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Southern First Bancshares SFST Real Estate — 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 real estate — financing receivable allowance for credit losses?
- Southern First Bancshares (SFST) reported real estate — financing receivable allowance for credit losses of $16.31M in Q1 2026.
- How has Southern First Bancshares's real estate — financing receivable allowance for credit losses changed year-over-year?
- Southern First Bancshares's real estate — financing receivable allowance for credit losses increased by 7.4% year-over-year, from $15.19M to $16.31M.
- What is the long-term trend for Southern First Bancshares's real estate — financing receivable allowance for credit losses?
- Over 3 years (2022 to 2025), Southern First Bancshares's real estate — financing receivable allowance for credit losses has grown at a 22.7% compound annual growth rate (CAGR), from $33.86M to $62.61M.
- What does real estate — financing receivable allowance for credit losses mean?
- Represents the contra-asset account established to account for estimated credit losses inherent in the real estate financing receivable portfolio. This balance reflects management's assessment of potential defaults and credit deterioration within the segment. It is a critical indicator of the bank's conservative approach to credit risk management.
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