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Servisfirst Bank

Homewood, AL · Cert 57993 · Servisfirst Bancshares Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Servisfirst Bank

Homewood, AL · Cert 57993 · Servisfirst Bancshares Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

$18.3BAssets
$14.5BLoans
$14.6BDeposits
$2.0BEquity
Loan mix
78%RE $10.7B22%C&I $3.0B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $11.6B21%Noninterest $3.0BQ2 2025Q2 2026

NIM

5.77%Q2 ’245.53%Q2 ’255.45%Q2 ’26+9%+16%

Non-interest income vs. expense

1.12%Q2 ’241.02%Q2 ’251.08%Q2 ’26-8%-1%

Market Position · Birmingham, AL · 2026 SOD (annual) · 9.3% share · #3 of 49 inst. · $5.0B of $53.8B

11.0% Jefferson
18.3% Montgomery
11.8% Madison
28.5% Houston

Executive Summary

  • Earnings: ROA of 1.88%, up 46 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.18% of loans (+64 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 11.09%, up 98 bps from a year ago.
  • Funding: loans stand at 99.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.88%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+47 bps YoY

Efficiency Ratio (YTD, annualized)

29.56%-330 bps YoY

Tier 1 Leverage Ratio

11.09%+98 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.45%1.58%1.86%1.88%+46 bps
Return on Equity14.57%14.61%15.69%17.45%17.46%+289 bps
Net Interest Margin2.91%2.94%3.00%3.35%3.38%+47 bps
Efficiency Ratio32.87%32.93%31.70%29.67%29.56%-330 bps
Non-Interest Burden0.82%0.83%0.78%0.82%0.81%-1 bps
Growth
Asset Growth (YoY)8.28%6.90%2.16%-2.50%5.56%-272 bps
Loan Growth (YoY)7.38%7.89%8.67%8.22%9.35%+197 bps
Deposit Growth (YoY)4.53%7.30%5.01%0.41%4.96%+43 bps
Asset Quality
Nonperforming Loans / Loans0.54%1.26%1.23%1.27%1.18%+64 bps
Net Charge-Offs / Loans0.19%0.21%0.21%0.24%0.17%-2 bps
Allowance / Loans1.28%1.28%1.25%1.25%1.25%-3 bps
Allowance Coverage of NPLs2.4x1.0x1.0x1.0x1.1x-1.3x
Capital
Tier 1 Leverage Ratio10.11%10.34%10.41%10.87%11.09%+98 bps
Total Risk-Based Capital12.90%12.99%12.93%13.14%13.10%+20 bps
Equity / Assets10.25%10.47%10.60%10.68%10.94%+70 bps
Liquidity & Funding
Loans / Deposits95.46%94.27%96.23%96.19%99.45%+399 bps
Liquid Assets / Assets11.07%10.60%9.52%10.27%9.40%-166 bps
CRE / Total Capitaln/a468%466%460%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Servisfirst Bank

Homewood, AL · Cert 57993 · Peer group: banks over $10B in assets (n=142-144) · Servisfirst Bancshares Inc.

State charter, non-member · FDIC · 33 branches

Q2 2026

$18.3BAssets
$14.5BLoans
$14.6BDeposits
$2.0BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 93% of banks over $10B in assets (rank 11 of 144).
  • Widest gap: total risk-based capital ratio trails 83% of banks over $10B in assets (rank 119 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.85%

Rank 19 of 144

Net Interest Margin

3.38%

Rank 66 of 144

Efficiency Ratio

29.56%

Rank 11 of 144

Equity / Assets

10.94%

Rank 83 of 144

Non-interest income vs. expense

$47.5M$194.1MINCOMEEXPENSE
Unfavorable gap of $146.6M · efficiency ratio beats 93% of banks over $10B in assets
Bank 29.56%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.85%1.00%1.26%1.54%Beats 87%19 / 144
Return on Equity16.89%8.98%11.34%14.40%Beats 83%24 / 144
Net Interest Margin3.38%2.82%3.31%3.68%Beats 54%66 / 144
Efficiency Ratio29.56%49.42%56.02%62.41%Beats 93%11 / 144
Asset Quality
Nonperforming Loans / Loans1.18%0.48%0.73%1.07%Beats 21%113 / 142
Net Charge-Offs / Loans0.09%0.05%0.11%0.22%Beats 59%59 / 142
Capital
Tier 1 Capital Ratio12.01%12.07%12.98%14.92%Beats 21%114 / 144
Total Risk-Based Capital Ratio13.10%13.39%14.14%16.25%Beats 17%119 / 144
Equity / Assets10.94%9.69%11.39%12.96%Beats 42%83 / 144
Liquidity & Funding
Loans / Deposits99.45%75.72%84.92%91.56%90th pctl15 / 143
Loans / Assets79.01%59.83%69.07%74.80%88th pctl18 / 144
Brokered Deposits / Depositsn/aNot reported for this institution