Southern First Bancshares operates as the holding company for Southern First Bank that provides various banking products and services to general public. It accepts various deposit products that include checking accounts, commercial checking accounts, savings accounts and other time deposits. The Company’s loan portfolio comprises commercial real estate loans, construction real estate loans, commercial business loans for various lines of businesses, such as the manufacturing, service industry and professional service areas, consumer real estate and home equity loans, and other consumer loans, including secured and unsecured installment loans and revolving lines of credit.