Homewood, AL · Cert 57993 · Servisfirst Bancshares Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
27
Asset Quality
40
Profitability
75
Liquidity
0
Efficiency
93
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.
Homewood, AL · Cert 57993 · Servisfirst Bancshares Inc.
State charter, non-member · FDIC · 33 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 9.3% share · #3 of 49 inst. · $5.0B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.41% | 1.42% | 1.42% | 1.45% | 1.58% | 1.86% | 1.88% | +46 bps | |
| Return on Equity | 14.03% | 14.53% | 15.00% | 14.57% | 14.61% | 15.69% | 17.45% | 17.46% | +289 bps | |
| Net Interest Margin | 2.61% | 2.63% | 2.80% | 2.91% | 2.94% | 3.00% | 3.35% | 3.38% | +47 bps | |
| Efficiency Ratio | 38.05% | 37.27% | 34.73% | 32.87% | 32.93% | 31.70% | 29.67% | 29.56% | -330 bps | |
| Non-Interest Burden | 0.86% | 0.85% | 0.85% | 0.82% | 0.83% | 0.78% | 0.82% | 0.81% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 7.57% | 18.54% | 8.28% | 6.90% | 2.16% | -2.50% | 5.56% | -272 bps | |
| Loan Growth (YoY) | 6.00% | 8.15% | 8.50% | 7.38% | 7.89% | 8.67% | 8.22% | 9.35% | +197 bps | |
| Deposit Growth (YoY) | 0.06% | 2.05% | 13.14% | 4.53% | 7.30% | 5.01% | 0.41% | 4.96% | +43 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.34% | 0.57% | 0.54% | 1.26% | 1.23% | 1.27% | 1.18% | +64 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.08% | 0.18% | 0.19% | 0.21% | 0.21% | 0.24% | 0.17% | -2 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.28% | 1.28% | 1.28% | 1.25% | 1.25% | 1.25% | -3 bps | |
| Allowance Coverage of NPLs | 4.1x | 3.9x | 2.2x | 2.4x | 1.0x | 1.0x | 1.0x | 1.1x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.89% | 9.94% | 9.81% | 10.11% | 10.34% | 10.41% | 10.87% | 11.09% | +98 bps | |
| Total Risk-Based Capital | 12.81% | 12.99% | 13.02% | 12.90% | 12.99% | 12.93% | 13.14% | 13.10% | +20 bps | |
| Equity / Assets | 9.90% | 9.66% | 9.27% | 10.25% | 10.47% | 10.60% | 10.68% | 10.94% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.76% | 92.99% | 89.24% | 95.46% | 94.27% | 96.23% | 96.19% | 99.45% | +399 bps | |
| Liquid Assets / Assets | 14.24% | 17.14% | 21.04% | 11.07% | 10.60% | 9.52% | 10.27% | 9.40% | -166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 468% | 466% | 460% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.85% | 1.00% | 1.26% | 1.54% | Beats 87% | 19 / 144 | ||
| Return on Equity | 16.89% | 8.98% | 11.34% | 14.40% | Beats 83% | 24 / 144 | ||
| Net Interest Margin | 3.38% | 2.82% | 3.31% | 3.68% | Beats 54% | 66 / 144 | ||
| Efficiency Ratio | 29.56% | 49.42% | 56.02% | 62.41% | Beats 93% | 11 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.48% | 0.73% | 1.07% | Beats 21% | 113 / 142 | ||
| Net Charge-Offs / Loans | 0.09% | 0.05% | 0.11% | 0.22% | Beats 59% | 59 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.01% | 12.07% | 12.98% | 14.92% | Beats 21% | 114 / 144 | ||
| Total Risk-Based Capital Ratio | 13.10% | 13.39% | 14.14% | 16.25% | Beats 17% | 119 / 144 | ||
| Equity / Assets | 10.94% | 9.69% | 11.39% | 12.96% | Beats 42% | 83 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.45% | 75.72% | 84.92% | 91.56% | 90th pctl | 15 / 143 | ||
| Loans / Assets | 79.01% | 59.83% | 69.07% | 74.80% | 88th pctl | 18 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||