ServisFirst Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at ServisFirst Bank. Its balance sheet stood at $18.3 billion at June 30, 2026, up 5.6% from a year earlier; it is based in Homewood, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.18% of loans from 0.51% a year earlier. It spends about 29 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). On the other hand, it holds about two-thirds of its deposits (66%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 38.6%).
Earnings jumped: net income for the quarter was $86 million, 39% above the same quarter a year earlier. Over the same year, loans grew 9.3% and deposits grew 5.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, ServisFirst Bank reported a CET1 capital ratio of 12.00%, a return on assets of 1.91%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 8.08%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2500 Woodcrest Pl, Homewood, AL 35209
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 2, 2005
- Offices
- 34 domestic
- Employees (FTE)
- 684
- Domestic deposits
- $14.57B
- Allowance for credit losses
- $181.9M
- Net charge-offs (YTD)
- $12.1M
- Average total assets
- $18.02B
- Average total loans
- $14.24B
- Average interest-bearing deposits
- $13.24B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 2, 2005
- FDIC Cert
- 57993
- Fed RSSD
- 3348888
- SEC CIK
- 1430723 → filed by SERVISFIRST BANCSHARES, INC.
- Website
- WWW.SERVISFIRSTBANK.COM →
- Parent Holding Company
- SERVISFIRST BANCSHARES, INC. (RSSD 3635319) · SFBS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas A Broughton | CEO | Chairman, President, & CEO |
| Sparacio David Anthony | CFO | CFO, EVP |
| Rushing Rodney Eldon | COO | COO, EVP |
| Harper James Hannon | CCO | CCO, SVP |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full ServisFirst Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock ServisFirst Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
ServisFirst Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for ServisFirst Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.00% | 1.91% | 1.22% | 8.08% | 3.63% |
| Q1 2026 | 12.05% | 1.88% | 1.38% | 8.61% | 3.49% |
| Q4 2025 | 11.83% | 1.94% | 1.45% | 8.42% | 3.42% |
| Q3 2025 | 11.88% | 1.50% | 1.47% | 8.43% | 3.13% |
| Q2 2025 | 11.77% | 1.41% | 0.60% | 3.53% | 3.10% |
| Q1 2025 | 11.88% | 1.44% | 0.66% | 3.75% | 2.89% |
| Q4 2024 | 11.83% | 1.54% | 0.48% | 2.16% | 3.00% |
| Q3 2024 | 11.66% | 1.45% | 0.43% | 2.04% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| ServisFirst Bank (main office) | Birmingham , AL | 35209 | $4.80B |
| Montgomery Main Branch | Montgomery , AL | 36104 | $1.31B |
| Huntsville Main Branch | Huntsville , AL | 35801 | $1.08B |
| Dothan Branch | Dothan , AL | 36305 | $1.04B |
| Nashville Branch | Nashville , TN | 37203 | $825.4M |
| Galleria Branch | Atlanta , GA | 30339 | $759.0M |
| Mobile Branch | Mobile , AL | 36602 | $645.3M |
| Sarasota Branch | Sarasota , FL | 34236 | $618.7M |
| Pensacola Branch | Pensacola , FL | 32502 | $569.8M |
| Tampa Bay Branch | Tampa , FL | 33607 | $565.3M |
| Douglasville Branch | Douglasville , GA | 30135 | $325.7M |
| Charleston Branch | Charleston , SC | 29403 | $251.2M |
| Huntsville - Research Park | Huntsville , AL | 35806 | $210.0M |
| Tallahassee Branch | Tallahassee , FL | 32308 | $156.7M |
| Fairhope Branch | Fairhope , AL | 36532 | $119.4M |
| Birmingham Downtown Branch | Birmingham , AL | 35203 | $118.6M |
| Cornelius Branch | Cornelius , NC | 28031 | $118.6M |
| Memphis Branch | Memphis , TN | 38119 | $112.7M |
| Maitland Branch | Maitland , FL | 32751 | $107.6M |
| Ft Walton Beach Branch | Fort Walton Beach , FL | 32547 | $102.5M |
| Virginia Beach Branch | Virginia Beach , VA | 23462 | $86.9M |
| Summerville Branch | Summerville , SC | 29483 | $79.7M |
| Charlotte Branch | Charlotte , NC | 28277 | $76.1M |
| Spring Hill Branch | Mobile , AL | 36608 | $64.2M |
| Panama City Branch | Panama City , FL | 32405 | $64.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2015 | Structure Change | Acquired Metro Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for ServisFirst Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.6% of deposits in AL, rank 4 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,812 applications, 1,464 loans originated, $889.2M originated, across 24 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $4.9M approved, $816K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q1 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about ServisFirst Bank
What are ServisFirst Bank's total assets?
As of the Q2 2026 filing, ServisFirst Bank reported total assets of $18.34 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is ServisFirst Bank headquartered?
ServisFirst Bank is headquartered in Homewood, AL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was ServisFirst Bank founded?
ServisFirst Bank was established in 2005, per the FDIC institution directory.
Is ServisFirst Bank FDIC-insured?
Yes. ServisFirst Bank is an FDIC-insured commercial bank (FDIC Certificate #57993). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates ServisFirst Bank?
ServisFirst Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is ServisFirst Bank's CET1 capital ratio?
ServisFirst Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.00% in its Q2 2026 call report, above regulatory requirements.
How many branches does ServisFirst Bank operate?
ServisFirst Bank operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is ServisFirst Bank's Texas Ratio?
ServisFirst Bank's Texas Ratio is 8.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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