What does owner occupied re — notes receivable gross mean?

Reflects the total gross amount of notes receivable associated with owner-occupied commercial real estate financing before any adjustments for credit losses. This figure represents the contractual principal amount owed to the bank by commercial borrowers. It serves as a primary measure of the total credit exposure to this specific asset class.

Southern First Bancshares (SFST) Owner Occupied Re — Notes Receivable Gross

Screener

Other product segments

Real Estate

$5.79M+140%

Non Owner Occupied Re

$1.71M-75.4%

Business

$909K-16.4%

Home Equitys

$745K+140%

Similar metrics at other companies

CATOCredit Card — Notes Receivable Gross

$0—

TRSTFL — Notes Receivable Gross

$1.91B+3.8%

CCBGReal Estate Secured — Notes Receivable Gross

$15.49M+156%

BANFPegasus Bank — Notes Receivable Gross

$923.49M+4.1%

CCBGNon Real Estate Secured — Notes Receivable Gross

$1.17M-3.7%

BANFAll Other Segments — Notes Receivable Gross

$97.32M+2.1%

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+81.5%

P/E15.2×0.0×

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:NotesReceivableGross.

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 nonaccrual loans by major categories / (dollars in thousands)	March 31, 2026 / Nonaccrual / loans / with no / allowance	March 31, 2026 / Nonaccrual / loans / with an / allowance	March 31, 2026 / Total / nonaccrual / loans	December 31, 2025 / Nonaccrual / loans / with no / allowance	December 31, 2025 / Nonaccrual / loans / with an / allowance	December 31, 2025 / Total / nonaccrual / loans
Commercial
Owner occupied RE	$2,066	251	2,317	-	259	259
Non-owner occupied RE	-	1,712	1,712	5,097	1,820	6,917
Business	-	909	909	-	189	189
Total commercial	2,066	2,872	4,938	5,097	2,268	7,365
Consumer
Real estate	3,994	1,792	5,786	4,122	1,641	5,763
Home equity	495	250	745	705	-	705

Item 1. CONSOLIDATED FINANCIAL STATEMENTS

FAQ

What is Southern First Bancshares's owner occupied re — notes receivable gross?: Southern First Bancshares (SFST) reported owner occupied re — notes receivable gross of $2.32M in Q1 2026.
What does owner occupied re — notes receivable gross mean?: Reflects the total gross amount of notes receivable associated with owner-occupied commercial real estate financing before any adjustments for credit losses. This figure represents the contractual principal amount owed to the bank by commercial borrowers. It serves as a primary measure of the total credit exposure to this specific asset class.