BlastPoint

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in AL.
  • Deposits +5.0% year over year ($14.6B on the books).
  • Delinquency rate 1.19%.
  • Return on assets 1.88%.
  • Efficiency ratio 29.56% vs a 53.67% peer average.
  • Loan-to-deposit ratio 98.20% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 2 in AL
View $10B-$250B leaderboard (AL) →

ServisFirst Bank has 2 strengths but faces 3 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 20.0% in tier
  • + Efficiency Ratio 24.11% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 48.6% in tier
  • - Net Interest Margin 0.36% below tier average
  • - Delinquency Rate 0.18% above tier average
Get updates when ServisFirst Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $18.3B
+5.6% YoY +1.0% QoQ
-$25.3B $43.6B
-13.8% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $14.3B
+9.4% YoY +3.8% QoQ
-$13.7B $28.0B
-8.6% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $14.6B
+5.0% YoY +0.4% QoQ
-$20.8B $35.4B
-14.0% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 1.88%
+32.5% YoY +1.0% QoQ
+0.49% 1.39%
+25.9% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 12.9% in tier
Net Interest Margin ? 3.56%
+18.0% YoY +2.0% QoQ
-0.36% 3.92%
+8.9% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 29.56%
-10.1% YoY -0.4% QoQ
-24.11% 53.67%
-1.9% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 6.5% in tier
Delinquency Rate ? 1.19%
+116.6% YoY -7.4% QoQ
+0.18% 1.01%
-2.8% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 98.20%
+4.2% YoY +3.4% QoQ
+15.59% 82.61%
+3.1% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 10.1% in tier
Non-Interest-Bearing Deposit Share ? 20.72%
+8.4% YoY +5.1% QoQ
+0.14% 20.58%
+4.9% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.96%
+129.8% YoY -3.8% QoQ
+0.23% 0.73%
+5.8% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 12.01%
+2.0% YoY -0.4% QoQ
-3.34% 15.35%
-0.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.13%
+30.2% YoY +116.9% QoQ
-0.37% 0.50%
+10.5% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 11.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 20.7%
+1.6pp YoY
+1.0pp QoQ
 -0.3pp 21.0% 24.0% 22.2% 39%
Brokered Deposits n/a n/a 9.2% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 21.2%
+0.1pp YoY
-0.6pp QoQ
 +4.0pp 17.2% 16.9% 12.5% 75%
CRE 65.4%
+0.1pp YoY
+0.9pp QoQ
 +23.3pp 42.0% 43.5% 41.4% 92%
1-4 Family 11.9%
-0.2pp YoY
-0.5pp QoQ
 -11.2pp 23.1% 30.6% 31.3% 20%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -12.4pp 12.9% 5.7% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.2pp YoY
-0.1pp QoQ
 -3.3pp 15.3% 15.1% 19.7% 22%
Leverage Ratio 11.1%
+1.0pp YoY
+0.2pp QoQ
 +0.7pp 10.4% 13.2% 12.6% 76%
Total Capital Ratio 13.1%
+0.2pp YoY
0.0pp QoQ
 -3.4pp 16.5% 16.2% 20.8% 18%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 684
+25 (+3.8%) YoY
+16 (+2.4%) QoQ
 -2,574 3,258 304 482 12%
Assets per Employee ($) $26.8M
+1.7% YoY
-1.4% QoQ
 -$210K $27.0M $6.9M $8.8M 84%
Branch Count 33
0 YoY
0 QoQ
 -105 137 20 18 30%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.4% 22%
Nonaccrual 1.2%
+0.7pp YoY
-0.1pp QoQ
 +0.5pp 0.7% 1.2% 1.0% 89%
Allowance Coverage 1.06x
-54.8% YoY
+8.8% QoQ
 -1.75x 2.81x 7.50x 20.23x 23%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.4% 0.3% 0.2% 54%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 17.5%
+2.9pp YoY
0.0pp QoQ
 +4.8pp 12.6% 10.0% 11.6% 86%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.2pp 2.0% 1.7% 1.7% 63%
Net Income ($, YTD) $169.6M
+34.7% YoY
— QoQ
 -$127.3M $296.8M $17.2M $40.4M 50%

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
#8 of 35 • Top 20.0% in tier

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

Why this signature
Return on Assets: 1.88%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Capital Thin

risk
#18 of 35 • Bottom 48.6% 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: 12.01%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 139 peers in $10B-$250B

Top Strengths (2 metrics)

10
Efficiency Ratio
profitability
Value: 29.56%
Peer Median: 53.67%
#10 of 139 Top 6.5% in $10B-$250B
19
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.39%
#19 of 139 Top 12.9% in $10B-$250B

Top Weaknesses (5 metrics)

126
Loan-to-Deposit Ratio
liquidity
Value: 98.20%
Peer Median: 82.61%
#126 of 139 Bottom 10.1% in $10B-$250B
124
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.50%
#124 of 139 Bottom 11.5% in $10B-$250B
116
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.73%
#116 of 139 Bottom 17.3% in $10B-$250B
110
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 1.01%
#110 of 138 Bottom 21.0% in $10B-$250B
110
Tier 1 Capital Ratio
capital
Value: 12.01%
Peer Median: 15.35%
#110 of 139 Bottom 21.6% in $10B-$250B
Powered by BlastPoint © 2026