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Southern First Bank is a relationship-driven community bank headquartered in Greenville, SC with $4B in assets and 13 locations across the Southeast, offering personal and business banking services.
Data compiled from public sources
Southern First Bancshares, Inc. (NASDAQ: SFST) operates Southern First Bank, a regional bank founded on a relationship-first philosophy. The bank is headquartered in Greenville, South Carolina and maintains 13 locations throughout the Southeast, including branches in Atlanta, Charleston, Charlotte, Columbia, Greensboro, Greenville, Raleigh, and Summerville.
As of Q4 2025, the bank reported $4 billion in total assets and emphasized local ownership and leadership. Southern First offers comprehensive personal and business banking services including checking and savings accounts, online banking with mobile app access, personal service from dedicated banker teams, and loan products. The bank features digital tools like Zelle for peer-to-peer money transfers, online account management, and digital enrollment options.
Both personal and business customers can access online banking portals with username/password authentication and dedicated support lines (864-679-9000 for business, 877-679-9646 for personal accounts). The bank distinguishes itself through a stated "relationship-first" approach where each account comes with a dedicated team of bankers focused on understanding customer goals. The company emphasizes personal service and easy-to-use technology as core differentiators.
" The bank actively participates in community initiatives, receiving recognition from the Charleston Mayor for National Homeownership Month in June 2025. As a regional community bank, Southern First serves customers in growing Southeast markets. The relationship-driven model appeals to those seeking personalized banking rather than large national institutions.
However, with only 13 locations, geographic reach is limited compared to national banks. The bank's size and regional focus position it between large national banks and smaller community banks, offering both local decision-making and adequate resources.
This is state-level context for Banks consumers in Greenville, SC. It does not confirm that Southern First Bank or this specific location is licensed.
State regulator
South Carolina Board of Financial Institutions
Consumer protection
South Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Southern First Bank processed 1,286 mortgage applications in 2023, with 89.7% recorded as approved across 8 states.
1,286
Applications
89.7%
Approval Rate
$369K
Avg Loan
8
States Served
Based on 1,286 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Southern First Bank offers 12 services including Personal checking and savings accounts, Business checking and savings accounts, Online banking portal for personal accounts, Online banking portal for business accounts, Mobile banking app with Zelle integration for peer-to-peer transfers, and 7 more.
Southern First Bank has profile signals associated with Southeast residents (SC, GA, NC) seeking personalized banking with dedicated banker relationships over impersonal online-only banks, Small business owners in the Southeast who value local decision-making and relationship-based lending, High-net-worth individuals in Southern First's service areas who prioritize personal service and customized financial planning, Customers relocating to Southeast markets who want to establish banking relationships with roots in their new communities.
Key strengths: Dedicated banker teams assigned to each account for personalized service and relationship-based financial planning; Strong recent financial performance with $4 billion in assets and Q4 2025 showing 36 basis points expansion in net interest margin year-over-year; Multiple Southeast locations (13 branches) across growing markets including Atlanta, Charleston, Charlotte, Columbia, Greensboro, Greenville, Raleigh, and Summerville. Areas to consider: Limited geographic footprint with only 13 locations across Southeast, not suitable for customers needing nationwide branch access; As a regional bank, may have higher fees or less rate claims to verify on some products compared to larger national institutions.
In the Banks category, comparable providers include 1st Federal Savings Bank of SC, Inc., Abbeville First Bank, Ssb, Bank of the Lowcountry. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Southern First Bank is profile signals for Southeast residents and small business owners who prioritize personalized banker relationships and local decision-making over the convenience of nationwide branch networks. The primary caveat is limited geographic reach—this bank only serves 13 locations in the Southeast, making it unsuitable for customers needing multistate banking or frequent out-of-region access.
FDIC-insured South Carolina bank established in 1963, offering checking, savings, CDs, IRAs, and loan products with rate claims to verify and local community focus.
Profile signals: South Carolina residents seeking FDIC-insured deposit accounts with local banking relationships, Customers prioritizing relationship banking with experienced, long-tenured staff
Abbeville First Bank is a South Carolina-based community bank serving Abbeville County for over 115 years, offering personal and business banking with emphasis on local service and homeownership.
Profile signals: Abbeville County residents seeking local banking relationships and personalized service, Homebuyers in the region who value the bank's demonstrated mortgage lending experience context
Community bank with branches in South Carolina offering personal and business banking, loans, and financial literacy resources.
Profile signals: South Carolina residents seeking personalized relationship banking with local experts, Small business owners and entrepreneurs in the Lowcountry region looking for community-focused business lending
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