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Southern First Bancshares SFST Home Equitys — Financing Receivable Allowance For Credit 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:FinancingReceivableAllowanceForCreditLosses.
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 |
|---|---|---|---|---|---|---|---|---|---|
| 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% | ||||||||
| Allowance for credit losses to nonperforming loans | 378.22% |
Item 1. CONSOLIDATED FINANCIAL STATEMENTS
FAQ
- What is Southern First Bancshares's home equitys — financing receivable allowance for credit losses?
- Southern First Bancshares (SFST) reported home equitys — financing receivable allowance for credit losses of $2.45M in Q1 2026.
- How has Southern First Bancshares's home equitys — financing receivable allowance for credit losses changed year-over-year?
- Southern First Bancshares's home equitys — financing receivable allowance for credit losses increased by 58.3% year-over-year, from $1.55M to $2.45M.
- What is the long-term trend for Southern First Bancshares's home equitys — financing receivable allowance for credit losses?
- Over 3 years (2022 to 2025), Southern First Bancshares's home equitys — financing receivable allowance for credit losses has grown at a -11.0% compound annual growth rate (CAGR), from $9.64M to $6.79M.
- What does home equitys — financing receivable allowance for credit losses mean?
- The contra-asset account representing the estimated amount of credit losses expected over the life of the home equity loan portfolio. This reserve is essential for assessing the bank's management of credit risk and adherence to accounting standards for loan loss provisioning.
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