SOUTHERN FIRST BANCSHARES INC

General Southern First Bancshares, Inc. is a bank holding company incorporated in March 1999 under South Carolina law. Its primary business is serving as the holding company for Southern First Bank, a South Carolina state bank. The Bank operates as a commercial bank, accepting demand and savings deposits insured by the Federal Deposit Insurance Corporation (FDIC), and providing commercial, consumer, and mortgage loans to the public. The Bank has eight retail offices in the Greenville, Columbia, and Charleston markets of South Carolina, three retail offices in the Raleigh, Greensboro, and Charlotte markets of North Carolina, and one retail office in Atlanta, Georgia. In 2023, the company opened its Dream Mortgage Center, a loan production office, in Columbia, South Carolina. The Bank operates using a "ClientFIRST" model, which focuses on delivering core banking products and services through relationship teams, providing clients with a specific banker contact and a consistent support team for their banking needs.