ServisFirst Bank
Birmingham, Alabama, Jefferson County
$18.3B in total assets, the 114th largest of 4,309 US banks and 2nd of 93 headquartered in Alabama.
- FDIC certificate
- 57993
- Established
- 2005
- Owned by
- Servisfirst Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.SERVISFIRSTBANK.COM
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $18.3B | 39% | $22.5B | |
| Loans | $14.5B | 50% | $14.4B | |
| Deposits | $14.6B | 37% | $18.4B | |
| Return on assets | 1.81% | 88% | 1.29% | |
| Net interest margin | 3.56% | 45% | 3.62% | |
| Efficiency ratio | 29.6% | 6% | 55.2% | |
| Equity to assets | 10.94% | 39% | 11.60% | |
| Loans to deposits | 99% | 86% | 87% |
Growth
Total assets grew 6.8% a year over the last 5 years and 12.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2015 | Metro Bank Douglasville, GA | $210M |
Where they operate
33 branches in 25 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Jefferson County, AL | $4.9B | 11.0% | 3 of 39 |
| Montgomery County, AL | $1.3B | 18.3% | 2 of 20 |
| Madison County, AL | $1.3B | 11.8% | 2 of 35 |
| Houston County, AL | $1.1B | 28.5% | 1 of 14 |
| Davidson County, TN | $825M | 1.2% | 13 of 35 |
| Cobb County, GA | $759M | 2.5% | 8 of 25 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 16 branches since 2016 (17 to 33, +94.1%). 18 opened, 0 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Opened Nashville | 1 | 0 | +1 | 18 |
| 2017 | Opened Tampa | 1 | 0 | +1 | 19 |
| 2018 | Opened Fairhope | 1 | 0 | +1 | 20 |
| 2020 | Opened Fort Walton Beach | 1 | 0 | +1 | 21 |
| 2021 | Opened Summerville and VeniceClosed Kennesaw | 2 | 1 | +1 | 22 |
| 2022 | Opened Columbus and Tallahassee | 2 | 0 | +2 | 24 |
| 2023 | Opened 5 in 3 states | 5 | 0 | +5 | 29 |
| 2024 | Opened 3 in 3 states | 3 | 0 | +3 | 32 |
| 2025 | Opened Sarasota | 1 | 0 | +1 | 33 |
| 2026 through Q2 | Opened Panama CityClosed Panama City | 1 | 1 | 0 | 33 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 44% | 25% | |
| Business (C&I) | 21% | 17% | |
| 1-4 family residential | 12% | 21% | |
| Construction and land | 11% | 6% | |
| Multifamily | 10% | 8% | |
| Farmland | 1% | 1% | |
| Agricultural | 1% | 1% | |
| Consumer | 0% | 10% | |
| Other | 1% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 71% | 62% | |
| Noninterest-bearing | 21% | 20% | |
| Time deposits | 9% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.18% | 0.63% |
| Net charge-offs, annualized | 0.17% | 0.14% |
| Reserves to loans | 1.25% | 1.14% |
| Leverage ratio | 11.09% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Alabama
Largest competitors in Jefferson County, AL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/servisfirst