Servis1st Bank
ServisFirst Bank is a publicly traded, Birmingham, Alabama-based full-service commercial bank operating 25+ branches across eight Southeast and Texas states, serving businesses through dedicated Commercial Bankers, treasury management, correspondent banking, and consumer products with industry-leading profitability.
- Company typePublic
- Founded2005
- HeadquartersBirmingham, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Servis1st Bank does
ServisFirst Bank, headquartered in Birmingham, Alabama, is a publicly traded full-service commercial bank (NASDAQ: SFBS; holding company ServisFirst Bancshares, Inc.) founded in May 2005 by Tom Broughton, who continues as Chairman, President and CEO. The bank operates 25+ branches across eight states in the Southeast and Texas, organized around three core divisions — Commercial Banking, Correspondent Banking (serving other financial institutions since March 2011), and Consumer Banking — with a Private Banking/professional consumer segment as a secondary focus. Its commercial go-to-market is anchored by dedicated Commercial Bankers who serve as the single point of contact for each business client, supported by a Treasury Management suite that includes the eServis Business Online platform (ACH origination, wire transfers, dual-control workflows, fraud analytics), Remote Deposit Xpress desktop check scanning, Sweep Services between checking and money market accounts, and Check & ACH Positive Pay fraud controls. Complementary offerings include commercial and personal credit cards, small business/SBA loans, and merchant services delivered through an Elavon partnership.
The bank generates revenue primarily through net interest income (3.53% net interest margin in Q1 2026, up 61 bps year-over-year from 2.92%) on its commercial and consumer loan book and securities portfolio, with non-interest fee income from treasury management, merchant, and credit card services as a secondary stream. Deposits totaled $14.49 billion in Q1 2026 (up from $14.22 billion) against total assets of approximately $17.35 billion, funding a loan book growing at a 7% annualized pace. Pricing is subscription-style for deposit accounts (monthly service charges waivable on minimum-balance tiers, with per-item fees beyond free transaction thresholds) and transaction-based for wires, overdrafts, and payment processing. Quarterly revenue ran $158.99 million in Q1 2026 and $162.21 million in Q4 2025, with net income of $83 million and a 29.81% efficiency ratio.
Operationally, the bank is known for industry-leading profitability metrics — 17.91% return on average common equity in Q1 2026 and 33% year-over-year EPS growth in Q4 2025 — and is pursuing an aggressive geographic expansion strategy, most recently entering Texas in December 2025 with a Houston office led by Regional CEO Christopher Dvorachek and a team of 18 senior bankers.
Servis1st Bank firmographics
Firmographics- Name
- Servis1st Bank
- Legal name
- ServisFirst Bancshares, Inc.
- Website
- https://servisfirstbank.com
- Company type
- Public
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- ServisFirst Bank is a publicly traded, Birmingham, Alabama-based full-service commercial bank operating 25+ branches across eight Southeast and Texas states, serving businesses through dedicated Commercial Bankers, treasury management, correspondent banking, and consumer products with industry-leading profitability.
- Ownership category
- akta.pro rank
Servis1st Bank industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
- akta.pro secondary industries
- Correspondent Banking (Nostro/Vostro & Agent Services) (FSABAJAA), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Servis1st Bank is headquartered
LocationHeadquarters
- HQ city
- Birmingham
- HQ country
- United States
- HQ region
- North America
Offices25 records
Markets served
Servis1st Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: Interest earned on loans (commercial and consumer) and securities minus interest paid on deposits. Primary revenue driver with net interest margin expansion to 3.53% in Q1 2026, up 61 basis points year-over-year. Core banking operations generate the majority of revenue.
- Non-Interest Income / Fee Income: Fee income from treasury management services, merchant services, credit card services, and other banking service charges. Growth in fee income identified as key focus area alongside loan quality and deposit stability.
- Commercial Banking Services: Revenue from business checking accounts, commercial loans, treasury management services, commercial P-Cards, small business loans including SBA programs, and fraud prevention services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Checking |
| Subscription | Monthly | Corporate Checking |
| Subscription | Monthly | Commercial Money Market |
| Subscription | Monthly | NOW Checking |
| Other | Monthly | Platinum Personal Credit Card |
| Other | Monthly | Cash Back Personal Credit Card |
| Other | Monthly | Business Credit Card - Platinum Benefits |
| Other | Monthly | Business Credit Card - Cash Back Rewards |
| Transaction based/ take rate | Pay-as-you-go | Wire Transfer Fees |
| Transaction based/ take rate | Pay-as-you-go | Overdraft/NSF Fees |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Servis1st Bank product offering
Product offeringCore offering
ServisFirst Bank is a full-service commercial bank offering deposit accounts, commercial and consumer loans, treasury management, correspondent banking, and credit card services across the Southeast US. Commercial clients receive dedicated Commercial Bankers as single points of contact for all business banking needs including business checking, treasury management, commercial P-Cards, merchant services, and SBA lending. The bank also provides personal banking products, mortgage services, and serves other financial institutions through its Correspondent Banking division established in March 2011.
Product overview
ServisFirst Bank offers a unified commercial banking platform with three core divisions: Commercial Banking, Correspondent Banking, and Consumer Banking. The product portfolio centers on the Treasury Management suite (eServis Business Online, Remote Deposit Xpress, Sweep Services, Positive Pay, eStatements), complemented by Credit Card Services (Commercial Purchasing Card, Business Credit Card, Personal Credit Card, Merchant Services powered by Elavon), and Small Business Loans. The bank also provides mobile banking apps, fraud monitoring services, and operates across multiple U.S. states with branch locations. Products function as an integrated ecosystem where treasury services connect to commercial accounts and cards, while merchant services leverage the Elavon partnership for payment processing.
Differentiator
Problem solved
Functional benefit
Brands
- eServis: Online and mobile banking platform for business clients, including eServis Business Online and Advanced eServis Business Online with comprehensive account management, wire transfers, and ACH origination capabilities.
- Remote Deposit Xpress
- Positive Pay
- ServisFirst Purchase Card Program
- ServisFirst Bank Card Manager
Products and services
- Commercial Banking Relationship-driven commercial banking services for businesses, providing dedicated Commercial Bankers as single points of contact for all business banking needs including business checking, business loans and lines, treasury management, and merchant services.
- Correspondent Banking Banking services provided to other financial institutions, including credit relationships and payment processing infrastructure for community banks and smaller institutions.
- Consumer Banking Personal banking services including checking accounts, savings, personal loans, mortgages, and personal credit cards for individual consumers across the bank's Southeast footprint.
- Treasury Management Comprehensive treasury management solutions for businesses including eServis Business Online banking, Remote Deposit Xpress, Sweep Services, eStatements, and Positive Pay fraud prevention.
- Small Business Loans Tailored financing solutions for entrepreneurs and small businesses, including SBA loan programs, equipment financing, and specialized support for women, minority, and veteran-owned small businesses.
- Commercial Purchasing Card (P-Card) Business purchasing card program with expense management software, spend analysis tools, VISA payables automation, merchant category code restrictions, and cash back rebates on business purchases.
- Business Credit Card Business credit cards available in Platinum Benefits (no annual fee) and Cash Back Rewards (1% cash back up to $100,000 annually), with online account management, Visa Zero Liability protection, and 19.50% / 17.50% APR options.
- Personal Credit Card Personal credit cards including Platinum Benefits ($35 annual fee, 0% intro APR for 7 billing cycles, then 19.50% APR) and Cash Back Rewards ($79 annual fee, 1% unlimited cash back up to $100,000, 15.50% APR).
- Merchant Services Payment processing solutions powered by Elavon supporting face-to-face, e-commerce, MOTO, mobile, and tablet POS payments, with next-day funding, single customer service contact, and consolidated statements.
Quantifiable outcome
- 17.91% return on average common equity (Q1 2026), industry-leading profitability
- +6 more outcomes
Companies that use Servis1st Bank
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles3 records
Servis1st Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature6 records
Servis1st Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- Resource Housing Group, Inc.minorCollaboration partner in Cliffmore Park affordable housing development project. WNC partnered with Resource Housing Group and East Carolina Community Development for the 72-unit senior housing project in Fayetteville, North Carolina.
- East Carolina Community Development, Inc.minorCollaboration partner in Cliffmore Park affordable housing development project. WNC partnered with Resource Housing Group and East Carolina Community Development for the 72-unit senior housing project in Fayetteville, North Carolina.
- BankerBountyminorBankerBounty, an incentive referral platform for bank employees, signed ServisFirst Bank as its newest bank partner. The partnership combines BankerBounty's referral platform with ServisFirst Bank's $18B-asset commercial banking operations to enhance service delivery and operational efficiency across Southeast operations.
- ElavoncoreServisFirst Bank and Elavon have partnered to offer comprehensive merchant services including payment processing for all credit and debit cards, next day funding, competitive rates, and no long-term contract or termination fees. Services cover face-to-face, e-commerce, mobile, and tablet-based POS payments.
Scale indicators24 records
Recent moves11 records
Expansion highlights5 records
Servis1st Bank competitors and assessment
Company assessmentBroad incumbents
- Regions Financial: Large-cap Southeast regional bank with a deep branch network across the same states ServisFirst serves. Operates a much broader consumer and wealth management franchise but overlaps significantly in commercial and small business banking.
- Hancock Whitney Corporation: Gulf Coast regional bank with comparable commercial banking focus; competes with ServisFirst in Mobile, Pensacola, and the broader Florida Panhandle / Alabama Gulf region.
- Truist Financial Corporation: Super-regional bank with significant Southeast commercial banking presence; competes with ServisFirst at the larger end of the commercial client spectrum across all eight of its core states.
Direct peers
- Pinnacle Financial Partners: Tennessee-headquartered commercial bank with similar Southeast US footprint, dedicated relationship-banker model, and mid-cap asset base of comparable scale to ServisFirst. Both compete for commercial deposits and SMB relationships across overlapping geographies.
- Atlantic Union Bankshares: Virginia-based commercial bank of similar size with a Southeast footprint that overlaps with ServisFirst's Virginia Beach and Carolinas expansion; comparable commercial banking model and product set.
- SouthState Corporation: Southeast US commercial bank of similar asset size formed through mergers; competes head-to-head with ServisFirst for commercial and small business relationships across the Carolinas, Georgia, Florida, and Alabama.
- BankUnited: Florida-headquartered commercial bank with a similar commercial-lending focus; directly overlaps with ServisFirst's Tampa Bay, Orlando, and South Florida ambitions.
- Cadence Bank: Mid-size commercial bank operating across the Southeast and Texas with a similar commercial banker-driven model; direct overlap in Texas and the I-85 corridor with ServisFirst.
- First Horizon Corporation: Tennessee-headquartered regional commercial bank with significant Southeast presence; competes for the same commercial banking and treasury management customers in markets like Memphis, Nashville, and the Carolinas.
- Synovus Financial: Mid-size commercial bank headquartered in Georgia with concentrated Southeast presence and a commercial-banking-led model closely mirroring ServisFirst's relationship-driven approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Servis1st Bank social profiles
Digital presenceServis1st Bank compliance and trust
Trust signalCompliance3 records
Servis1st Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Servis1st Bank leadership team
Management profileNumber of profiles
Profiles12 records
Servis1st Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
Servis1st Bank funding detail
Funding detailFunding overview
Funding rounds5 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Servis1st Bank M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Servis1st Bank
What does Servis1st Bank do?
ServisFirst Bank is a full-service commercial bank offering deposit accounts, commercial and consumer loans, treasury management, correspondent banking, and credit card services across the Southeast US. Commercial clients receive dedicated Commercial Bankers as single points of contact for all business banking needs including business checking, treasury management, commercial P-Cards, merchant services, and SBA lending. The bank also provides personal banking products, mortgage services, and serves other financial institutions through its Correspondent Banking division established in March 2011.
Is Servis1st Bank a public or private company?
Servis1st Bank is a public company. It is classified as public and is currently operating.
When was Servis1st Bank founded?
Servis1st Bank was founded in 2005. It employs 501 to 1,000 people.
Where is Servis1st Bank based?
Servis1st Bank is headquartered in Birmingham, United States, in the North America region.
How does Servis1st Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income / Fee Income and commercial Banking Services.
Who are Servis1st Bank's main competitors?
Broad incumbents on record are Regions Financial, Hancock Whitney Corporation and Truist Financial Corporation. Direct peers are Pinnacle Financial Partners, Atlantic Union Bankshares, SouthState Corporation, BankUnited, Cadence Bank, First Horizon Corporation and Synovus Financial.
Does Servis1st Bank have an API?
No public API is recorded for Servis1st Bank.
What industry is Servis1st Bank in?
Servis1st Bank's product category is Commercial Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSABAJAA, Correspondent Banking (Nostro/Vostro & Agent Services). Its NAICS code is 522110 and its SIC code is 6021.