Southern First Bancshares is a bank holding company that operates Southern First Bank, a commercial bank with retail offices across the Southeast, primarily in South Carolina, North Carolina, and Georgia. The bank generates revenue through net interest income on a diverse loan portfolio (heavily weighted toward real estate and commercial lending), deposit service fees, loan origination fees, and noninterest income from cash management and other banking services; deposits and loans form the core of its business model, with loans representing a substantial portion of assets and deposits providing the primary funding source. The company differentiates itself through a relationship-banking approach focused on small and medium-sized businesses in growing markets, leveraging experienced management, advanced digital banking capabilities, and strong capital positioning rather than competing on branch count or scale.