ServisFirst Bank
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Data as of · sourced from FFIEC call reports. How we update
ServisFirst Bank is an FDIC-insured commercial bank headquartered in Homewood, AL, established in 2005 (FDIC certificate 57993), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $18.34B, up 5.6% from Q2 2025, the 2nd largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 12.00% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57993
- Headquarters
- Homewood, AL
- Established
- 2005
- Total assets, Q2 2026
- $18.34B
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 12.00%
- Domestic offices
- 33 FDIC institution directory, current count
- Routing number
- 062006505
- Latest call report
- Q2 2026, FFIEC 041 · ServisFirst Bank call report
- Holding company
- SERVISFIRST BANCSHARES, INC.
- Asset rank in state
- 2nd of 93 in Alabama
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, ServisFirst Bank is the 2nd largest of the 93 banks headquartered in Alabama. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $18.34B, loans rose 3.8% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 25.7% of total loans, followed by commercial and industrial loans at 21.0%. Its 33 offices in the FDIC Summary of Deposits are in 27 cities across 7 states; its Birmingham 2 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, ServisFirst Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 33 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
ServisFirst Bank's total assets moved between a low of $15.72B (Q1 2024) and a high of $18.64B (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$18.34B total assets against $17.38B; $16.34B total liabilities against $15.60B.
$14.31B net loans and leases against $13.08B; $14.57B total deposits against $13.88B.
$1.63B securities against $1.91B; $1.21B cash and balances due against $1.38B.
$249.9M total interest income against $246.6M; $93.9M total interest expense against $114.3M.
$156.0M net interest income against $132.4M.
$12.9M total noninterest income against $9.0M; $49.8M total noninterest expense against $44.0M.
$11.4M provision for credit losses against $11.3M.
$86.2M net income against $62.1M.
1.91% return on assets against 1.41%; 3.63% net interest margin against 3.10%.
12.00% CET1 capital ratio against 11.77%; 11.09% tier 1 leverage ratio against 10.11%.
Inside the full ServisFirst Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 44 of 3,606, for efficiency ratio; its furthest is 1,711 of 2,134, for CET1 ratio.
Metric pages for ServisFirst Bank: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.41% (Q2 2025) to 1.94% (Q4 2025) and its net interest margin ran from 2.88% (Q3 2024) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.00% | 1.91% | 1.18% | 8.08% | 3.63% |
| Q1 2026 | 12.05% | 1.88% | 1.27% | 8.61% | 3.49% |
| Q4 2025 | 11.83% | 1.94% | 1.23% | 8.42% | 3.42% |
| Q3 2025 | 11.88% | 1.50% | 1.26% | 8.43% | 3.13% |
| Q2 2025 | 11.77% | 1.41% | 0.54% | 3.53% | 3.10% |
| Q1 2025 | 11.88% | 1.44% | 0.57% | 3.75% | 2.89% |
| Q4 2024 | 11.83% | 1.54% | 0.34% | 2.16% | 3.00% |
| Q3 2024 | 11.66% | 1.45% | 0.32% | 2.04% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 33 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is ServisFirst Bank headquartered?
It is headquartered in Homewood, AL, United States.
When was ServisFirst Bank founded?
It was established in 2005, per the FDIC institution directory.
Is ServisFirst Bank FDIC-insured?
Yes. It 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.
What is ServisFirst Bank's CET1 capital ratio?
It 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?
It operates 33 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?
Its Texas Ratio is 8.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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