ServisFirst Bank

2500 Woodcrest Place
Birmingham, AL 35209

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57993
Date Established 2005
Assets $7.08 billion
Loans $5.80 billion
Deposits $6.10 billion
Capital $0.67 billion

ServisFirst Bank is an FDIC insured institution located in Birmingham, AL. It was founded in 2005 and has approximately $7.08 billion in assets. Customers can open an account at one of its 22 branches.

For a more detailed analysis of ServisFirst Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in ServisFirst Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Alabama, ServisFirst Bank has a significantly higher percent of Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.48
Multifamily
Mortgages
2.20
Credit Card Loans 0.13
Consumer Auto Loans 0.04
Small Business Loans 8.95
Construction and Development Loans 10.02
Commercial Real Estate 35.84
Commercial and Industrial Loans 38.14
Farm Loans 0.90

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.50% $100 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.50% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.10% $1,000 $99,999 Learn MoreShow Less
Special: 15 Mo FIRA
1.40% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.15% $1 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.30% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for ServisFirst Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.711% 4.625% 0.50 $2,510 $1,286 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.409% 4.375% 0.00 $1,104 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to ServisFirst Bank
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Branches

ServisFirst Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


ServisFirst Bank Locations

Financial Details

ServisFirst Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of ServisFirst Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
ServisFirst Bank U.S. Bank Average
2.41% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, ServisFirst Bank had $10,825,000 in non-current loans and $6,676,000 in owned real estate. To cover these potential losses it had $665,694,000 in equity and $59,406,000 in loans loss reserves. That gives it a Texas Ratio of 2.41%.

Return on Equity
ServisFirst Bank U.S. Bank Average
15.38% 8.84%

ServisFirst Bank has a Return on Equity of 15.38% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
ServisFirst Bank U.S. Bank Average
9.4% 12.21%

ServisFirst Bank has a Capitalization of 9.4% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

ServisFirst Bank Balance Sheet Analysis

As of December 31, 2017, ServisFirst Bank had assets of $7,082,016,000, loans of $5,796,314,000, and deposits of $6,101,565,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.24 billion
Interest-bearing balances $0.15 billion
Total securities $0.54 billion
Federal funds sold and reverse repurchase $0.24 billion
Net loans and leases $5.80 billion
Loan loss allowance $0.06 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.19 billion
     Total Assets $6.42 billion
LIABILITIES
Total deposits $6.10 billion
      Interest-bearing deposits $4.65 billion
      Deposits held in domestic offices $6.10 billion
      % insured (estimated) 40.92%
Federal funds purchased and repurchase agreements $0.30 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $6.42 billion
      Shareholders’ Equity $0.67 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.26 billion
Total Interest Expense $0.03 billion
Net interest income $0.23 billion
Provision for loan and lease losses $0.02 billion
Total non interest income $0.02 billion
Total non interest expense $0.09 billion
Pre-tax Net Operating Income $0.14 billion

Frequently Asked Questions About Servisfirst Bank

Branches and Savings

Is Servisfirst Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57993.

Why does Servisfirst Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Servisfirst Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Servisfirst Bank a commercial bank?

Yes

Where are Servisfirst Bank locations?

See branch locations nearby.

Is Servisfirst Bank open on Saturdays?

Is Servisfirst Bank open on Sundays?

What time does Servisfirst Bank open?

What time does Servisfirst Bank close?

Are Servisfirst Bank ATMs Open 24/7?

Do Servisfirst Bank ATMs accept cash deposits?

Can Servisfirst Bank customers use other ATMs?

Do Servisfirst Bank branches have notaries?

Will Servisfirst Bank notarize my document?

What address for Servisfirst Bank should I put for incoming ACH transfers?

Will the Servisfirst Bank branch print checks?

Do Servisfirst Bank checks expire?

Does Servisfirst Bank require US citizenship to open account?

Can Servisfirst Bank close my account?

Does Servisfirst Bank Report to credit bureaus?

Does Servisfirst Bank Use Equifax?

What is Servisfirst Bank's ACH Routing Number?

What is Servisfirst Bank's SWIFT code?

Products

Does Servisfirst Bank offer mortgages?

Compare mortgage rates here.

Does Servisfirst Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Servisfirst Bank offer personal loans?

Compare personal loan rates here.

Does Servisfirst Bank offer student loans?

Will Servisfirst Bank cash a check?

Will Servisfirst Bank redeem a savings bond?

Does Servisfirst Bank cash savings bonds?

Will Servisfirst Bank cash money orders?

Can Servisfirst Bank issue a money order?

Does Servisfirst Bank do currency exchange?

Background on The Bank

Who owns Servisfirst Bank?

How long has Servisfirst Bank been around?

Can Servisfirst Bank transfer to other banks?

Does Servisfirst Bank have quick pay?

Does Servisfirst Bank accept rolled coins?

Will Servisfirst Bank accept loose change?

Where is Servisfirst Bank headquarters?

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