BlastPoint's Banking Scorecard
Southern First Bank
Greenville, SC
12 branches across SC · NC · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 13 in SC.
- Deposits +9.5% year over year ($4.0B on the books).
- Delinquency rate 0.28%.
- Return on assets 0.96%.
- Efficiency ratio 57.36% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.81% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southern First Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.37% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Net Interest Margin 0.94% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+9.1% YoY
+2.7% QoQ
|
+$1.9B |
$2.8B
-0.6% YoY
|
$1.5B
+5.6% YoY
|
$6.3B
+7.7% YoY
|
85% |
| Total Loans ? |
$4.0B
+7.5% YoY
+2.1% QoQ
|
+$2.0B |
$2.0B
-0.3% YoY
|
$1.0B
+7.6% YoY
|
$3.2B
+9.4% YoY
|
Top 12.0% in tier |
| Total Deposits ? |
$4.0B
+9.5% YoY
+2.9% QoQ
|
+$1.7B |
$2.3B
-0.5% YoY
|
$1.3B
+2.8% YoY
|
$4.9B
+7.3% YoY
|
Top 14.8% in tier |
| Return on Assets ? |
0.96%
+59.7% YoY
+4.9% QoQ
|
-0.43% |
1.39%
+17.0% YoY
|
1.14%
+28.2% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
2.93%
+18.3% YoY
+1.7% QoQ
|
-0.94% |
3.87%
+6.2% YoY
|
3.68%
+4.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio ? |
57.36%
-15.5% YoY
-2.3% QoQ
|
-2.37% |
59.73%
-12.6% YoY
|
67.24%
-4.2% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.28%
-10.3% YoY
-4.5% QoQ
|
-0.59% |
0.87%
+11.7% YoY
|
0.46%
-16.5% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
99.81%
-1.8% YoY
-0.8% QoQ
|
+14.78% |
85.04%
-0.1% YoY
|
74.60%
+2.0% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.39%
-4.8% YoY
-2.2% QoQ
|
-0.88% |
21.27%
-1.5% YoY
|
21.25%
-0.8% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.27%
-3.1% YoY
+2.4% QoQ
|
-0.41% |
0.67%
+11.7% YoY
|
0.29%
-15.5% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.61%
+2.4% YoY
+0.4% QoQ
|
-3.24% |
14.84%
-0.4% YoY
|
17.16%
+0.2% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.15%
-0.6% YoY
+95.1% QoQ
|
-0.38% |
0.53%
+2.5% YoY
|
0.29%
+23.1% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.4%
-1.0pp YoY -0.5pp QoQ |
-1.0pp | 21.4% | 21.7% | 22.2% | 53% |
| Brokered Deposits |
9.5%
-5.9pp YoY -3.4pp QoQ |
0.0pp | 9.5% | 10.6% | 8.5% | 67% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
+0.9pp YoY +0.1pp QoQ |
-3.3pp | 14.0% | 9.8% | 12.5% | 47% |
| CRE |
45.8%
+0.9pp YoY -0.3pp QoQ |
-4.2pp | 50.0% | 43.3% | 41.4% | 38% |
| 1-4 Family |
42.8%
-2.2pp YoY -0.2pp QoQ |
+16.4pp | 26.4% | 44.4% | 31.3% | 85% |
| Consumer |
1.3%
+0.2pp YoY +0.3pp QoQ |
-3.4pp | 4.7% | 4.5% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.6%
+0.3pp YoY 0.0pp QoQ |
-4.0pp | 15.6% | 18.1% | 19.7% | 17% |
| Leverage Ratio |
8.9%
0.0pp YoY -0.3pp QoQ |
-2.4pp | 11.3% | 12.3% | 12.6% | 9% |
| Total Capital Ratio |
12.8%
+0.3pp YoY 0.0pp QoQ |
-3.9pp | 16.7% | 19.1% | 20.8% | 19% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
324
+21 (+6.9%) YoY +4 (+1.2%) QoQ |
+10 | 313 | 174 | 482 | 69% |
| Assets per Employee ($) |
$14.5M
+2.1% YoY +1.4% QoQ |
+$4.0M | $10.5M | $7.8M | $8.8M | 88% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 12 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.0% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.5% | 1.0% | 29% |
| Allowance Coverage |
3.95x
+11.1% YoY +4.5% QoQ |
-14.76x | 18.71x | 15.59x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.0%
+3.9pp YoY +0.5pp QoQ |
-1.6pp | 12.6% | 11.7% | 11.6% | 41% |
| Cost of Funds (YTD) |
2.3%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.9% | 1.6% | 1.7% | 76% |
| Net Income ($, YTD) |
$21.9M
+72.3% YoY — QoQ |
+$2.7M | $19.2M | $9.6M | $40.4M | 73% |
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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.