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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