; total revenue $37.5M, up 21% YoY.","Net interest margin 3.02%, up 40 bps YoY and 15 bps QoQ; net interest income $34.7M (+26% YoY); return on average assets 1.03% vs 0.80%.","Loans $4.18B, up $145M (14% annualized) QoQ; retail deposits $3.72B, up $163M (18% annualized) and 20% YoY; wholesale deposits cut 32% YoY to $386.5M.","Noninterest income fell to $2.9M from $3.6M as mortgage banking income dropped 60% to $638K on retaining loans; service fees on deposits rose 45% to $906K.","Credit metrics steady: NPAs 0.30% of assets, net charge-offs 0.07% annualized, provision $1.4M, ACL 1.07% of loans; TCE 9.47%, CET1 12.74%, BVPS $48.68."],"urls":{"canonical":"https://secwatch.observer/filing/0001206774-26-000563","json":"https://secwatch.observer/filing/0001206774-26-000563.json","markdown":"https://secwatch.observer/filing/0001206774-26-000563.md","text":"https://secwatch.observer/filing/0001206774-26-000563.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1090009/000120677426000563/0001206774-26-000563-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1090009/000120677426000563/sfst4704891-8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T12:35:15.172946+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"}