Southern First Bancshares (SFST) risk factors

Item 1A of every Southern First Bancshares Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
46 risks1 new2 dropped9 reworded
Commercial real estate concentration dropped from 55.4% to 45.7% of the loan portfolio.
Filed Feb 24, 2026
FY2024 10-K risk factors
47 risks
Real estate and commercial property exposures dominate the risk profile, with 84% of loans collateralized by real estate as of December 31, 2024. Fixed-rate loans make up 81% of the portfolio, exposing the bank to interest rate and inflation risks. Brokered deposits total $550.3 million, representing 16.0% of total deposits.
Filed Mar 03, 2025