Southern First Bank

Headquarters: Greenville, South Carolina
Charter: Bank
Assets: $4.7B
Fed district: Richmond

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Southern First Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Southern First Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Southern First Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $399K in Q2 2026, 35% above the same quarter a year earlier ($296K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Southern First Bank: $5
Southern First Bank: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Southern First Bank: $20 to $30
Southern First Bank: $20 to $30
U.S. median: no median
Stop Payment
Southern First Bank: $36
Southern First Bank: $36
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 27% from Q3 2025 to Q2 2026, to $399K.

Service-charge income, Q2 2026

$399K

$315KQ3 2025

$313KQ4 2025

$372KQ1 2026

$399KQ2 2026

Against the median

Southern First BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Southern First Bank · $4.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$4.3B to $5.2B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Southern First Bank(this institution)	Greenville, SC	$4.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arrow Bank National Association	Glens Falls, NY	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar Harbor Bank & Trust	Bar Harbor, ME	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital City Bank	Tallahassee, FL	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carter Bank & Trust	Martinsville, VA	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Civista Bank	Sandusky, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Community Bank of Mississippi	Flowood, MS	$5.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community West Bank	Fresno, CA	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank Alaska	Anchorage, AK	$5.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Community Bank	Farmington, MO	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hills Bank and Trust Company	Hills, IA	$4.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hingham Institution for Savings	Hingham, MA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
HomeTrust Bank	Asheville, NC	$4.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
International Bank of Commerce	Brownsville, TX	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
PeoplesBank	Holyoke, MA	$4.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Bank	Poplar Bluff, MO	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Exchange Bank	Crowley, TX	$4.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fidelity Bank	Fuquay Varina, NC	$4.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
VeraBank, National Association	Henderson, TX	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Wheaton Bank & Trust, National Association	Wheaton, IL	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Southern First Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.88 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southern First Bank does not publish a monthly maintenance fee, so it is not on this chart.

Southern First BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Southern First Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $399K
vs prior quarter: +$27K+7.3%; from Q1 2026
vs a year earlier: +$103K+34.8%; from Q2 2025
vs start of range: +$141K+54.7%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Southern First Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$399K	+$27K	+7.3%
Q1 2026	$372K	+$59K	+18.8%
Q4 2025	$313K	−$2K	−0.6%
Q3 2025	$315K	+$19K	+6.4%
Q2 2025	$296K	−$2K	−0.7%
Q1 2025	$298K	+$22K	+8.0%
Q4 2024	$276K	+$18K	+7.0%
Q3 2024	$258K	+$5K	+2.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Southern First Bank’s own schedules, with a source for each figure.

Account Maintenance

Service fee (daily balance is less than $5,000)$15
Dormant Account Fee (monthly)$10
per month
Account Reconciliation/Balancing (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour
Opt-in to paper statements$5
per month
Paper Statement$5

Overdraft & NSF

Consumer Overdraft Paid Fee (per item)$5
per item

ATM & Card

ATM/Debit Card Replacement$6
ATM/Debit Card Emergency Rush Fee$25

Wire Transfers

Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email)$30
Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking)$20
Wire Transfers - Outgoing International$50

Check Services

Official Bank Check (Customers)$7
Stop Payment Fee (per stop payment)$36
per item
Check Copy (paper copy)$5

Account Services

Safe Deposit Box Lock Drill (both keys lost)$250
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key$50
Not compared: Box drilling or key fee
Levy/State Warrant/Garnishment (per legal process)$125
Deposit Verification$20

Gift & Prepaid Cards

Gift Cards (per card)$4
per item

Fee	Amount	Basis	Note
Account Maintenance
Service fee (daily balance is less than $5,000)	$15	Not stated	None
Dormant Account Fee (monthly)	$10	per month	None
Account Reconciliation/Balancing (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Opt-in to paper statements	$5	per month	None
Paper Statement	$5	Not stated	None
Overdraft & NSF
Consumer Overdraft Paid Fee (per item)	$5	per item	None
ATM & Card
ATM/Debit Card Replacement	$6	Not stated	None
ATM/Debit Card Emergency Rush Fee	$25	Not stated	None
Wire Transfers
Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email)	$30	Not stated	None
Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking)	$20	Not stated	None
Wire Transfers - Outgoing International	$50	Not stated	None
Check Services
Official Bank Check (Customers)	$7	Not stated	None
Stop Payment Fee (per stop payment)	$36	per item	None
Check Copy (paper copy)	$5	Not stated	None
Account Services
Safe Deposit Box Lock Drill (both keys lost)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key	$50Not compared: Box drilling or key fee	Not stated	None
Levy/State Warrant/Garnishment (per legal process)	$125	Not stated	None
Deposit Verification	$20	Not stated	None
Gift & Prepaid Cards
Gift Cards (per card)	$4	per item	None

Account Maintenance

Dormant Account Fee (monthly)$10
per month
Account Reconciliation/Balancing (per hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hour)$35
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Business Non-Sufficient Fund (NSF) / Overdraft Fee (per item)$38
per item

ATM & Card

ATM/Debit Card Replacement$6
ATM/Debit Card Emergency Rush Fee$25

Wire Transfers

Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email)$30
Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking)$20
Wire Transfers - Outgoing International$50

Check Services

Official Bank Check (Customers)$7
Stop Payment Fee (per stop payment)$36
per item
Check Copy (paper copy)$5

Account Services

Safe Deposit Box Lock Drill (both keys lost)$250
Not compared: Box drilling or key fee
Safe Deposit Box Replacement Key$50
Not compared: Box drilling or key fee
Levy/State Warrant/Garnishment (per legal process)$125
Deposit Verification$20

Gift & Prepaid Cards

Gift Cards (per card)$4
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee (monthly)	$10	per month	None
Account Reconciliation/Balancing (per hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hour)	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Business Non-Sufficient Fund (NSF) / Overdraft Fee (per item)	$38	per item	None
ATM & Card
ATM/Debit Card Replacement	$6	Not stated	None
ATM/Debit Card Emergency Rush Fee	$25	Not stated	None
Wire Transfers
Wire Transfers - Outgoing Domestic (initiated by phone, fax, or email)	$30	Not stated	None
Wire Transfers - Outgoing Domestic (initiated in person or through electronic banking)	$20	Not stated	None
Wire Transfers - Outgoing International	$50	Not stated	None
Check Services
Official Bank Check (Customers)	$7	Not stated	None
Stop Payment Fee (per stop payment)	$36	per item	None
Check Copy (paper copy)	$5	Not stated	None
Account Services
Safe Deposit Box Lock Drill (both keys lost)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Replacement Key	$50Not compared: Box drilling or key fee	Not stated	None
Levy/State Warrant/Garnishment (per legal process)	$125	Not stated	None
Deposit Verification	$20	Not stated	None
Gift & Prepaid Cards
Gift Cards (per card)	$4	per item	None

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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