Results of Operations and Financial Condition. On October 20, 2026, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended September 30, 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. The Board of Directors of Southern First Bancshares, Inc. (the “Company”) announced the authorization for the repurchase of up to $10.0 million of the Company’s common stock, or approximately 2%, under a share repurchase plan. Under the repurchase plan, the Company may repurchase shares from time to time by means of, among other means, open market purchases and in solicited and unsolicited privately negotiated transactions. The actual means and timing of any purchases, quantity…

Results of Operations and Financial Condition. On July 21, 2026, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended June 30, 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Director — Mr. Bryan Kennedy: Mr. Bryan Kennedy was appointed as a director due to his extensive commercial banking and public company board experience.

Results of Operations and Financial Condition. On April 21, 2026, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Entry Into a Material Definitive Agreement. On April 15, 2026, Southern First Bancshares, Inc. (the “Company”) and its wholly owned bank subsidiary, Southern First Bank, a South Carolina state bank (the “Bank”), entered into an Underwriting Agreement (the “Underwriting Agreement”) with Piper Sandler & Co., as representative of the several underwriters named therein (the “Underwriters”), including Keefe, Bruyette & Woods, Inc., relating to the offer and sale of 1,050,000 shares of the Company’…

Results of Operations and Financial Condition. On April 15, 2026, Southern First Bancshares, Inc. (the “Company”) filed with the Securities and Exchange Commission (the “SEC”) a preliminary prospectus supplement (the “Preliminary Prospectus Supplement”) in connection with an underwritten public offering of shares of the Company’s common stock. The Preliminary Prospectus Supplement contains preliminary estimated unaudited financial results of the Company as of and for the three months ended Ma…

Entry into a Material Definitive Agreement. On March 5, 2026, Southern First Bancshares, Inc. (the “Company”) entered into a Modification of Loan (the “Modification Agreement”) amending both the Loan Agreement (“Loan Agreement”) and the Promissory Note (the “Promissory Note”), each dated as of December 28, 2023, by and between the Company and TIB, National Association (the “Lender”). The Loan Agreement and Promissory Note provide for a revolving multiple advances loan of up to an aggregate pr…

Creation of a Direct Financial Obligation. The relevant disclosure set forth in

Results of Operations and Financial Condition. On January 22, 2026, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended December 31, 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On October 28, 2025, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended September 30, 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On July 22, 2025, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended June 30, 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Other Events. The Board of Directors of Southern First Bancshares, Inc. (the "Company") announced the authorization for the repurchase of up to $5MM of capital, or approximately 2%, of the Company’s common stock under a share repurchase plan. Under the repurchase plan, the Company may repurchase shares from time to time by means of, among other means, open market purchases and in solicited and unsolicited privately negotiated transactions. The actual means and timing of any purchases, quantit…

Director — Ms. Jennifer S. Cluverius, Mr. Darrin Goss, Sr., and Mr. William M. McClatchey, Jr.: Three new directors were appointed to the Board of Directors of Southern First Bancshares, Inc. and Southern First Bank.

Results of Operations and Financial Condition. On April 22, 2025, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Chief Risk Officer — William M. Aiken, III: Mr. Aiken resigned from his roles with the company.

Results of Operations and Financial Condition. On January 28, 2025, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended December 31, 2024. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Chief Accounting Officer / Principal Accounting Officer — Julie A. Fairchild: Ms. Julie A. Fairchild has been promoted to Chief Accounting Officer and Principal Accounting Officer.

Results of Operations and Financial Condition. On October 22, 2024, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended September 30, 2024. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On July 18, 2024, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended June 30, 2024. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Results of Operations and Financial Condition. On April 18, 2024, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2024. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Chief Financial Officer — D. Andrew Borrmann: Mr. Borrmann resigned from his roles as CFO, marking a significant departure.

Results of Operations and Financial Condition. On January 18, 2024, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended December 31, 2023. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

Entry into a Material Definitive Agreement. On December 28, 2023, Southern First Bancshares, Inc. (the "Company") entered into a Loan Agreement (the "Loan Agreement") with TIB, National Association (the "Lender") providing for a revolving multiple advances loan of up to an aggregate principal amount of $15,000,000. This Loan Agreement replaces a similar facility held with another institution which matured on December 20, 2023. Borrowings under the Loan Agreement accrue interest at The Wall St…

Creation of a Direct Financial Obligation. The relevant disclosure set forth in