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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.56% | 1.42% | 1.38% | 1.52% | 1.97% | 1.86% | 1.89% | +51 bps | |
| Return on Equity | 15.16% | 15.94% | 15.00% | 14.16% | 14.69% | 18.72% | 17.45% | 17.47% | +331 bps | |
| Net Interest Margin | 2.78% | 2.90% | 2.80% | 3.00% | 3.03% | 3.28% | 3.35% | 3.47% | +46 bps | |
| Efficiency Ratio | 36.58% | 35.19% | 34.73% | 31.12% | 33.04% | 28.54% | 29.67% | 29.46% | -166 bps | |
| Non-Interest Burden | 0.89% | 0.89% | 0.85% | 0.79% | 0.84% | 0.69% | 0.82% | 0.82% | +3 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 | 0.09% | 0.09% | 0.18% | 0.20% | 0.27% | 0.19% | 0.24% | 0.10% | -9 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 | |