ServisFirst Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.40 percentage points higher than in Q1 2026, at 309.25%. On loan-to-deposit ratio, ServisFirst Bank ranks 6th highest among the 93 banks headquartered in Alabama, at 99.45% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. ServisFirst Bank sits 12.62 points higher, at 99.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.49B |
| Net loans and leases | $14.31B |
| Loans held for sale | $14.9M |
| Loans to total assets | 79.01% |
| Loan-to-deposit ratio | 99.45% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.07% |
| Multifamily (5+ residential) | 9.67% |
| Commercial and industrial | 20.96% |
| Consumer | 0.48% |
| Credit cards | 0.10% |
| Farm | 0.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.25% |
| Construction concentration (Tier 1 capital + allowance) | 71.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $220.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $11.65B | $13.16B | 41.59% | 23.93% | 0.56% |
| Q4 2023 | $11.66B | $13.29B | 41.80% | 23.42% | 0.54% |
| Q1 2024 | $11.89B | $12.77B | 42.18% | 23.03% | 0.49% |
| Q2 2024 | $12.34B | $13.28B | 42.24% | 22.91% | 0.48% |
| Q3 2024 | $12.35B | $13.17B | 42.95% | 21.70% | 0.48% |
| Q4 2024 | $12.62B | $13.57B | 42.64% | 22.09% | 0.50% |
| Q1 2025 | $12.90B | $14.45B | 42.24% | 21.05% | 0.50% |
| Q2 2025 | $13.25B | $13.88B | 41.51% | 20.87% | 0.52% |
| Q3 2025 | $13.32B | $14.13B | 42.88% | 20.86% | 0.55% |
| Q4 2025 | $13.71B | $14.25B | 42.94% | 21.71% | 0.55% |
| Q1 2026 | $13.96B | $14.51B | 42.55% | 21.57% | 0.51% |
| Q2 2026 | $14.49B | $14.57B | 44.07% | 20.96% | 0.48% |
ServisFirst Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock ServisFirst Bank, freeSource: Call Report Schedule RC-C, 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)