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ServisFirst Bank
Birmingham, AL·FDIC Cert #57993·Charter: STATE·Est. 20050502.0·HC: SERVISFIRST BANCSHARES INC
Total Assets
$17.7B
Q4 2025
Return on Assets
1.58%
+0.13%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
31.70%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.58%+0.13
ROE
15.69%+1.08
Efficiency
31.70%-1.23
Equity/Assets
0.00%+0.00
NPL Ratio
1.25%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.03%+1.96
Charge-offs
0.21%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.4 | 1.4 | 1.6 |
| ROE | 13.3 | 13.5 | 14.0 | 14.5 | 15.0 | 14.6 | 14.6 | 15.7 |
| Efficiency | 41.2 | 38.9 | 38.1 | 37.3 | 34.7 | 32.9 | 32.9 | 31.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.6 | 0.6 | 1.3 | 1.2 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 91.8 | 91.7 | 92.5 | 91.8 | 88.1 | 94.2 | 93.1 | 95.0 |
Balance Sheet
Total Assets$17.7B
Total Deposits$14.2B
Total Loans$13.5B
Total Equity$1.9B
Profitability
ROA1.58%
ROE15.69%
Efficiency Ratio31.70%
Net Income$279.4M
Risk & Asset Quality
NPL Ratio1.25%
Charge-off Rate0.21%
Loan/Deposit95.03%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans