BlastPoint's Banking Scorecard
Southern First Bank
Greenville, SC
12 branches across SC · NC · GA
Southern First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.33% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.6B
+6.8% YoY
+4.0% QoQ
|
+$1.8B |
$2.8B
-0.1% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$3.9B
+7.1% YoY
+2.6% QoQ
|
+$2.0B |
$2.0B
+0.6% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 12.7% in tier |
| Total Deposits ? |
$3.9B
+6.7% YoY
+4.3% QoQ
|
+$1.5B |
$2.3B
-0.3% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.2% YoY
|
85% |
| Return on Assets ? |
0.91%
+68.7% YoY
+22.5% QoQ
|
-0.45% |
1.37%
+19.6% YoY
|
1.18%
+45.0% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
2.88%
+19.8% YoY
+9.7% QoQ
|
-0.93% |
3.82%
+6.9% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio ? |
58.73%
-15.7% YoY
-6.6% QoQ
|
-2.33% |
61.06%
-4.6% YoY
|
67.38%
-5.7% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.29%
-0.5% YoY
-19.2% QoQ
|
-0.60% |
0.89%
+14.1% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
100.61%
+0.4% YoY
-1.6% QoQ
|
+16.41% |
84.20%
+0.3% YoY
|
73.64%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.84%
+8.8% YoY
+4.2% QoQ
|
-0.45% |
21.29%
-2.5% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.26%
+1.4% YoY
-18.6% QoQ
|
-0.41% |
0.67%
+15.6% YoY
|
0.34%
+10.8% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.56%
+1.6% YoY
-0.4% QoQ
|
-3.60% |
15.16%
+2.0% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.08%
+4.5% YoY
-75.1% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.1% YoY
|
21% |
Get Full Access to Southern First Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.