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SFST on Nasdaq

SOUTHERN FIRST BANCSHARES INC

SOUTHERN FIRST BANCSHARES INC is an American national commercial bank, incorporated in South Carolina.1 It is headquartered in Greenville, South Carolina.1 Its shares trade on Nasdaq under the symbol SFST.1

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Last updated Oct 21, 2026.

Overview

Compare with Meridian Corporation, CONSUMERS BANCORP INC /OH/ or NATIONAL BANKSHARES INC, or pick any stock.

  • TickerSFST on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersGreenville, South Carolina1
  • Incorporated inSC2
  • Business address6 Verdae Boulevard, Greenville, Sc 296072
  • Filer categoryAccelerated filer2

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“we,” “us,” “our,” or similar references mean Southern First Bancshares, Inc. and its subsidiaries.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

483.4%Net margin4
13.0%Revenue growth, 20254
8.2%Return on equity4
$29.9MFree cash flow4

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax23¢$9.2M
  • Profit77¢$30.4M

Out of $6.3M in revenue.4

Where each dollar of operating cash went, fiscal 2025

  • Capital spending2¢$581.0K
  • Kept or used elsewhere98¢$29.9M

Out of $30.5M of cash from operations.4

Financial statements

Revenue56784$6.3M in 2025−37% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $9.9M$9.9M20192020: $19.8M$19.8M2020+99%2021: $11.4M$11.4M2021−43%2022: $4.2M$4.2M2022−63%2023: $4.0M$4.0M2023−4%2024: $5.6M$5.6M2024+38%2025: $6.3M$6.3M2025+13%
Net income56784$30.4M in 2025+9% since 2019
0$20.0M$40.0M$60.0M2019: $27.9M$27.9M20192020: $18.3M$18.3M2020−34%2021: $46.7M$46.7M2021+155%2022: $29.1M$29.1M2022−38%2023: $13.4M$13.4M2023−54%2024: $15.5M$15.5M2024+16%2025: $30.4M$30.4M2025+96%

Every line of the income statement as filed: the last 3 fiscal years, latest first.4

Period ending2025-12-312024-12-312023-12-31
Loans$198.1M$186.9M$166.1M
Investment securities$5.4M$5.8M$4.5M
Federal funds sold and interest-bearing deposits with banks$8.0M$8.5M$7.0M
Total interest income$211.5M$201.2M$177.6M
Deposits$95.6M$108.8M$91.4M
Borrowings$10.9M$11.2M$8.6M
Total interest expense$106.5M$120.0M$99.9M
Net interest income$105.0M$81.2M$77.7M
Provision for credit losses$3.0M$125.0K$1.3M
Net interest income after provision for credit losses$102.0M$81.1M$76.4M
Mortgage banking income$6.3M$5.6M$4.0M
Service fees on deposit accounts$2.4M$1.8M$1.4M
ATM and debit card income$2.4M$2.3M$2.2M
Income from bank owned life insurance$1.7M$1.6M$1.4M
Loss on sale of investment securities-$515.0K
Other income$924.0K$911.0K$818.0K
Total noninterest income$13.1M$12.1M$9.9M
Compensation and benefits$44.8M$43.5M$40.3M
Occupancy$10.0M$10.3M$10.3M
Outside service and data processing costs$8.5M$7.7M$7.1M
Insurance$3.9M$4.0M$3.8M
Professional fees$2.5M$2.4M$2.5M
Marketing$1.5M$1.4M$1.4M
Other$4.4M$3.9M$3.6M
Total noninterest expenses$75.5M$73.3M$68.8M
Income before income tax expense$39.6M$19.9M$17.4M
Income tax expense$9.2M$4.4M$4.0M
Net income available to common shareholders$30.4M$15.5M$13.4M
Basic$3.75$1.92$1.67
Diluted$3.72$1.91$1.66
Basic8.1M shares8.1M shares8.0M shares
Diluted8.2M shares8.1M shares8.1M shares

Compare SOUTHERN FIRST BANCSHARES INC with another company

Corporate structure

SOUTHERN FIRST BANCSHARES INC sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of SOUTHERN FIRST BANCSHARES INC

  • ENDEAVOUR CAPITAL ADVISORS INC Filed SCHEDULE 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Aug 14, 2026 (2 filings since Feb 14, 2025)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Mar 27, 2026 (3 filings since Nov 4, 2024)
  • BlackRock Filed SCHEDULE 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Apr 24, 2025 (5 filings since Feb 3, 2022)
  • T. Rowe Price Investment Management, Inc. Filed SC 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Nov 14, 2024 (3 filings since Feb 14, 2023)
  • FJ Capital Management LLC Filed SCHEDULE 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Nov 13, 2024 (5 filings since Feb 11, 2022)
  • BANC FUNDS CO LLC Filed SC 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Feb 9, 2024 (3 filings since Feb 10, 2022)
  • PRICE T ROWE ASSOCIATES INC /MD/ Filed SC 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Feb 14, 2023 (2 filings since Feb 14, 2022)
  • Manulife Financial Filed SC 13G/A on SOUTHERN FIRST BANCSHARES INC, latest Feb 16, 2022
  • SOUTHERN FIRST BANCSHARES INC Greenville, South Carolina

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What SOUTHERN FIRST BANCSHARES INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$11.2M4 Dec 31, 2025$11.2M4 Dec 31, 20240%
Buildings and improvements$54.9M4 Dec 31, 2025$54.9M4 Dec 31, 20240%
Furniture and fixtures$22.7M4 Dec 31, 2025$22.3M4 Dec 31, 2024+1.7%
Computer equipment and software$427.0K4 Dec 31, 2025$409.0K4 Dec 31, 2024+4.4%
Leasehold improvements$5.8M4 Dec 31, 2025$5.8M4 Dec 31, 20240%
Construction in progress$219.0K4 Dec 31, 2025$56.0K4 Dec 31, 2024+291.1%
Property and equipment, before depreciation$64.5M4 Dec 31, 2025$68.2M4 Dec 31, 2024−5.5%
Accumulated depreciation$30.9M4 Dec 31, 2025$26.5M4 Dec 31, 2024+16.2%
Property and equipment, net$83.5M4 Dec 31, 2025$88.8M4 Dec 31, 2024−6.0%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$127.7M4 Dec 31, 2025$132.1M4 Dec 31, 2024−3.3%
Deposits held (banks)$3.7B4 Dec 31, 2025$3.4B4 Dec 31, 2024+8.2%

Properties, in its own words

Our principal executive offices and the Bank’s main office are located at 6 Verdae Boulevard, Greenville, South Carolina 29607. In addition, we currently operate eight additional offices located in Greenville, Columbia, Summerville and Charleston, South Carolina, one office in Raleigh, North Carolina, one office in Greensboro, North Carolina, one office in Charlotte, North Carolina, and one office in Atlanta, Georgia. We lease eight of our offices and own the remaining five locations.

Item 2 of the 10-K filed Feb 24, 2026.3

Leadership

Who has led SOUTHERN FIRST BANCSHARES INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. R. Arthur Seaver Jr.2009–now

President

  1. F. Justin Strickland2006–2019
  2. Calvin C. Hurst2023–now

Chief financial officer

  1. Michael D. Dowling2011–2023
  2. David Andrew Borrmann2023–2024
  3. Christian J. Zych2024–now

Chief operating officer

  1. Michael D. Dowling2020–2023
2010201520202025
Board members and other officers (27)

Former names

  • GREENVILLE FIRST BANCSHARES INCJul 27, 1999 to Jul 2, 20072

Timeline

  1. Aug 28, 20268-K Other events46
  2. Jul 21, 20268-K Results of operations; Regulation FD disclosure47
  3. Jun 2, 20268-K Executive or director change48
  4. May 20, 20268-K Shareholder vote; Regulation FD disclosure49
  5. Apr 21, 20268-K Results of operations; Regulation FD disclosure50
  6. Apr 16, 20268-K Entered a material agreement; Regulation FD disclosure51
  7. Apr 15, 20268-K Results of operations; Regulation FD disclosure52
  8. Mar 10, 20268-K Entered a material agreement; New debt or obligation53
  9. Jan 22, 20268-K Results of operations; Bylaws or fiscal year changed; Regulation FD disclosure54
  10. Oct 28, 20258-K Results of operations; Regulation FD disclosure55
  11. Jul 22, 20258-K Results of operations; Regulation FD disclosure56
  12. Jun 18, 20258-K Other events57
  13. Jan 22, 2009New chief executive R. Arthur Seaver Jr. becomes CEO12

Calendar

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results47
  2. Apr 21, 2026Reported quarterly or annual results50
  3. Apr 15, 2026Reported quarterly or annual results52
  4. Jan 22, 2026Reported quarterly or annual results54
  5. Oct 28, 2025Reported quarterly or annual results55
  6. Jul 22, 2025Reported quarterly or annual results56
  7. Apr 22, 2025Reported quarterly or annual results58
  8. Jan 28, 2025Reported quarterly or annual results59

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

298 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 44 major events, 176 insider forms, 24 large holders, 34 other. The latest 20:

  1. Sep 22, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 18, 2026144 EDGAR
  3. Sep 15, 20264 PRIMARY DOCUMENT EDGAR
  4. Sep 3, 20264 PRIMARY DOCUMENT EDGAR
  5. Sep 1, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 28, 20268-K CURRENT REPORT EDGAR
  7. Aug 27, 20264 PRIMARY DOCUMENT EDGAR
  8. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  9. Aug 14, 2026SCHEDULE 13G/A EDGAR
  10. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  11. Aug 13, 20264/A PRIMARY DOCUMENT EDGAR
  12. Aug 12, 2026144 EDGAR
  13. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  14. Aug 3, 2026144 EDGAR
  15. Aug 3, 202610-Q QUARTERLY REPORT EDGAR
  16. Jul 29, 20264 PRIMARY DOCUMENT EDGAR
  17. Jul 21, 20268-K CURRENT REPORT EDGAR
  18. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  19. Jun 3, 20264 PRIMARY DOCUMENT EDGAR
  20. Jun 3, 20264 PRIMARY DOCUMENT EDGAR

The 298 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

105 open-market trades by officers, directors and large owners since October 2021: 59 buys and 46 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 18, 2026ORDERS JAMES B IIIDirectorSale8,045$62.05$499.2KForm 4
Sep 14, 2026Locke Anna TDirectorBuy300$63.27$19.0KForm 4
Sep 3, 2026CUBBAGE LEIGHTON MDirectorSale500$62.79$31.4KForm 4
Sep 2, 2026CUBBAGE LEIGHTON MDirectorSale1,200$62.26$74.7KForm 4
Sep 1, 2026CUBBAGE LEIGHTON MDirectorSale465$60.75$28.2KForm 4
Aug 28, 2026CUBBAGE LEIGHTON MDirectorSale400$63.00$25.2KForm 4
Aug 25, 2026CUBBAGE LEIGHTON MDirectorSale350$63.05$22.1KForm 4
Aug 24, 2026CUBBAGE LEIGHTON MDirectorSale400$63.00$25.2KForm 4
Aug 20, 2026CUBBAGE LEIGHTON MDirectorSale800$63.02$50.4KForm 4
Aug 12, 2026SEAVER R ARTHUR JRChief Executive OfficerSale21,000$63.59$1.3MForm 4
Aug 3, 2026Fairchild Julie AnnChief Accounting OfficerSale1,500$63.00$94.5KForm 4
Aug 3, 2026Fairchild Julie AnnChief Accounting OfficerSale1,500$63.00$94.5KForm 4
Jun 23, 2026Lattimore RayDirectorSale253$59.28$15.0KForm 4
Jun 10, 2026CUBBAGE LEIGHTON MDirectorSale765$60.60$46.4KForm 4
Mar 6, 2026Maner William IVDirectorBuy400$52.35$20.9KForm 4
Feb 26, 2026King Silvia TChief Human Resources OfficerSale2,625$60.49$158.8KForm 4
Dec 15, 2025SEAVER R ARTHUR JRChief Executive OfficerSale10,000$55.14$551.4KForm 4
Dec 10, 2025ELLISON DAVID GDirectorSale1,000$53.29$53.3KForm 4
Nov 21, 2025Fairchild Julie AnnChief Accounting OfficerSale1,258$50.00$62.9KForm 4
Nov 3, 2025ELLISON DAVID GDirectorBuy200$43.50$8.7KForm 4

All 105 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025R. Arthur SeaverJr.$515.0K$1.1M68
2025Calvin C. Hurst$365.6K$697.9K68
2025Christian J. Zych$319.3K$539.6K68
2025Wesley C. Wilbanks$235.0K$365.5K68
2025Julie A. Fairchild$206.0K$312.2K68
2025William M. AikenIII$67.5K$152.1K68
2024Chief Executive Officer$515.0K$1.1M68
2024President$355.0K$719.0K68
2024Chief Risk Officer$265.0K$508.8K68
2024Chief Financial Officer$203.0K$360.9K68
2024Chief Accounting Officer$188.0K$321.1K68
2023Chief Executive Officer$515.0K$805.3K68
2023President$309.0K$541.6K68
2023Chief Risk Officer$257.5K$444.7K68

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
FJ Capital Management LLC892,223$54.5M7.1%+85,000
BlackRock, Inc.830,375$50.7M0.0%+117,965
Endeavour Capital Advisors Inc662,860$40.5M8.3%+55,455
Vanguard Capital Management LLC392,789$24.0M0.0%+47,904
Dimensional Fund Advisors LP387,861$23.7M0.0%+7,493
State Street Corp373,521$22.8M0.0%+205,558
Ameriprise Financial Inc247,644$15.1M0.0%−23,599
Geode Capital Management, LLC237,053$14.5M0.0%+56,822
Renaissance Technologies LLC186,307$11.4M0.0%+35,700
Walleye Capital LLC179,992$11.0M0.1%New
Banc Funds Co LLC162,655$9.9M1.6%−9,000
American Century Companies Inc157,858$9.6M0.0%+8,441
Morgan Stanley126,040$7.7M0.0%+41,436
Maltese Capital Management LLC122,000$7.5M1.4%+86,974
Hotchkis & Wiley Capital Management LLC116,130$7.1M0.0%+1,000
Goldman Sachs Group Inc106,925$6.5M0.0%+41,021
Jpmorgan Chase & Co96,212$5.9M0.0%+92,824
Alliancebernstein L.P.106,590$5.8M0.0%+65,027
Stieven Capital Advisors, L.P.94,114$5.8M1.1%New
Bank Of America Corp /de/91,966$5.6M0.0%+73,765
Manufacturers Life Insurance Company, The87,448$5.3M0.0%New
Northern Trust Corp85,785$5.2M0.0%+14,699
Russell Investments Group, Ltd.76,998$4.7M0.0%+23,705
Aqr Capital Management LLC76,428$4.7M0.0%+49,745
Vanguard Portfolio Management LLC76,294$4.7M0.0%+31,545

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

1 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jun 29, 2020William R. Timmons IVRepublican, HouseSale$1,001 - $15,000+33.3%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How SOUTHERN FIRST BANCSHARES INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARSOUTHERN FIRST BANCSHARES INC1
  • CIK0001090009
  • Employer ID (EIN)58-24595613
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company3
  • Incorporated inSouth Carolina3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address6 Verdae Boulevard, Greenville, SC 296071
  • Phone86467990001
  • Shares outstanding9,471,755 as of Jul 28, 202610
  • Public float$292.5M as of Jun 30, 20253
  • AuditorElliott Davis, LLC, Greenville, South Carolina PCAOB ID 149; it also attests to the company’s internal control over financial reporting3
  • On EDGAR sinceJul 27, 19991
  • Filings1,081 in all: 4 (511), 8-K (206), 10-Q (67), SC 13G/A (59), DEF 14A (27), 10-K (21), 3 (20), SC 13G (19)1
    All 43 form types

    144 (15), 5 (15), 10QSB (14), 4/A (9), CORRESP (9), UPLOAD (9), ARS (8), EFFECT (8), 10KSB (6), 424B5 (6), S-3 (6), PRE 14A (4), S-8 (4), SB-2/A (4), SCHEDULE 13G/A (4), S-1/A (3), 10-K/A (2), 424B3 (2), 8-K/A (2), D (2), FWP (2), S-8 POS (2), SB-2 (2), SC 13D (2), 10KSB/A (1), 10QSB/A (1), 424B1 (1), 424B4 (1), 8-A12G (1), POS EX (1), S-1 (1), S-4 (1), S-4/A (1), SB-2MEF (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Feb 24, 2026
    Quarterly report (10-Q) Aug 3, 2026
    Proxy statement (DEF 14A) Apr 6, 2026
    Latest 8-K (8-K) Aug 28, 2026

Securities registered for trading

ClassSymbolExchange
Common StockSFSTThe NASDAQ Global Market

From the cover page of the 10-K filed Feb 24, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks SOUTHERN FIRST BANCSHARES INC names in Item 1A of its 10-K filed Feb 24, 2026: 46 risks under these headings, as written.3

  • Risks Related to Economic Conditions
  • Our business may be adversely affected by conditions in the financial markets and economic conditions generally.
  • A significant portion of our loan portfolio is secured by real estate, and events that negatively affect the real estate market could hurt our business.
  • Risks Related to Lending Activities
  • Our loan portfolio contains a number of real estate loans with relatively large balances.
  • Commercial real estate loans increase our exposure to credit risk.
  • Imposition of limits by the bank regulators on commercial and multi-family real estate lending activities could curtail our growth and adversely affect our earnings.
  • Repayment of our commercial business loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.
  • We may have higher credit losses than we have allowed for in our allowance for credit losses.
  • Our decisions regarding allowance for credit losses and credit risk may materially and adversely affect our business.
  • A percentage of the loans in our portfolio may include exceptions to our loan policies and supervisory guidelines.
  • Risks Related to Capital and Liquidity
The other 37 risks
  • Liquidity needs could adversely affect our financial condition and results of operations.
  • Legal, Accounting, Regulatory and Compliance Risks
  • We are subject to extensive regulation that has limited the conduct of our business, and could impose financial requirements, each of which could have an adverse impact on our operations.
  • We are subject to fair lending laws, and failure to comply with these laws could lead to material penalties.
  • We face risks related to the adoption of future legislation and potential changes in federal regulatory agency leadership, policies, and priorities.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • Consumer lending laws may restrict our ability to originate certain mortgage loans or increase our risk of liability with respect to such loans and could increase our cost of doing business.
  • The Federal Reserve may require us to commit capital resources to support the Bank.
  • Risks Related to Our Operations
  • Competition with other financial institutions may have an adverse effect on our ability to retain and grow our client base, which could have a negative effect on our financial condition or results of operations.
  • We are subject to environmental risks that could result in losses.
  • We rely on other companies to provide key components of our business infrastructure.
  • We may be adversely affected by the soundness of other financial institutions.
  • We are subject to losses due to errors, omissions or fraudulent behavior by our employees, clients, counterparties or other third parties.
  • Our operational or security systems may experience an interruption or breach in security, including as a result of cyber-attacks.
  • Our enterprise risk management framework may not be effective in mitigating risk and reducing the potential for losses.
  • Our controls and procedures may fail or be circumvented.
  • Failure to keep pace with technological change could adversely affect our business.
  • The development and use of AI presents risks and challenges that may adversely impact our business.
  • Our profitability is dependent on our banking activities.
  • Risks Related to Our Industry
  • We are subject to interest rate risk, which could adversely affect our financial condition and profitability.
  • Inflationary pressures and rising prices may affect our results of operations and financial condition.
  • The Federal Reserve has implemented significant economic strategies that have affected interest rates, inflation, asset values, and the shape of the yield curve.
  • Negative public opinion surrounding the Company and the financial institutions industry generally could damage our reputation and adversely impact our earnings.
  • Adverse developments affecting the financial services industry, such as recent bank failures or concerns involving liquidity, may have a material adverse effect on the Company’s operations.
  • Consumers may decide not to use banks to complete their financial transactions.
  • Our reliance on brokered deposits could adversely affect our liquidity and operating results.
  • Risks Related to Our Strategic Plans
  • We are dependent on key individuals and the loss of one or more of these key individuals could curtail our growth and adversely affect our prospects.
  • The success of our growth strategy depends on our ability to identify and retain individuals with experience and relationships in the markets in which we intend to expand.
  • We will face risks with respect to future expansion.
  • New lines of business or new products and services may subject us to additional risk.
  • Risks Related to Our Common Stock
  • Our ability to pay cash dividends is limited, and we may be unable to pay future dividends even if we desire to do so.
  • Our stock price may be volatile, which could result in losses to our investors and litigation against us.
  • Future sales of our stock by our shareholders or the perception that those sales could occur may cause our stock price to decline.
  • Economic and other circumstances may require us to raise capital at times or in amounts that are unfavorable to us. If we have to issue shares of common stock, they will dilute the percentage ownership interest of existing shareholders and may dilute the book value per share of our common stock and adversely affect the terms on which we may obtain additional capital.
  • Provisions of our articles of incorporation and bylaws, South Carolina law, and state and federal banking regulations, could delay or prevent a takeover by a third party.
  • Our common stock is not an insured deposit and is not guaranteed by the FDIC.
  • General Risk Factors
  • We may be subject to claims and litigation asserting lender liability.
  • From time to time, we are, or may become, involved in suits, legal proceedings, information-gatherings, investigations and proceedings by governmental and self-regulatory agencies that may lead to adverse consequences.

Legal proceedings

In the ordinary course of operations, we may be a party to various legal proceedings from time to time. We do not believe that there is any pending or threatened proceeding against us, which, if determined adversely, would have a material effect on our business, results of operations, or financial condition.

The opening of Item 3, Legal Proceedings.3

Sources

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