ServisFirst Bancshares, Inc. is a U.S. bank holding company headquartered in Birmingham, Alabama, operating through its wholly owned subsidiary, ServisFirst Bank. The company provides commercial banking services, including loans, deposits, treasury and cash management, electronic banking, and correspondent banking across a multi-state branch network in the Southeast.
| % | |
|---|---|
| Commercial lending | 45% Loans and credit facilities for businesses and professional service firms. |
| Deposit services | 25% Core deposit accounts that fund lending and generate fee and interest income. |
| Treasury and cash management | 10% Payment, liquidity, and cash management services for business clients. |
| Electronic banking | 10% Online banking, mobile banking, and remote deposit capture services. |
| Correspondent banking | 5% Banking services provided to other financial institutions. |
| Other banking services | 5% Consumer lending and ancillary banking products and services. |
ServisFirst serves businesses, professional service firms, and consumers in its operating markets, with a particular...
Borrowers that use commercial loans, lines of credit, and seasonal or bridge financing for operations and expansion.
Law, accounting, medical, and similar firms that need relationship banking and credit facilities.
Individuals and businesses that place operating, savings, and time deposits with the bank.
Banks and financial institutions that use correspondent banking and related services.
Retail customers using consumer loans and deposit accounts in the bank’s local markets.
ServisFirst is headquartered in Birmingham, Alabama and operates full-service banking offices across Alabama, Florida,...
The company’s strategy centers on relationship-based commercial banking, local decision-making, and a dense branch...
Commercial lending is the core franchise and drives deposit relationships and fee opportunities.
These services increase customer stickiness and support operating account balances.
Quick decisions and personal service help compete with larger banks.
Online and mobile channels improve convenience and support retention.
The bank is exposed to credit risk from its concentration in commercial and real estate lending, and collateral values...
A large share of the loan book is tied to property-backed credit, making asset quality sensitive to real estate values and borrower performance.
Weak business conditions can reduce borrower cash flow, increase defaults, and raise credit losses.
Online banking, mobile banking, and third-party systems create exposure to unauthorized access and fraud.
Large regional and national banks can compete on pricing, technology, and product breadth.
As a bank holding company, the business is subject to Federal Reserve and FDIC oversight and capital rules.
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: 29/04/2026