BlastPoint's Banking Scorecard

ServisFirst Bank

$10B-$250B Specialty: Commercial AL FDIC cert 57993

Birmingham, AL

33 branches across AL · FL · GA · NC · SC · TN · VA

135 banks in the $10B-$250B peer group nationally 2 in AL

ServisFirst Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 11.8% in tier
+ Efficiency Ratio 24.23% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.9% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Net Interest Margin 0.28% below tier average
- Delinquency Rate 0.27% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$18.2B -2.5% YoY +2.5% QoQ	-$29.2B	$47.4B -2.0% YoY	$2.5B +0.2% YoY	$6.2B +9.0% YoY	33%
Total Loans ?	$13.8B +8.3% YoY +1.8% QoQ	-$15.8B	$29.6B -0.4% YoY	$1.5B +2.4% YoY	$3.2B +10.7% YoY	40%
Total Deposits ?	$14.5B +0.4% YoY +1.9% QoQ	-$24.2B	$38.7B -1.6% YoY	$2.1B -0.2% YoY	$4.8B +8.0% YoY	31%
Return on Assets ?	1.86% +30.9% YoY +17.9% QoQ	+0.57%	1.28% +19.3% YoY	0.78% -19.5% YoY	1.24% +13.1% YoY	Top 9.6% in tier
Net Interest Margin ?	3.49% +21.1% YoY +9.7% QoQ	-0.28%	3.77% +5.6% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	29.67% -14.6% YoY -6.4% QoQ	-24.23%	53.90% -4.0% YoY	72.13% +5.1% YoY	66.84% -3.8% YoY	Top 8.1% in tier
Delinquency Rate ?	1.29% +122.3% YoY +3.4% QoQ	+0.27%	1.02% -4.1% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	94.99% +7.8% YoY -0.0% QoQ	+14.11%	80.88% +2.0% YoY	67.08% +2.0% YoY	76.69% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	19.72% +6.7% YoY +3.6% QoQ	-0.10%	19.82% +0.3% YoY	23.89% +0.0% YoY	22.01% -1.1% YoY	39%
Nonperforming Asset Ratio ?	1.00% +148.6% YoY +2.9% QoQ	+0.27%	0.73% +4.0% YoY	0.71% +24.8% YoY	0.66% +19.3% YoY	16%
Tier 1 Capital Ratio ?	12.05% +1.4% YoY +1.8% QoQ	-3.51%	15.56% -0.1% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.06% +34.3% YoY -75.7% QoQ	-0.17%	0.23% +0.9% YoY	0.16% -16.3% YoY	0.32% +4.0% YoY	16%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#5 of 34 • Top 11.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.86%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#2 of 34 • Bottom 2.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 12.05%

(Tier: 15.56%, National: 17.06%)

worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#19 of 36 • Bottom 50.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.99%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 29.67%

Peer Median: 53.90%

#12 of 135 Top 8.1% in $10B-$250B

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.28%

#14 of 135 Top 9.6% in $10B-$250B

Top Weaknesses (5 metrics)

115

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.23%

#115 of 135 Bottom 15.6% in $10B-$250B

115

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.73%

#115 of 135 Bottom 15.6% in $10B-$250B

113

Loan-to-Deposit Ratio

liquidity

Value: 94.99%

Peer Median: 80.88%

#113 of 135 Bottom 17.0% in $10B-$250B

110

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 1.02%

#110 of 134 Bottom 18.7% in $10B-$250B

104

Tier 1 Capital Ratio

capital

Value: 12.05%

Peer Median: 15.56%

#104 of 135 Bottom 23.7% in $10B-$250B