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Southern First Bancshares SFST Home Equitys — Valuation Allowances And Reserves Recoveries
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Where this comes from
Reported directly by Southern First Bancshares in its filing.
Tagged under the XBRL concept us-gaap:ValuationAllowancesAndReservesRecoveries.
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 home equitys — valuation allowances and reserves recoveries?
- Southern First Bancshares (SFST) reported home equitys — valuation allowances and reserves recoveries of $2K in Q1 2026.
- How has Southern First Bancshares's home equitys — valuation allowances and reserves recoveries changed year-over-year?
- Southern First Bancshares's home equitys — valuation allowances and reserves recoveries decreased by 50.0% year-over-year, from $4K to $2K.
- What is the long-term trend for Southern First Bancshares's home equitys — valuation allowances and reserves recoveries?
- Over 3 years (2022 to 2025), Southern First Bancshares's home equitys — valuation allowances and reserves recoveries has grown at a -23.0% compound annual growth rate (CAGR), from $92K to $42K.
- What does home equitys — valuation allowances and reserves recoveries mean?
- The amount of previously written-off assets or valuation reserves that have been recovered during the reporting period. This metric highlights the effectiveness of the bank's collection efforts and the potential for reversing prior credit loss estimates.
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