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Southern First Bancshares SFST Construction — Provision For Loan Lease And Other Losses
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Where this comes from
Reported directly by Southern First Bancshares in its filing.
Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.
The source filing: Southern First Bancshares’s 10-Q, filed May 1, 2026.
- Filed
- May 1, 2026, 9:01 AM EDT
- Fiscal quarter
- Q1 FY2026
- Calendar quarter
- Q1 2026
- Accession
- 0001206774-26-000259
| Schedule of activity related to the allowance for credit losses / (dollars in thousands) | Commercial / Owner occupied RE | Commercial / Non- owner occupied RE | Commercial / Construction | Three months March 31, 2026 / Commercial / Business | Three months March 31, 2026 / Real Estate | Three months March 31, 2026 / Home Equity | Three months March 31, 2026 / Construction | Three months March 31, 2026 / Other | Three months March 31, 2026 / Consumer / Total |
|---|---|---|---|---|---|---|---|---|---|
| Balance, beginning of period | $3,911 | 6,773 | 611 | 12,148 | 15,866 | 1,827 | 569 | 575 | 42,280 |
| Provision for (reversal of) credit losses for loans | (451) | (902) | 371 | 1,340 | 448 | 623 | (216) | (63) | 1,150 |
| Loan charge-offs | - | - | - | (74) | - | - | - | (4) | (78) |
| Loan recoveries | - | 11 | - | 13 | - | 2 | - | - | 26 |
| Net loan recoveries (charge-offs) | - | 11 | - | (61) | - | 2 | - | (4) | (52) |
| Balance, end of period | $3,460 | 5,882 | 982 | 13,427 | 16,314 | 2,452 | 353 | 508 | 43,378 |
| Net charge-offs to average loans (annualized) | 0.01% | ||||||||
| Allowance for credit losses to gross loans | 1.10% |
Item 1. CONSOLIDATED FINANCIAL STATEMENTS
FAQ
- What is Southern First Bancshares's construction — provision for loan lease and other losses?
- Southern First Bancshares (SFST) reported construction — provision for loan lease and other losses of $371K in Q1 2026.
- How has Southern First Bancshares's construction — provision for loan lease and other losses changed year-over-year?
- Southern First Bancshares's construction — provision for loan lease and other losses decreased by 0.3% year-over-year, from $372K to $371K.
- What is the long-term trend for Southern First Bancshares's construction — provision for loan lease and other losses?
- Over 2 years (2022 to 2025), Southern First Bancshares's construction — provision for loan lease and other losses has grown at a -28.7% compound annual growth rate (CAGR), from $513K to -$261K.
- What does construction — provision for loan lease and other losses mean?
- The periodic expense charged to the income statement to maintain the allowance for loan and lease losses at an appropriate level for the construction segment. This reflects the bank's current assessment of credit risk and expected future losses in the construction portfolio. Changes in this provision indicate management's outlook on the economic environment and borrower health.
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