ServisFirst Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 51.4% in Q2 2026, from $517.8M to $251.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, ServisFirst Bank ranks 6th highest among the 93 banks headquartered in Alabama, at 99.45% (Q2 2026). ServisFirst Bank reported 99.45% on loan-to-deposit ratio for Q2 2026, 12.62 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.21B |
| Cash and noninterest-bearing balances to assets | 6.57% |
| Cash and securities | $2.84B |
| Fed funds sold and reverse repos | $251.4M |
| Fed funds sold and reverse repos to assets | 1.37% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $1.58B |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.45% |
| Net loans and leases to deposits | 98.20% |
| Loans and leases to core deposits | 106.14% |
| Core deposits to total deposits | 93.70% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.50% | 93.73% | $1.37B | $0 |
| Q4 2023 | 87.74% | 93.66% | $1.26B | $0 |
| Q1 2024 | 93.06% | 93.39% | $1.35B | $0 |
| Q2 2024 | 92.93% | 93.70% | $1.10B | $0 |
| Q3 2024 | 93.76% | 93.25% | $1.54B | $0 |
| Q4 2024 | 92.99% | 93.05% | $1.99B | $0 |
| Q1 2025 | 89.24% | 93.15% | $2.36B | $0 |
| Q2 2025 | 95.46% | 93.01% | $1.60B | $0 |
| Q3 2025 | 94.27% | 93.28% | $1.49B | $0 |
| Q4 2025 | 96.23% | 92.84% | $1.47B | $0 |
| Q1 2026 | 96.19% | 93.10% | $1.55B | $0 |
| Q2 2026 | 99.45% | 93.70% | $1.58B | $0 |
ServisFirst Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock ServisFirst Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full ServisFirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57993) · FFIEC NIC profile (RSSD 3348888)