FDIC Cert #57993 · Birmingham, Alabama · Est. 2005

ServisFirst Bank - FDIC Bank Health Profile

A community-scale look at ServisFirst Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$17.7B
Total assets
A
Health grade · Excellent
1.58%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

ServisFirst Bank earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.83% Tier 1, profitable at 1.58% ROA, efficient (32% cost ratio).

#112
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.83%
Tier 1 ratio - above the 10% well-capitalized line
77th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57993 · AL A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1409/4307
  • PHOTO-FINISH Prime Alliance Bank · UT
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 8.2% Texas
  • ROA-STRONG 1.58% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Prime Alliance Bank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around ServisFirst Bank

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Ge… · GA ·…84/100Prime Alliance Bank · UT · n…84/100Sanibel Captiva Comm… · FL ·…84/100ServisFirst Bank · AL · this…84/100Stifel Bank and Trust · MO ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around ServisFirst Bank · July 2026

What ServisFirst Bank's Call Report plate shows

ServisFirst Bank (FDIC Cert #57993) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,409 of 4,307. Tier 1 capital prints at 11.83%, clearing the 10% well-capitalized line. The Texas Ratio is 8.24%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.58%. Balance-sheet scale is $17.7B, 112th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Prime Alliance Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around ServisFirst Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

ServisFirst Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; ServisFirst Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How ServisFirst Bank's 84/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10084/100
ServisFirst Bank's composite health score
Tier 1 Capital Ratio (11.83%) 28/40
Return on Assets (ROA) (1.58%) 25/25
Texas Ratio (8.24%) 16/20
Efficiency Ratio (31.70%) 15/15

84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$17.7B

Total balance-sheet footings

Total Deposits

$14.2B

Customer-funded liabilities

Net Loans

$13.5B

Outstanding loan book

Net Income

$279M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.43% 11.83% 13.23%
Basel III capital ratios - ServisFirst Bank

Where ServisFirst Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ServisFirst Bank's score of 84/100 falls in the highlighted band.

ServisFirst Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. ServisFirst Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

ServisFirst Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). ServisFirst Bank's $17.7B falls in the highlighted band.

Safety ratios for ServisFirst Bank

Tier 1 capital ratio
Well-capitalized 10%

11.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.83%
Texas Ratio
8.24%
Equity Capital
$1.9B

What these ratios mean →

Earnings posture at ServisFirst Bank

Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
15.69%
Efficiency Ratio
31.70%

What these mean →

Income & expense at ServisFirst Bank

$990M
Interest Income
$44M
Non-Interest Income
$184M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. ServisFirst Bank reports a Texas Ratio of 8.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View ServisFirst Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to ServisFirst Bank by assets

ServisFirst Bank is closely matched in total assets by Third Federal Savings and Loan Associ…, Busey Bank, Enterprise Bank & Trust, Community Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.86%, versus ServisFirst Bank's own 1.58%; the average efficiency ratio is 61.48%, versus 31.70% here; and average Tier 1 capital sits at 13.22%, versus 11.83% at ServisFirst Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $17.7B in assets, ServisFirst Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to ServisFirst Bank nationally by total assets
  1. 1
    Third Federal Savings and Loan Associ… $17.5B

    Cleveland, OH · Grade A

  2. 2
    Busey Bank $18.1B

    Champaign, IL · Grade A

  3. 3
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

  4. 4
    Community Bank $17.0B

    Canton, NY · Grade A

  5. 5
    Bank of Hope $18.5B

    Los Angeles, CA · Grade B

  6. 6
    Northwest Bank $16.8B

    Warren, PA · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
ServisFirst Bank (this bank) AL $17.7B 1.58% 31.70% 11.83%
Third Federal Savings and Loan Association of Cleveland OH $17.5B 0.51% 63.06% 15.82%
Busey Bank IL $18.1B 0.92% 57.43% 13.97%
Enterprise Bank & Trust MO $17.3B 1.29% 56.65% 11.94%
Community Bank, National Association NY $17.0B 1.11% 58.83% 12.02%
Bank of Hope CA $18.5B 0.42% 69.20% 12.82%
Northwest Bank PA $16.8B 0.92% 63.71% 12.75%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($17.7B here), outside Alabama so the neighborhood is not state containment.

Third Federal Savings and Loan Associ… $17.5B · OH Busey Bank $18.1B · IL Enterprise Bank & Trust $17.3B · MO Community Bank $17.0B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ServisFirst Bank (FDIC Cert #57993) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

ServisFirst Bank Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%
SouthPoint BankBirmingham $1.6B D -0.54%