ServisFirst Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.63% against 3.49%. It was the largest change among the key lines on this page. ServisFirst Bank ranks 63rd of 93 Alabama banks on net interest margin, in the lower half at 3.63% (Q2 2026). The median for banks in the $10B-100B asset tier is 3.60% on net interest margin; ServisFirst Bank reported 3.63% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.12% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $220.7M |
| Total interest expense | $93.9M |
| Interest expense on deposits | $79.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.70% | 2.90% | 2.68% |
| Q4 2023 | 5.85% | 3.15% | 2.61% |
| Q1 2024 | 5.86% | 3.07% | 2.66% |
| Q2 2024 | 5.98% | 3.06% | 2.80% |
| Q3 2024 | 6.16% | 3.19% | 2.88% |
| Q4 2024 | 5.91% | 2.82% | 3.00% |
| Q1 2025 | 5.61% | 2.64% | 2.89% |
| Q2 2025 | 5.78% | 2.61% | 3.10% |
| Q3 2025 | 5.87% | 2.67% | 3.13% |
| Q4 2025 | 5.85% | 2.35% | 3.42% |
| Q1 2026 | 5.67% | 2.11% | 3.49% |
| Q2 2026 | 5.81% | 2.12% | 3.63% |
ServisFirst Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock ServisFirst Bank, freeSource: Call Report Schedules RI and RC-K, 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)