ServisFirst Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.27 percentage points higher than in Q1 2026, at 102.84%. On return on assets, ServisFirst Bank ranks 9th highest among the 93 banks headquartered in Alabama, at 1.91% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. ServisFirst Bank sits 0.62 points higher, at 1.91% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.00% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 11.09% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.22% |
| Non-performing assets ratio | 0.99% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 8.41% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 102.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 17.47% |
| Net interest margin | 3.63% |
| Efficiency ratio | 29.38% |
| Yield on earning assets | 5.81% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.45% |
| Core deposits to total deposits | 93.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.44% |
| Securities to assets | 8.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.14% | 11.14% | 12.27% | 9.75% | 1.39% |
| Q4 2023 | 11.37% | 11.38% | 12.52% | 9.50% | 1.06% |
| Q1 2024 | 11.50% | 11.50% | 12.65% | 9.80% | 1.26% |
| Q2 2024 | 11.33% | 11.33% | 12.46% | 10.17% | 1.34% |
| Q3 2024 | 11.66% | 11.67% | 12.81% | 9.89% | 1.45% |
| Q4 2024 | 11.83% | 11.84% | 12.99% | 9.94% | 1.54% |
| Q1 2025 | 11.88% | 11.88% | 13.02% | 9.81% | 1.44% |
| Q2 2025 | 11.77% | 11.77% | 12.90% | 10.11% | 1.41% |
| Q3 2025 | 11.88% | 11.88% | 12.99% | 10.34% | 1.50% |
| Q4 2025 | 11.83% | 11.84% | 12.93% | 10.41% | 1.94% |
| Q1 2026 | 12.05% | 12.05% | 13.14% | 10.87% | 1.88% |
| Q2 2026 | 12.00% | 12.01% | 13.10% | 11.09% | 1.91% |
ServisFirst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock ServisFirst Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)