8-K current report · filed Apr 15, 2026

SOUTHERN FIRST BANCSHARES INC (SFST) 8-K Current Report: April 15, 2026

Item 2.02Item 7.01Item EX-99.1SFST overview

Short answer

SOUTHERN FIRST BANCSHARES INC (SFST) filed an 8-K current report with the SEC on April 15, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.2). Exhibit 99.2 accompanies the Regulation FD filing.

SOUTHERN FIRST BANCSHARES INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 7.01 · Regulation FD Disclosure

  • Exhibit 99.2 accompanies the Regulation FD filing
  • Securities-law disclaimer limits interpretation as an offering or solicitation
  • Investor-relevant disclosure content appears in the attached exhibit

Item EX-99.1 · Exhibit EX-99.2

  • Preliminary Q1 2026 net income approximately $9.9M, up approximately 88% year over year from $5.266M
  • Net interest margin improved to approximately 2.88% from 2.72%, supported by repricing and lower funding costs
  • Loans reached approximately $3.94B and deposits $3.87B, indicating continued balance-sheet expansion
  • Asset quality remained strong with nonperforming assets at approximately 0.26% and annualized net charge-offs at 0.01%
  • Preliminary figures remain unaudited and may materially change before final results release

Other items in this filing:

  • Item 2.02: Results of Operations and Financial Condition

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