SOUTHERN FIRST BANK
GREENVILLE, SOUTH CAROLINA · FDIC Cert #35295
Capital & Safety Analysis
According to FDIC financial data, SOUTHERN FIRST BANK holds a Tier 1 capital ratio of 11.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning SOUTHERN FIRST BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
SOUTHERN FIRST BANK shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
SOUTHERN FIRST BANK has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 11.22%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
SOUTHERN FIRST BANK holds $4.1B in total assets and $3.5B in total deposits. It is located in GREENVILLE, SOUTH CAROLINA (FDIC Certificate #35295).
SOUTHERN FIRST BANK has a Tier 1 capital ratio of 11.22%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.31%, and the return on assets is 0.42%.
Yes. SOUTHERN FIRST BANK is FDIC-insured (Certificate #35295). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.