Southern First Bancshares is a bank holding company that provides banking products and services to the general public in South Carolina, North Carolina, and Georgia. It operates through three segments: Commercial and Retail Banking, Mortgage Banking, and Corporate Operations. The company accepts various deposit products and offers a loan portfolio that includes commercial real estate loans, construction real estate loans, and consumer loans. It also provides other bank services such as internet banking, cash management, and mobile banking services. The company operates through eight retail offices in South Carolina, three in North Carolina, and one in Georgia.