# SERVISFIRST BANK
BIRMINGHAM, AL · FDIC certificate 57993 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $18.34B | |
| Deposits | $14.57B | |
| Loans and leases | $14.49B | |
| Total equity | $2.01B | |
| Loans / deposits | 98.20% (p88 of band) | 85.78% |
| Liquid assets / assets | 16.83% (p24 of band) | |
| Uninsured deposits / deposits | 66.41% (p99 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.61% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.09% (p76 of band) | 10.17% |
| Unrealized securities loss / equity | -2.51% (p80 of band) | -7.43% |
| AOCI / equity | -0.04% (p75 of band) | |
| ROA (annualized) | 1.88% (p88 of band) | 1.24% |
| Net interest margin | 3.56% (p48 of band) | 3.57% |
| Efficiency ratio | 29.56% (p11 of band) | |
| Noncurrent loans | 1.18% (p80 of band) | 0.66% |
| Net charge-offs (annualized) | 0.13% (p66 of band) | |
| Reserve coverage of noncurrent | 106.38% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 77.92% (p94 of band) | |
| Auto loans | $1.6M (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $121.3M (6% of equity) (p47 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 684 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | uninsured deposits >50%, run vulnerability, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | uninsured deposits >50%, run vulnerability, construction >100% equity |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | loans exceed deposits | capital falling |
| 2013-06 | 0 |  | loans exceed deposits |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2014-06 | 0 |  | uninsured deposits >50%, run vulnerability |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | uninsured deposits >50%, run vulnerability | capital falling |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 3 | capital falling | loans exceed deposits |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | charge-offs p90 |  |
| 2019-12 | 3 |  | capital falling |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 1 |  | run vulnerability |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | construction >100% equity |  |
| 2022-09 | 5 | loans exceed deposits, run vulnerability, deposits shrinking |  |
| 2022-12 | 5 | assets shrinking | loans exceed deposits |
| 2023-03 | 5 |  |  |
| 2023-06 | 1 |  | construction >100% equity, run vulnerability, deposits shrinking, assets shrinking |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 2 |  | capital falling |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | run vulnerability |  |
| 2026-03 | 3 | reserve under noncurrent |  |
| 2026-06 | 2 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-26 [Alabama-based ServisFirst Bank to open first Houston office in Memorial City - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPdkZZaERoajJsWDUzRlNnRllnVG9sVTc5MTZWM2dTTzVPRGhtQ1hpdjVVLVNPdVE0OFZtcndhWGs2ajlxRUtMN2pMZzM3dU9RUGN4VzZXSmRDTnlXNXRUdHY4aUxVZGRiQkZ4enBTYzVBa2VwaFNNNUdmd3lMcktDTEliMTY4eXZGWGdmbmtjQWRHbHpRMnZSQ0FR?oc=5) · The Business Journals
- 2026-03-12 [ServisFirst Bank Huntsville Announces New Commercial Banking Officer - Huntsville Business Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxORmU3LU9hZGpibXBxSUk3MGV5NTlxSnFhN1NrWVpxR3g2eUxhSWthanN0dlJySkdmQ0VDS0QyQnZsbElJcVloWlQ2NFpnZTB1RUo5TWxSWVRSc3JrTHJ0QW9wYlZBNXpPZ0dOOXJCWjhtV2ZCbWZmbE9QUG9nckxCdkRkRWR0VTJKZ01hb1EzMWRlX0wtb1ZfNlphczMxTFNhcWMwbVVfWm8waWxzYl9JeW53NGd4ZU45MHlzVlFPQ2I?oc=5) · Huntsville Business Journal
- 2026-03-24 [$16.5 million bank headquarters coming to downtown Huntsville - AL.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNHpPaVE5Yk8xQkE1UTlMa0lpeGYxdDBmNjlsZmh3UnkxNlNqbnpWaklWR2ZoVlJRbWUybFNNMDk3SzhDOEFhMkRBR3pkYnhZQ1AtU1d0c2dZUkZ6NGd6Qll1UENya0RTVXZyNDd3T1dQV3lwb0k2cVVIckpfRUJPSzk3SkdRLVBoMlVzVnZCdV92N2JsQkM5S0ZwQUZNR0doOFA1U0Y3OFFyUQ?oc=5) · AL.com
- 2026-08-24 [ServisFirst Bank hires first Houston market president as Alabama bank expands Texas presence - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNeVFBZTlET2ZHcjUyWW9oQ3kyUUJ0OHNyaEtBU0VDY3RUYlZRSExnVEV1NE9iYU1BOHgtbVhfR0NXZlZ0alZNTHFyVjVJdE1YNjh5eFIzRV90TmVLOG5LR2pqT3l3RFdjYk5KXzRXX2g1MmI0UVY3WUhfMmdjX0VWZy1VNzd4X0lQR1JYanpjanVTazFLV1BHLWl4NGZTYTJzUzNNcg?oc=5) · The Business Journals
- 2026-07-13 [Emerson Herr Joins ServisFirst Bank As Credit Analyst - Huntsville Business Journal](https://news.google.com/rss/articles/CBMirAFBVV95cUxOQkZOTVpmUWlFajZRMUE4ZGhXaTJQV2ItSHoxNTNfc0EtaG5uS2ZpS01MR3hOWk9uWlZEWmN6MmFVbTV0Qy1rQS1aNWprTTlxbUhxZk5Ld21VQjA2VXUyNzhWeElmX1ExbVFkeUg5eDB5NEZNTDliRkQ1R1VsTWdBZVpqd25ma09qRV9WT3Vqamk1eEswZ2V1dTVqUWdWam9JRU9YbXhVUzdDd0Vx?oc=5) · Huntsville Business Journal
- 2025-12-16 [Alabama's ServisFirst expands beyond Southeast into Texas - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxObHFPdzgzQjZZWWZJRXI4MElhbTVOaXRJWk1ON0hoeHVVbWlZN0ZUQnFMbzhnSHZGN3V6REpKR0FSaVhkSlRONWpKRFltNjJQYzhtU25CNFJIb091bnN4OFdIQTFYbmxOV2xiMjRyV1VxREZFWjZQcEstNjZIUzBaSnpYSndrMGJCcDFlblVWY1lCcHF3dFhJ?oc=5) · American Banker
- 2025-06-18 [ServisFirst Bank Huntsville announces promotion of 3 team members - 256today.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNYk95U1RYU2xGNmtoNDE2U1BoQnY5Q3JPTTNOdDRxQWppeXJuakRBczV3ZHNnQTl6RU1uMnZtdE0xenNwYmRJX3dEcE04c0RFUlJCeEVoX1Rqa0dVXzJQeE5MMGVOR2FycFhucmFiTGtMS0ttSjZ0dGpyRk0wdE02bWlsVDVScy1qYnB1ZXQ2Mzg?oc=5) · 256today.com
- 2025-07-28 [ServisFirst Bank Achieves Fifth Place in American Banker's Ranking of Top Publicly Traded Banks with $10 Billion to $50 Billion in Assets - Quiver Quantitative](https://news.google.com/rss/articles/CBMihwJBVV95cUxNQTJib1ZjdTFqUTNjdjhSenZUdk4wZ0J3dmxkQzhWZmNiaVFrUWJBTnQzbmp5RzNYT1F6SzFJUDFiWGpuTEJROFFGbmFCRXVQbTQ0SDh5b2t0Q1VhbjhPZFVvQ0hqX2FVdmdvRWtQcjVRN1AxbFJ6TS1XQzlHSE0wNGZDZUp1RXZRcE5ENnJBQ015TmxXcDJEYzlWUWd2UTV3czE2N1htMnpjckJ1eFotYThZVjIwQWZYWnRhQnhPd2U3TnlfVVA0d3ZrMEV6XzF0c0xxYXVWWUNPRTVzMFNjblhFR21SRER3YlJmbHlvSDJXZExMT3NhZnI3aFRVZXRBUkN3alZlbw?oc=5) · Quiver Quantitative

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57993 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "57993", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide