BlastPoint's Banking Scorecard
ServisFirst Bank
Mid-Market
Specialty: Commercial
AL
FDIC cert 57993
Birmingham, AL
201
banks in Mid-Market tier nationally
1 in AL
View Mid-Market leaderboard (AL) →
ServisFirst Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.91% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.7B
+2.2% YoY
+0.8% QoQ
|
+$7.3B |
$10.5B
+2.9% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$13.5B
+8.7% YoY
+2.9% QoQ
|
+$6.4B |
$7.1B
+4.5% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$14.2B
+5.0% YoY
+0.8% QoQ
|
+$5.7B |
$8.5B
+3.0% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.58%
+12.0% YoY
+8.9% QoQ
|
+0.41% |
1.16%
+9.4% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.18%
+10.5% YoY
+3.4% QoQ
|
-0.21% |
3.40%
+7.9% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
31.70%
-14.9% YoY
-3.7% QoQ
|
-24.91% |
56.60%
-3.2% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
1.25%
+265.9% YoY
-2.1% QoQ
|
+0.56% |
0.68%
+12.0% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
95.03%
+3.5% YoY
+2.1% QoQ
|
+9.56% |
85.47%
+1.1% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
19.03%
-2.3% YoY
+2.5% QoQ
|
-1.61% |
20.64%
-0.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.97%
+273.1% YoY
+1.1% QoQ
|
+0.47% |
0.50%
+7.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
11.84%
+0.0% YoY
-0.4% QoQ
|
-1.71% |
13.55%
+1.8% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.25%
+21.3% YoY
+55.0% QoQ
|
-0.71% |
0.96%
+7.1% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
31.70%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 31.70% · Tier avg: 56.60%
91
91th pctile
Total Loans
Current: $13.5B · Tier avg: $7.1B
87
87th pctile
Total Assets
Current: $17.7B · Tier avg: $10.5B
87
87th pctile
Total Deposits
Current: $14.2B · Tier avg: $8.5B
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 19.03% · Tier avg: 20.64%
34
34th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
27
27th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 13.55%
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 85.47%
17
17th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.68%
16
16th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
10
10th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.96%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.96%
16
16th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.50%
17
17th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.68%
23
23th pctile
Loan-to-Deposit Ratio
Current: 95.03% · Tier avg: 85.47%
27
27th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 13.55%
34
34th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.40%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 19.03% · Tier avg: 20.64%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.16%
87
87th pctile
Total Deposits
Current: $14.2B · Tier avg: $8.5B
87
87th pctile
Total Assets
Current: $17.7B · Tier avg: $10.5B
91
91th pctile
Total Loans
Current: $13.5B · Tier avg: $7.1B
94
94th pctile
Efficiency Ratio
Current: 31.70% · Tier avg: 56.60%