Southern First Bancshares is a bank holding company. Through its subsidiary, Co. is engaged in the business of accepting demand deposits and savings deposits insured by the Federal Deposit Insurance Corporation, and providing commercial, consumer and mortgage loans to the general public. Co. provides a range of lending services, including real estate, commercial, and equity-line consumer loans to individuals and small- to medium-sized businesses and firms that are located in or conduct a substantial portion of their business in Co.'s market area. Co. also provides other bank services such as internet banking, cash management, safe deposit boxes, direct deposit, and automatic drafts.