ServisFirst Bank
ServisFirst Bank reported total assets of $18.3 bn at Q2 2026, up 5.6% on a year earlier, the 110th largest of 497 banks in our US coverage. The CET1 capital ratio at ServisFirst Bank was 12.00%, and the uninsured share of ServisFirst Bank was 66.41%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, ServisFirst Bank slipped from 256th to 390th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- ServisFirst Bank has one of the highest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 66.41% at , against a median of 38.56% across 126 banks (FDIC Call Reports).
- The efficiency ratio of ServisFirst Bank, 29.56% at , places ServisFirst Bank in the bottom tenth of banks of $10 bn to $100 bn (group median 55.14%; FDIC Call Reports).
What sets ServisFirst Bank apart
- Few banks of $10 bn to $100 bn report a higher loan-to-deposit ratio than ServisFirst Bank, at 98.20% in against a group median of 85.69%.
How large is ServisFirst Bank?
The balance sheet of ServisFirst Bank at : assets $18.3 bn, deposits $14.6 bn, net loans $14.3 bn (loans equal to 98.20% of deposits). Securities make up 8.9% of total assets at ServisFirst Bank. Since , when ServisFirst Bank held $5.4 bn, its assets grew 241.1%. In the year to , deposits at ServisFirst Bank rose 5.0% while its total assets rose 5.6%. At , ServisFirst Bank employed 684 full-time equivalent staff across 33 offices, about $26.8 mn of assets per employee and $441.6 mn of deposits per office.
How much funding at ServisFirst Bank is uninsured?
At ServisFirst Bank, uninsured deposits (above the FDIC limit) made up 66.41% of domestic deposits at (-0.45 pp on a year earlier); ServisFirst Bank ranks 17th of 500 on this measure. In dollars, ServisFirst Bank estimated $9.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $14.6 bn | +5.0% | 113th of 499 |
| Net loans and leases | $14.3 bn | +9.4% | 96th of 500 |
| Loan-to-deposit ratio | 98.20% | +3.97 pp | 77th of 500 |
| Tier 1 leverage ratio | 11.09% | +0.98 pp | 161st of 500 |
| Total risk-based capital ratio | 13.10% | +0.20 pp | 347th of 448 |
| Net interest margin | 3.56% | +0.54 pp | 276th of 500 |
| Return on assets (ROA) | 1.88% | +0.46 pp | 67th of 500 |
| Efficiency ratio | 29.56% | -3.30 pp | 22nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $45.2 mn | Narrowed by $11.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $5.2 mn | Narrowed by $18.9 mn | |
| Noncurrent loans to total loans | 1.18% | +0.64 pp | 390th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.17% | -0.02 pp | 325th of 500 (1 = lowest) |
US rank of ServisFirst Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
ServisFirst Bank: assets, deposits and loans
- Total assets $18.3bn
- Deposits $14.6bn
- Net loans $14.3bn
Capital and securities
The CET1 ratio of ServisFirst Bank stood at 12.00% in , +0.23 pp year on year. Low and high at ServisFirst Bank since : 9.87% () to 12.06% (). Equity capital of ServisFirst Bank at : $2.0 bn, or 10.9% of total assets. ServisFirst Bank also reported a total capital ratio of 13.10% for , and a tier 1 leverage ratio of 11.09%.
On held-to-maturity securities, ServisFirst Bank carried an unrealized loss of $45.2 mn at , equal to 2.3% of equity capital. The loss narrowed by $11.3 mn over the year. Its deepest point: $114.2 mn in . The available-for-sale portfolio of ServisFirst Bank showed an unrealized loss of $5.2 mn at ; the loss narrowed by $18.9 mn over the year.
ServisFirst Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
ServisFirst Bank: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity -$45mn
Profitability and loan quality
For the year to , ServisFirst Bank earned a return on equity of 17.46%; return on assets: 1.88%. Net interest margin at ServisFirst Bank: 3.56%, +0.54 pp in a year. ServisFirst Bank net income: $169.6 mn, up 34.7% year on year. The efficiency ratio of ServisFirst Bank was 29.56%: about 30 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 1.18% of total loans at ServisFirst Bank; net charge-offs: 0.17% of average loans. Gross loans and leases at ServisFirst Bank: $14.5 bn, up 9.3% in a year.
ServisFirst Bank: profitability
- Return on equity 17%
- Net interest margin 3.6%
- Return on assets 1.9%
Peer group of ServisFirst Bank
The peer group of ServisFirst Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of ServisFirst Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Alabama. Against them, ServisFirst Bank shows CET1 ratio 12.00% against a peer median of 13.65%, return on equity 17.46% against a peer median of 10.57% and uninsured deposit share 66.41% against a peer median of 38.68%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| FirstBank Puerto Rico | State nonmember bank | PR | $19.2 bn | 15.96% | 18.97% | 48.20% | |
| Trustmark Bank | State member bank | MS | $19.2 bn | 12.43% | 11.39% | 37.02% | |
| Bank of Hope | State nonmember bank | CA | $19.0 bn | 12.65% | 5.90% | 40.33% | |
| ServisFirst Bank | State nonmember bank | AL | $18.3 bn | 12.00% | 17.46% | 66.41% | |
| Busey Bank | State member bank | IL | $18.1 bn | 14.65% | 9.75% | 43.03% | |
| Third Federal Savings and Loan Association of Cleveland | Federal savings bank | OH | $18.1 bn | 15.73% | 6.13% | 3.91% | |
| Community Bank | National bank | NY | $17.4 bn | 11.72% | 12.54% | 31.51% | |
. FDIC Call Reports.
Last eight quarters
Two years at ServisFirst Bank, to : assets +11.5%, deposits +10.7%, equity +23.3%. Staff 621 to 684; offices 30 to 33.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $16.4 bn | $17.4 bn | $18.6 bn | $17.4 bn | $17.6 bn | $17.7 bn | $18.2 bn | $18.3 bn |
| Total deposits | $13.2 bn | $13.6 bn | $14.5 bn | $13.9 bn | $14.1 bn | $14.2 bn | $14.5 bn | $14.6 bn |
| Bank equity capital | $1.6 bn | $1.7 bn | $1.7 bn | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn | $2.0 bn |
| CET1 ratio | 11.66% | 11.83% | 11.88% | 11.77% | 11.88% | 11.83% | 12.05% | 12.00% |
| Return on equity (ROE) | 14.03% | 14.53% | 15.00% | 14.57% | 14.61% | 15.69% | 17.45% | 17.46% |
| Uninsured share of domestic deposits | 66.34% | 66.60% | 67.89% | 66.86% | 66.94% | 67.99% | 66.19% | 66.41% |
| Full-time equivalent employees | 621 | 621 | 636 | 659 | 650 | 666 | 668 | 684 |
| Number of offices | 30 | 32 | 33 | 33 | 33 | 33 | 33 | 33 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by ServisFirst Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of ServisFirst Bank?
ServisFirst Bank reported $18.3 bn at in its Call Report. That makes ServisFirst Bank the 110th largest of 497 banks in our US coverage.
Is ServisFirst Bank the same as its holding company?
No. This page covers ServisFirst Bank, FDIC certificate 57993; ServisFirst Bancshares, Inc., its holding company, reports separately to the Federal Reserve.
Is ServisFirst Bank profitable?
ServisFirst Bank reported net income of $169.6 mn for the year to ; annualized return on equity: 17.46%. So yes: ServisFirst Bank made a profit over these months.
When is data for ServisFirst Bank next updated?
Figures from ServisFirst Bank for are due after .
Where can I check the figures for ServisFirst Bank?
In the FDIC BankFind Suite record for certificate 57993, and in the Call Reports of ServisFirst Bank (RSSD ID 3348888) at the FFIEC Central Data Repository.