Servisfirst Bank Mortgage Rates, Fees & Info

Birmingham, AL

LEI: 549300XSS1CPK8G7B851

Tax ID: 20-2451671

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Servisfirst Bank is a smaller bank specializing in Home Purchase and Refi loans. Servisfirst Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Birmingham, Greenville, Nashville, Pensacola, and Crestview among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Servisfirst Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Servisfirst Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/14/24
    30 Year Conventional Purchase 6.71% 4/14/24
    30 Year Conventional Refi 6.70% 4/14/24
    30 Year Cash-out Refi 7.02% 4/14/24
    30 Year FHA Purchase 7.37% 4/14/24
    30 Year VA Purchase 6.46% 4/14/24
    15 Year Conventional Purchase 6.18% 4/14/24
    15 Year Conventional Refi 6.09% 4/14/24
    15 Year Cash-out Refi 6.09% 4/14/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Servisfirst Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Servisfirst Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    764

    Origination Dollar Volume (All Markets)

    $410,120,000

    Employee count

    505

    Awards

    ServisFirst Bank 30 Year Conventional Loans bronze
    Show all (1) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 258 $89,680,000 $347,597 $4,191 4.43%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $39,655,000 $39,655,000 $0 4.22%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $33,465,000 $3,718,333 $6,402 4.66%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 109 $33,305,000 $305,550 $5,238 4.47%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 31 $30,415,000 $981,129 $5,610 4.80%
    PANAMA CITY, FL (FHA|USDA|VA) 9 $27,625,000 $3,069,444 $4,376 5.08%
    HUNTSVILLE, AL (FHA|USDA|VA) 77 $21,795,000 $283,052 $5,549 4.32%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 31 $20,775,000 $670,161 $3,838 4.41%
    MONTGOMERY, AL (FHA|USDA|VA) 44 $19,820,000 $450,455 $4,018 4.58%
    DOTHAN, AL (FHA|USDA|VA) 45 $10,705,000 $237,889 $3,808 4.28%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 21 $9,805,000 $466,905 $6,835 4.68%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $8,805,000 $8,805,000 $0 4.50%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 28 $8,040,000 $287,143 $5,374 4.74%
    Edwards, CO (FHA|USDA|VA) 1 $7,505,000 $7,505,000 $0 5.33%
    Atmore, AL (FHA|USDA|VA) 1 $4,405,000 $4,405,000 $0 5.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $4,360,000 $2,180,000 $0 5.24%
    Scottsboro, AL (FHA|USDA|VA) 2 $4,310,000 $2,155,000 $0 4.50%
    MOBILE, AL (FHA|USDA|VA) 18 $3,920,000 $217,778 $3,665 4.61%
    COLUMBUS, GA-AL (FHA|USDA|VA) 4 $3,890,000 $972,500 $0 4.75%
    Troy, AL (FHA|USDA|VA) 1 $3,105,000 $3,105,000 $0 5.50%
    Breckenridge, CO (FHA|USDA|VA) 1 $2,835,000 $2,835,000 $0 5.75%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 10 $2,810,000 $281,000 $4,891 5.45%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $2,315,000 $2,315,000 $0 6.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $2,310,000 $385,000 $5,329 4.37%
    Cullman, AL (FHA|USDA|VA) 7 $2,285,000 $326,429 $3,597 3.88%
    Outside of Metro Areas 9 $2,035,000 $226,111 $4,674 4.69%
    Alexander City, AL (FHA|USDA|VA) 4 $1,660,000 $415,000 $6,890 4.69%
    TUSCALOOSA, AL (FHA|USDA|VA) 6 $1,370,000 $228,333 $5,145 4.28%
    Jasper, AL (FHA|USDA|VA) 3 $1,135,000 $378,333 $4,276 4.08%
    Summerville, GA (FHA|USDA|VA) 1 $685,000 $685,000 $11,699 4.99%
    Ozark, AL (FHA|USDA|VA) 4 $670,000 $167,500 $2,801 5.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $480,000 $240,000 $4,347 4.63%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $480,000 $240,000 $0 5.48%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $455,000 $455,000 $0 4.50%
    Enterprise, AL (FHA|USDA|VA) 2 $450,000 $225,000 $4,685 4.81%
    JACKSON, MS (FHA|USDA|VA) 1 $445,000 $445,000 $3,612 4.50%
    DECATUR, AL (FHA|USDA|VA) 2 $440,000 $220,000 $4,428 4.75%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $395,000 $395,000 $4,087 5.38%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,892 3.88%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $255,000 $255,000 $4,672 3.75%
    Oxford, MS (FHA|USDA|VA) 1 $225,000 $225,000 $5,504 4.99%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $195,000 $195,000 $0 5.50%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $5,531 4.25%
    COLUMBIA, SC (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,309 3.75%
    DALTON, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.75%
    Servisfirst Bank's top markets include Birmingham, Greenville, Nashville, Pensacola, and Crestview among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ServisFirst Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Eglin Federal Credit Union
    Similarity Rank: 24
    Barley Mortgage, LLC
    Similarity Rank: 48
    US COMMUNITY
    Similarity Rank: 64
    AMERICA'S FIRST
    Similarity Rank: 80
    Gulf Winds Credit Union
    Similarity Rank: 225
    ALABAMA CREDIT UNION
    Similarity Rank: 288
    MAX Credit Union
    Similarity Rank: 392
    Troy Bank and Trust Company
    Similarity Rank: 437
    HARVESTERS FEDERAL CREDIT UNION
    Similarity Rank: 500
    Emory Alliance Credit Union
    Similarity Rank: 516

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 710 $396,890,000 $559,000 $4,418 4.55%
    FHA 29 $5,735,000 $197,759 $6,924 3.99%
    VA 25 $7,495,000 $299,800 $7,076 3.80%

    For 2019, Servisfirst Bank's most frequently originated type of loan was Conventional, with 710 originations. Their 2nd most popular type was FHA, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 540 $263,370,000 $487,722 $4,579 4.58%
    Refi 148 $118,260,000 $799,054 $5,217 4.36%
    Cash Out Refi 54 $14,840,000 $274,815 $3,862 4.01%
    Other 14 $5,130,000 $366,429 $5,460 4.37%
    Home Improvement 8 $8,520,000 $1,065,000 $0 5.74%

    For 2019, Servisfirst Bank's most frequently cited loan purpose was Home Purchase, with 540 originations. The 2nd most popular reason was Refi, with 148 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 501 $152,695,000 $304,780 $4,951 4.29%
    5 Year 125 $140,385,000 $1,123,080 $155 5.32%
    15 Year 45 $11,425,000 $253,889 $3,094 3.62%
    Other 36 $44,380,000 $1,232,778 $6,715 5.25%
    1 Year 27 $13,925,000 $515,741 $2,213 5.64%
    10 Year 16 $16,020,000 $1,001,250 $0 4.45%
    20 Year 12 $2,990,000 $249,167 $3,655 3.83%
    3 Year 2 $28,300,000 $14,150,000 $0 4.33%

    For 2019, Servisfirst Bank's most frequently cited loan duration was 30 Year, with 501 originations. The 2nd most popular length was 5 Year, with 125 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 296 $78,650,000 $265,709
    $2k-3k 89 $16,715,000 $187,809
    $1k-2k 62 $11,670,000 $188,226
    $5k+ 52 $39,880,000 $766,923
    $3k-4k 46 $13,050,000 $283,696
    $4k-5k 28 $10,230,000 $365,357

    Servisfirst Bank's average total fees were $4,951, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 296 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 372 $234,630,000 $630,726
    3-4% 241 $95,475,000 $396,162
    5-6% 135 $77,255,000 $572,259
    6-7% 11 $1,405,000 $127,727
    2.5-3% 5 $1,355,000 $271,000

    During 2019, Servisfirst Bank's average interest rate for loans was 4.29%, while their most frequently originated rate bucket for loans was 4-5%, with 372 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 288 $82,430,000 $286,215 $4,394 4.31%
    $100k-200k 214 $31,630,000 $147,804 $3,599 4.53%
    $400k-600k 104 $49,050,000 $471,635 $5,407 4.27%
    $100,000 or less 78 $4,710,000 $60,385 $2,193 5.02%
    $1MM+ 46 $217,330,000 $4,724,565 $16,931 5.02%
    $600k-1MM 34 $24,970,000 $734,412 $11,073 4.86%

    2019 saw Servisfirst Bank place emphasis on $200k-400k loans with 288 originations, totaling $82,430,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 126 $67,100,000 $532,540 $6,768 4.50%
    $150k-250k 117 $40,925,000 $349,786 $4,750 4.29%
    $100k-150k 107 $29,545,000 $276,121 $3,988 4.26%
    $50k-75k 89 $15,055,000 $169,157 $4,259 4.34%
    $50k or less 83 $11,165,000 $134,518 $3,495 4.38%
    $75k-100k 71 $16,325,000 $229,930 $4,612 4.32%

    Servisfirst Bank lent most frequently to those with incomes in the $250k+ range, with 126 originations. The second most popular income band? $150k-250k, with 117 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 143 $44,885,000 $313,881 $4,279 4.23%
    <20% 104 $40,280,000 $387,308 $5,399 4.35%
    30-36% 92 $24,930,000 $270,978 $4,272 4.27%
    42% 31 $7,055,000 $227,581 $4,474 4.40%
    41% 26 $8,370,000 $321,923 $5,042 4.24%
    43% 24 $6,460,000 $269,167 $4,406 4.42%
    48% 24 $5,450,000 $227,083 $3,972 4.50%
    39% 18 $5,750,000 $319,444 $4,641 4.46%
    40% 18 $4,470,000 $248,333 $4,940 4.28%
    44% 17 $6,495,000 $382,059 $5,574 4.20%
    47% 16 $3,780,000 $236,250 $4,859 4.42%
    46% 16 $4,600,000 $287,500 $5,076 4.13%
    37% 15 $2,545,000 $169,667 $3,239 4.41%
    38% 14 $3,560,000 $254,286 $4,030 4.23%
    49% 14 $3,360,000 $240,000 $5,261 4.20%
    45% 12 $2,100,000 $175,000 $4,312 4.22%
    50-60% 11 $3,915,000 $355,909 $7,244 4.39%
    36% 10 $2,240,000 $224,000 $3,857 4.18%
    >60% 3 $1,355,000 $451,667 $7,890 4.83%

    Servisfirst Bank lent most frequently to those with DTI ratios of 20-30%, with 143 originations. The next most common DTI ratio? <20%, with 104 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 141 $221,235,000 $1,569,043 $0 5.27%
    White 505 $166,175,000 $329,059 $4,774 4.33%
    Black 85 $11,915,000 $140,176 $3,739 4.40%
    Not provided 24 $7,670,000 $319,583 $5,716 4.28%
    Asian 6 $2,480,000 $413,333 $5,828 4.02%
    American Indian 3 $645,000 $215,000 $3,666 4.13%

    Approval Rates

    Total approvals of all applications
    95.26%

    Servisfirst Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.17%

    Servisfirst Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 764 $410,120,000 $536,806

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $125,000 $125,000
    Multifamily:Site-Built 42 $185,380,000 $4,413,810
    Single Family (1-4 Units):Manufactured 2 $50,000 $25,000
    Single Family (1-4 Units):Site-Built 719 $224,565,000 $312,330

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 31 $45,295,000 $1,461,129 $5,008 4.43%
    40-60% 84 $65,130,000 $775,357 $4,143 4.43%
    60-80% 301 $196,465,000 $652,708 $4,196 4.55%
    80-100% 325 $99,925,000 $307,462 $5,231 4.48%
    Over 100% 4 $1,900,000 $475,000 $11,314 5.00%
    Under 20% 18 $1,180,000 $65,556 $442 4.63%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Servis One, Inc., Titusville, PA Branch VA mortgage Struggling to pay mortgage 1 1.1%
    Servis One, Inc., Titusville, PA Branch VA mortgage Trouble during payment process 1 1.1%
    Servis One, Inc., Titusville, PA Branch Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 2.3%
    Servis One, Inc., Titusville, PA Branch Conventional home mortgage Closing on a mortgage 1 1.1%
    Servis One, Inc., Titusville, PA Branch Conventional home mortgage Incorrect information on your report 3 3.4%
    Servis One, Inc., Titusville, PA Branch Conventional home mortgage Struggling to pay mortgage 32 36.4%
    Servis One, Inc., Titusville, PA Branch Conventional home mortgage Trouble during payment process 25 28.4%
    Servis One, Inc., Titusville, PA Branch FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.1%
    Servis One, Inc., Titusville, PA Branch FHA mortgage Trouble during payment process 11 12.5%
    Servis One, Inc., Titusville, PA Branch Home equity loan or line of credit (HELOC) Trouble during payment process 1 1.1%
    Servis One, Inc., Titusville, PA Branch Other type of mortgage Struggling to pay mortgage 3 3.4%
    Servis One, Inc., Titusville, PA Branch Other type of mortgage Trouble during payment process 6 6.8%
    Servis One, Inc., Titusville, PA Branch VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 1.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    ServisFirst Bank 1267-A Enterprise Way Huntsville, AL 35806 Full Service B&M $32,403
    ServisFirst Bank 1640 Ross Clark Circle, Sutie 307 Dothan, AL 36301 Full Service B&M $36,757
    ServisFirst Bank 1801 West End Avenue Nashville, TN 37203 Full Service B&M $446,043
    ServisFirst Bank 2 North Royal Street Mobile, AL 36602 Full Service B&M $284,545
    ServisFirst Bank 219 East Garden Street Pensacola, FL 32502 Full Service B&M $356,565
    ServisFirst Bank 2454 Kennesaw Due West Road Kennesaw, GA 30144 Full Service B&M $114,709
    ServisFirst Bank 2500 Woodcrest Place Homewood, AL 35209 Full Service B&M $2,924,610
    ServisFirst Bank 2801 Chapel Hill Road Douglasville, GA 30135 Full Service B&M $159,551
    ServisFirst Bank 300 Galleria Parkway, Suites 100 And 350 Atlanta, GA 30339 Full Service B&M $211,776
    ServisFirst Bank 324 Richard Arrington Blvd Birmingham, AL 35203 Full Service B&M $78,247
    ServisFirst Bank 401 Meridian Street, Suite 100 Huntsville, AL 35801 Full Service B&M $855,848
    ServisFirst Bank 4221 West Boy Scout Blvd., Ste.100 Tampa, FL 33607 Full Service B&M $298,598
    ServisFirst Bank 4400 0ld Shell Road Mobile, AL 36608 Full Service B&M $52,555
    ServisFirst Bank 4801 West Main Street, Brightleaf Court, Suite 12 Dothan, AL 36305 Full Service B&M $516,912
    ServisFirst Bank 4980 North 12th Avenue Pensacola, FL 32504 Full Service B&M $37,071
    ServisFirst Bank 5403 Highway 280, Suite 401 Hoover, AL 35244 Full Service B&M $30,274
    ServisFirst Bank 561 Fairhope Avenue, Suite 101 Fairhope, AL 36532 Full Service B&M $32,122
    ServisFirst Bank 701 East Bay Street Charleston, SC 29403 Full Service B&M $201,544
    ServisFirst Bank 7256 Halcyon Park Dr Montgomery, AL 36117 Full Service B&M $21,292
    ServisFirst Bank One Commerce Street Ste 200 Montgomery, AL 36104 Full Service B&M $721,871

    For 2019, Servisfirst Bank had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $390,803
    Net interest income $290,769
    Total noninterest income $23,667
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $7,029
    Trading account gains and fees $0
    Additional Noninterest Income $16,638
    Pre-tax net operating income $190,710
    Securities gains (or losses, -) $27
    Income before extraordinary items $152,172
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $152,172
    Minority interest net income $0
    Net income $152,172
    Sale, conversion, retirement of capital stock, net $1,245
    Net operating income $152,150

    Servisfirst Bank's gross interest income from loans was $390,803,000.
    Servisfirst Bank's net interest income from loans was $290,769,000.
    Servisfirst Bank's fee based income from loans was $7,029,000.
    Servisfirst Bank's net income from loans was $152,172,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $100,034
    Provision for credit losses $22,638
    Total noninterest expense $101,088
    Salaries and employee benefits $57,783
    Premises and equipment expense $9,272
    Additional noninterest expense $34,033
    Applicable income taxes $38,565
    Net charge-offs $22,060
    Cash dividends $37,063

    Servisfirst Bank's interest expense for loans was $100,034,000.
    Servisfirst Bank's payroll and benefits expense were $57,783,000.
    Servisfirst Bank's property, plant and equipment expenses $9,272,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $7,540,504
    Deposits held in domestic offices $7,540,504
    Deposits by Individuals, partnerships, and corporations $6,799,845
    Deposits by U.S. Government $19,637
    Deposits by States and political subdivisions in the U.S. $558,969
    Deposits by Commercial banks and other depository institutions in U.S. $162,053
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $950,026
    Demand deposits $588,198
    Nontransaction accounts $6,590,478
    Money market deposit accounts (MMDAs) $5,796,117
    Other savings deposits (excluding MMDAs) $65,808
    Total time deposits $728,553
    Total time and savings deposits $6,952,306
    Noninterest-bearing deposits $1,759,950
    Interest-bearing deposits $5,780,554
    Retail deposits $7,079,172
    IRAs and Keogh plan accounts $34,140
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,946,415
    Cash & Balances due from depository institutions $530,127
    Interest-bearing balances $451,509
    Total securities $759,649
    Federal funds sold & reverse repurchase $100,473
    Net loans and leases $7,191,179
    Loan and leases loss allowance $76,584
    Trading account assets $0
    Bank premises and fixed assets $69,788
    Other real estate owned $8,178
    Goodwill and other intangibles $14,179
    All other assets $272,842

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,946,415
    Total Liabilities $8,040,955
    Total deposits $7,540,504
    Interest-bearing deposits $5,780,554
    Deposits held in domestic offices $7,540,504
    % insured (estimated) $42
    Federal funds purchased and repurchase agreements $470,749
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $29,702

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,191,179
    Loan and leases loss allowance $76,584
    Total loans and leases (domestic) $7,267,763
    All real estate loans $4,506,764
    Real estate loans in domestic offices $4,506,764
    Construction and development loans $521,392
    Residential 1-4 family construction $129,289
    Other construction, all land development and other land $392,103
    Loans secured by nonfarm nonresidential properties $2,918,754
    Nonfarm nonresidential secured by owner-occupied properties $1,587,478
    Commercial real estate & other non-farm, non-residential $1,331,276
    Multifamily residential real estate $299,552
    1-4 family residential loans $650,500
    Farmland loans $116,566
    Loans held in foreign offices $0
    Farm loans $91,753
    Commercial and industrial loans $2,593,605
    To non-U.S. addressees $0
    Loans to individuals $60,561
    Credit card loans $8,346
    Related Plans $21,624
    Consumer Auto Loans $3,875
    Other loans to individuals $26,716
    All other loans & leases $15,080
    Loans to foreign governments and official institutions $0
    Other loans $4,227
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $46,857
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    ServisFirst Bank had $7,191,179,000 of loans outstanding in 2019. $4,506,764,000 of loans were in real estate loans. $521,392,000 of loans were in development loans. $299,552,000 of loans were in multifamily mortgage loans. $650,500,000 of loans were in 1-4 family mortgage loans. $91,753,000 of loans were in farm loans. $8,346,000 of loans were in credit card loans. $3,875,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,821 $598,328 $328,571
    Nonfarm, nonresidential loans - <$100k 207 $11,748 $56,754
    Nonfarm, nonresidential loans - $100-250k 479 $69,543 $145,184
    Nonfarm, nonresidential loans - $250k-1MM 1,135 $517,037 $455,539
    Commercial & Industrial, US addressed loans - <$1MM 5,392 $817,753 $151,660
    Commercial & Industrial, US addressed loans - <$100k 2,245 $84,284 $37,543
    Commercial & Industrial, US addressed loans - $100-250k 1,435 $173,169 $120,675
    Commercial & Industrial, US addressed loans - $250k-1MM 1,712 $560,300 $327,278
    Farmland loans - <$1MM 83 $19,650 $236,747
    Farmland loans - <$100k 14 $590 $42,143
    Farmland loans - $100-250k 28 $5,312 $189,714
    Farmland loans - $250k-1MM 41 $13,748 $335,317
    Agriculture operations loans - <$1MM 142 $20,653 $145,444
    Agriculture operations loans - <$100k 44 $2,279 $51,795
    Agriculture operations loans - $100-250k 55 $7,703 $140,055
    Agriculture operations loans - $250k-1MM 43 $10,671 $248,163