BlastPoint's Banking Scorecard
Southern First Bank
Community
Specialty: Commercial
SC
FDIC cert 35295
Greenville, SC
1484
banks in Community tier nationally
22 in SC
View Community leaderboard (SC) →
Southern First Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 19.19% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 23% in Community
- - Credit Quality Pressure: Bottom 24% in Community
- - Net Interest Margin 1.03% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+7.7% YoY
+1.0% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.8B
+6.1% YoY
+1.6% QoQ
|
+$2.8B |
$975.5M
+2.4% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.7B
+8.1% YoY
+1.0% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.75%
+76.1% YoY
+9.6% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.63%
+22.3% YoY
+2.5% QoQ
|
-1.03% |
3.66%
+9.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
62.87%
-17.3% YoY
-3.8% QoQ
|
+0.24% |
62.63%
-5.3% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.36%
+19.9% YoY
+18.7% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
102.25%
-1.9% YoY
+0.6% QoQ
|
+19.19% |
83.06%
+0.3% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.00%
-1.1% YoY
-1.6% QoQ
|
-1.05% |
21.05%
-0.9% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.32%
+20.4% YoY
+18.9% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
11.61%
+1.8% YoY
+1.2% QoQ
|
+1.37% |
10.24%
-0.6% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.30%
+7.7% YoY
+35.1% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
102.25%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Risk Growth
risk
#149 of 642 · Bottom 23% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#193 of 808 · Bottom 24% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.36%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.63%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
90
90th pctile
Loan-to-Deposit Ratio
Current: 102.25% · Tier avg: 83.06%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 21.05%
48
48th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 62.63%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
8
8th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.66%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.63% · Tier avg: 3.66%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.61% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.87% · Tier avg: 62.63%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 21.05%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
90
90th pctile
Loan-to-Deposit Ratio
Current: 102.25% · Tier avg: 83.06%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M