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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Alabama, the state note

Servisfirst Bank

Birmingham, Alabama · $18.34B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

99.5%
Loans / deposits
12th of 12
29.6%
Efficiency
1st of 12
10.9%
Equity / assets
11th of 12

Servisfirst Bank is the ninth largest of the 12 the South Central states banks nearest its size over $10B, with $18.34B in assets at 30 June 2026. Loans are 99.5% of deposits, the highest in the cohort against a median of 90.8%, and equity is 10.9% of assets, 11th of 12. Loans grew +9.3% in the year, 4th of 12, and deposits grew 5.0%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.18% of the book, 11th of 12 against a median of 0.92%; 0.10% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.17% of loans, 7th of 12. Commercial real estate is 46.1% of loans, 9th of 12 against a median of 36.9%, and 307% of capital, above the 300% screen, with construction at 72% against the 100% screen.

Return on assets is 1.88%, 2nd of 12 against a median of 1.39%, on an efficiency ratio of 29.6%, the lowest in the cohort. Five years ago it was 1.60%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 18.4% of loans).

Loans as a share of depositsSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 90.8% HW Hancock Whitney Bank 82.4% AB Arvest Bank 83.2% CB Centennial Bank 87.1% TB Trustmark Bank 87.6% RB Renasant Bank 87.7% SB Simmons Bank 90.7% F Firstbank 90.9% OB Origin Bank 92.6% SY Stock Yards Bank & Trust Co. 93.0% FH First Horizon Bank 95.7% BO Bank Ozk 95.8% SB Servisfirst Bank 99.5%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Servisfirst Bank is the 13th largest 7(a) lender into Alabama of 277, with $66M across 84 loans, 1.7% of everything approved in the state (Live Oak Banking Company leads with $371M). 22 of its 32 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Alabama, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Jefferson, AL$31M5th of 1284.3%-5.1 pts
Escambia, FL$12M5th of 1003.3%-4.5 pts
Shelby, AL$7M17th of 802.3%+1.2 pts
Davidson, TN$5M31st of 1640.6%quiet FY2019
Madison, AL$5M16th of 1041.7%thin
Blount, AL$5M1st of 2324.9%quiet FY2022
Saint Clair, AL$5M2nd of 3812.0%quiet FY2013
Baldwin, AL$5M18th of 841.7%-4.2 pts
Greenville, SC$5M35th of 1250.6%thin
Okaloosa, FL$4M22nd of 861.4%thin
Neshoba, MS$3M6th of 193.9%quiet FY2021
Gwinnett, GA$3M92nd of 1690.1%quiet FY2015
Dorchester, SC$2M14th of 582.1%thin
19 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services24$21M19.3%0.03%374th of 2,596
Construction18$17M15.0%0.05%272nd of 2,063
Wholesale trade11$13M12.0%0.05%246th of 1,651
Manufacturing10$11M10.4%0.03%421st of 2,246
Retail trade16$11M10.2%0.02%448th of 2,589
7(a) lenders into Alabama, share of approvals since FY2008277 lenders on record; the ten largest and Servisfirst Bank
LO Live Oak Banking Company 9.8% $371M · 254 loans PB Pinnacle Bank 4.2% $160M · 157 loans TH The Huntington National Bank 4.1% $156M · 288 loans PB PNC Bank, National Association 4.1% $154M · 1,039 loans RB Regions Bank 3.7% $139M · 234 loans MC Metro City Bank 3.0% $115M · 113 loans FF First Financial Bank 2.7% $101M · 160 loans UC United Community Bank 2.5% $94M · 126 loans SB Southstate Bank, National Associa… 2.4% $91M · 99 loans WF Wells Fargo Bank National Associa… 2.2% $83M · 613 loans SB Servisfirst Bank 1.7% $66M · 84 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Servisfirst BankRankCohort median
Total CRE against capital, the 300% screen307%11th of 12252%
Construction against capital, the 100% screen72%9th of 1267%
Construction and land development, share of loans10.8%9th of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans25.7%11th of 1221.4%
Total CRE, the guidance definition, share of loans46.1%9th of 1236.9%
CRE growth over 36 months, the third prong+34.0%9th of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Servisfirst BankCohort median
20212026Change20212026Change
Loans$8.66B$14.49B+67%$10.62B$17.56B+65%
Deposits$10.97B$14.57B+33%$14.43B$19.75B+37%
NPA / loans0.20%1.18%+0.98 pts0.61%0.92%+0.31 pts
Efficiency27.9%29.6%+1.6 pts62.9%55.5%-7.4 pts
ROA1.60%1.88%+0.28 pts1.40%1.39%-0.01 pts

This read was prepared for Servisfirst Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Servisfirst Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution WWW.SERVISFIRSTBANK.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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