What does other — provision for loan lease and other losses mean?

An expense charged to the income statement to maintain the allowance for loan and lease losses at an appropriate level based on expected credit losses. Fluctuations in this metric indicate changes in the perceived credit quality and economic outlook for the 'Other' segment's assets.

Southern First Bancshares (SFST) Other — Provision For Loan Lease And Other Losses

Screener

Other product segments

Business

$1.34M-60.6%

Non Owner Occupied Re

-$902K+68.7%

Home Equitys

$623K+156%

Owner Occupied Re

-$451K+70.9%

Real Estate

$448K-84.2%

Construction

$371K-0.3%

Similar metrics at other companies

SAFEGround Leases — Provision For Loan Lease And Other Losses

$498K—

PCARFinancial Services — Provision For Loan Lease And Other Losses

$39.4M+34.9%

TBBKCommercial — Provision For Loan Lease And Other Losses

$1.07M-24.8%

TBBKFintech — Provision For Loan Lease And Other Losses

$25.77M-40.4%

TBBKREBL — Provision For Loan Lease And Other Losses

-$294K-153%

FMNBBank — Provision For Loan Lease And Other Losses

$2.44M-31.3%

Other financials

Income statement

See full

Revenue$35.9M+25.3%

Net income$11.2M+70.1%

EPS (diluted)$1.20+48.1%

Balance sheet

See full

Cash & equivalents$361.6M+1,336%

Total debt$22.1M-6.3%

Total equity$452.3M+30.9%

Total assets$4.7B+9.1%

Cash flow

See full

Operating cash flow$10.8M+42.1%

CapEx$280.0K+98.6%

Free cash flow$10.5M+41.0%

Valuation

See full

Market cap$599.85M+79.8%

P/E15.2×-0.1×

P/S4.5×+1.3×

Profitability

See full

Net margin29.9%+8.9pp

FCF margin28.1%-9.9pp

Returns & leverage

See full

Return on equity9.9%+3.3pp

Debt / equity0.1×0.0×

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 other — provision for loan lease and other losses?: Southern First Bancshares (SFST) reported other — provision for loan lease and other losses of -$63K in Q1 2026.
How has Southern First Bancshares's other — provision for loan lease and other losses changed year-over-year?: Southern First Bancshares's other — provision for loan lease and other losses decreased by 243.2% year-over-year, from $44K to -$63K.
What does other — provision for loan lease and other losses mean?: An expense charged to the income statement to maintain the allowance for loan and lease losses at an appropriate level based on expected credit losses. Fluctuations in this metric indicate changes in the perceived credit quality and economic outlook for the 'Other' segment's assets.