Total Assets
$17.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$14.2B
Customer-funded liabilities
Net Loans
$13.5B
Outstanding loan book
Net Income
$279M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
77th percentile nationally
1.58%
Return on Equity (ROE)
15.69%
Efficiency Ratio
31.70%
What the numbers say about ServisFirst Bank
ServisFirst Bank is an FDIC-insured institution (Certificate #57993) headquartered in Birmingham, Alabama, established in 2005. It holds $17.7B in total assets - 112th of 4,313 FDIC-insured banks, $14.2B in customer deposits, and $13.5B in net loans. Looking at capital strength, Tier 1 stands at 11.83%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 8.24%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
ServisFirst Bank's asset base places it among the largest FDIC-insured institutions in the country, 112th of 4,313 nationally, and 2nd of 94 banks headquartered in Alabama. Only Regions Bank ($157.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Alabama by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is ServisFirst Bank's health grade?▼
ServisFirst Bank receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is ServisFirst Bank?▼
ServisFirst Bank holds $17.7B in total assets and $14.2B in deposits, ranking 112th of 4,313 FDIC-insured banks by asset size. It is headquartered in Birmingham, Alabama.
Is my money safe at ServisFirst Bank?▼
Yes, deposits at ServisFirst Bank (Certificate #57993) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ServisFirst Bank's Tier 1 Capital Ratio?▼
ServisFirst Bank has a Tier 1 Capital Ratio of 11.83%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for ServisFirst Bank?▼
ServisFirst Bank has a Texas Ratio of 8.24%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is ServisFirst Bank?▼
ServisFirst Bank has an Efficiency Ratio of 31.70%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ServisFirst Bank's profile as a depositor or analyst.
- ServisFirst Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ServisFirst Bank against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.