ServisFirst Bancshares, Inc. (SFBS): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca regional, Servisfirst Bancshares, Inc. (SFBS) surge como una potencia estratégica, uniendo soluciones financieras innovadoras y enfoques bancarios centrados en la comunidad. Al aprovechar un sofisticado lienzo de modelo de negocio que equilibra la destreza tecnológica con un servicio personalizado, SFBS ha forjado un nicho distintivo en el ecosistema bancario del sudeste de los Estados Unidos. Este modelo integral revela cómo el banco transforma los paradigmas bancarios tradicionales, ofreciendo productos financieros personalizados, infraestructura digital robusta y experiencias de clientes basadas en relaciones que lo distinguen en un mercado financiero cada vez más competitivo.

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocios: asociaciones clave

Asociaciones estratégicas con empresas locales y clientes comerciales

A partir de 2024, Servisfirst Bancshares mantiene asociaciones estratégicas con aproximadamente 3.500 clientes comerciales en sus regiones operativas. La cartera de préstamos comerciales del banco alcanzó los $ 12.4 mil millones en 2023, lo que indica relaciones comerciales sólidas.

Categoría de asociación	Número de asociaciones	Valor total
Asociaciones comerciales locales	3,500	$ 12.4 mil millones

Colaboración con proveedores de tecnología financiera regional

ServIffirst ha establecido asociaciones con 7 proveedores regionales de tecnología financiera para mejorar las capacidades de banca digital.

• Integración de la plataforma de banca digital
• Soluciones de tecnología de banca móvil
• Asociaciones de infraestructura de ciberseguridad

Relaciones con instituciones hipotecarias y préstamos

El banco mantiene las relaciones con 42 instituciones hipotecarias y de préstamos, con una cartera de préstamos hipotecarios valorados en $ 3.8 mil millones en 2023.

Tipo de asociación de préstamos	Número de instituciones	Valor de la cartera de préstamos
Asociaciones de préstamos hipotecarios	42	$ 3.8 mil millones

Redes con organizaciones de desarrollo comunitario

ServIsfirst colabora activamente con 23 organizaciones de desarrollo comunitario en sus mercados operativos, apoyando las iniciativas de crecimiento económico local.

Alianzas con empresas de gestión de patrimonio e inversiones

El Banco ha establecido asociaciones con 15 empresas de gestión de patrimonio e inversiones, que administran aproximadamente $ 2.6 mil millones en activos de gestión de patrimonio.

Categoría de asociación de inversión	Número de asociaciones	Activos administrados
Alianzas de gestión de patrimonio	15	$ 2.6 mil millones

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocio: actividades clave

Servicios de banca comercial y minorista

A partir del cuarto trimestre de 2023, Servisfirst Bancshares reportó $ 24.4 mil millones en activos totales y $ 19.4 mil millones en depósitos totales. El banco opera 116 oficinas de banca de servicio completo en Alabama, Florida, Georgia, Carolina del Sur y Tennessee.

Categoría de servicio bancario	Volumen total (2023)
Préstamos bancarios comerciales	$ 15.7 mil millones
Cuentas bancarias minoristas	238,000 cuentas de clientes
Cartera de préstamos totales	$ 20.1 mil millones

Originación de préstamo y suscripción

ServIsfirst procesó aproximadamente 4,752 solicitudes de préstamos nuevos en 2023, con un volumen de origen de préstamo total de $ 3.2 mil millones.

• Tamaño promedio del préstamo comercial: $ 1.4 millones
• Tamaño promedio del préstamo residencial: $ 342,000
• Tasa de aprobación del préstamo: 67.3%

Gestión de depósitos e inversiones

Los depósitos totales del cliente alcanzaron los $ 19.4 mil millones en 2023, con un saldo de cuenta de depósito promedio de $ 87,500.

Producto de depósito	Volumen total	Tasa de interés promedio
Cuentas corrientes	$ 8.6 mil millones	0.35%
Cuentas de ahorro	$ 5.2 mil millones	1.75%
Cuentas del mercado monetario	$ 3.9 mil millones	2.25%

Desarrollo de la plataforma de banca digital

Inversión en infraestructura digital: $ 12.4 millones en 2023.

• Usuarios de banca móvil: 178,000
• Transacciones bancarias en línea: 22.6 millones anuales
• Tiempo de actividad de la plataforma digital: 99.97%

Gestión de riesgos y monitoreo de cumplimiento

Asignación del presupuesto de cumplimiento: $ 9.7 millones en 2023.

Métrica de gestión de riesgos	Valor
Relación de préstamos sin rendimiento	0.42%
Reserva de pérdida de préstamo	$ 214 millones
Violaciones de cumplimiento	3 infracciones menores

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocio: recursos clave

Red bancaria regional

A partir del cuarto trimestre de 2023, ServiSfirst Bancshares opera en 9 estados del sureste de EE. UU. Con 153 ubicaciones de banca de servicio completo. La presencia geográfica incluye:

Estado	Número de ramas
Alabama	68
Florida	29
Georgia	24
Tennesse	15
Otros estados	17

Gestión y recursos humanos

Total de empleados: 1.252 Al 31 de diciembre de 2023

• Experiencia bancaria promedio de liderazgo superior: 22 años
• TENIUDA DE EQUIPO EJECUTIVO CON SERVISFIRST: promedio de 12.5 años
• Gestión con títulos financieros avanzados: 78%

Infraestructura bancaria digital

Inversión tecnológica en 2023: $ 14.2 millones

• Usuarios de banca móvil: 287,000
• Plataformas de banca en línea: 4 sistemas integrados
• Inversión de ciberseguridad: $ 3.6 millones anuales

Cartera de productos financieros

Categoría de productos	Volumen total (2023)
Préstamos comerciales	$ 12.4 mil millones
Préstamos al consumo	$ 3.7 mil millones
Cuentas de depósito	$ 24.6 mil millones

Capital y estabilidad financiera

Métricas financieras (cuarto trimestre 2023):

• Activos totales: $ 35.2 mil millones
• Relación de capital de nivel 1: 13.6%
• Retorno sobre el patrimonio (ROE): 15.3%
• Margen de interés neto: 3.85%

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, Servisfirst Bancshares reportó $ 34.8 mil millones en activos totales con un enfoque en los servicios bancarios personalizados.

Segmento de clientes	Servicios a medida	Valor de cuenta promedio
Clientes comerciales	Préstamo comercial	$ 2.3 millones
Clientes individuales	Banca personal	$187,500

Tasas de interés competitivas y estructuras de baja tarifa

ServIsfirst ofrece tarifas competitivas en todos los productos bancarios:

• Interés de la cuenta corriente: 0.25% - 1.50%
• Intereses de la cuenta de ahorro: 1.75% - 3.25%
• Tasas de préstamo comercial: 5.75% - 8.50%

Servicio al cliente receptivo y localizado

ServIffirst opera en 8 estados con 116 ubicaciones de banca de servicio completo a partir de 2023.

Región	Número de ramas	Calificación de satisfacción del cliente
Alabama	52	4.6/5
Florida	24	4.5/5

Tecnologías de banca digital avanzadas

Métricas de banca digital para 2023:

• Usuarios bancarios móviles: 285,000
• Volumen de transacciones en línea: 3.2 millones mensuales
• Tasa de adopción de banca digital: 67%

Productos financieros personalizados para segmentos de mercado específicos

La diversidad de productos de ServIsfirst a partir de 2023:

Categoría de productos	Número de productos	Valor total de la cartera
Banca comercial	22 productos distintos	$ 18.6 mil millones
Banca personal	15 productos distintos	$ 12.4 mil millones

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocios: relaciones con los clientes

Enfoque bancario basado en relaciones

A partir del cuarto trimestre de 2023, ServiSfirst Bancshares reportó $ 33.9 mil millones en activos totales y mantuvo una estrategia de banca de relación centrada en el cliente. El enfoque del banco se centra en servicios financieros personalizados en múltiples segmentos de clientes.

Segmento de clientes	Estrategia de relación	Valor de cuenta promedio
Clientes comerciales	Gestión de relaciones dedicada	$ 2.4 millones
Banca personal	Soluciones financieras a medida	$287,000
Clientes comerciales	Servicios bancarios integrales	$ 5.6 millones

Gerentes de relaciones dedicadas para clientes comerciales

ServIsfirst proporciona gestión de relaciones especializada Para clientes comerciales en sus regiones operativas en Alabama, Florida, Georgia, Carolina del Sur y Tennessee.

• Portafolio promedio de gerentes de relaciones: 42 clientes comerciales
• Tasa promedio de retención del cliente: 87.6%
• Promedio de la tenencia del gerente de relaciones: 7.3 años

Soporte bancario en línea y móvil

Las plataformas de banca digital a partir de 2023 informaron las siguientes métricas:

Plataforma digital	Usuarios activos	Transacciones mensuales
Aplicación de banca móvil	186,400 usuarios	2.3 millones de transacciones
Portal bancario en línea	214,700 usuarios	1.9 millones de transacciones

Estrategias de participación centradas en la comunidad

ServIffirst invirtió $ 2.3 millones en iniciativas de participación comunitaria en sus mercados operativos en 2023.

• Soporte de desarrollo económico local: $ 1.2 millones
• Patrocinios de eventos comunitarios: 87 eventos
• Programas de subvenciones de pequeñas empresas: $ 450,000 distribuidos

Servicios de consulta financiera personalizada

ServIsfirst ofrece una consulta financiera integral con métricas de servicios especializados:

Tipo de consulta	Duración promedio	Tasa de satisfacción del cliente
Planificación financiera personal	1.2 horas	92%
Aviso financiero comercial	2.4 horas	89%
Consulta de gestión de patrimonio	1.8 horas	94%

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocios: canales

Plataforma bancaria en línea

A partir del cuarto trimestre de 2023, ServIffirst Bancshares ofrece una plataforma de banca en línea integral con las siguientes características:

Métrica de plataforma	Estadística
Usuarios bancarios en línea activos	127,843
Volumen anual de transacción digital	3.6 millones
Nivel de cifrado de seguridad de plataforma	De 256 bits

Aplicación de banca móvil

La aplicación de banca móvil de ServIsfirst proporciona:

• Depósito de cheque móvil
• Monitoreo de cuentas en tiempo real
• Servicios de pago de facturas
• Transferencias de fondos

Módulo de aplicación móvil	Estadística
Descargas totales de aplicaciones móviles	89,672
Usuarios móviles activos mensuales	62,345

Red de sucursales físicas

ServIsfirst mantiene una presencia de rama específica:

Métrica de la red de sucursal	Estadística
Ramas físicas totales	44
Estados con presencia de ramas	5
Transacciones promedio de ramas diarias	1,287

Centros de llamadas de servicio al cliente

ServIsfirst opera canales de atención al cliente centralizados:

Métrico del centro de llamadas	Estadística
Representantes de servicio al cliente total	126
Tiempo de resolución de llamadas promedio	8.3 minutos
Interacciones anuales de atención al cliente	412,567

Plataformas de comunicación digital

ServIsfirst utiliza múltiples canales de comunicación digital:

• Comunicaciones por correo electrónico
• Mensajes seguros dentro de la plataforma en línea
• Compromiso del cliente de las redes sociales

Métrica de comunicación digital	Estadística
Comunicaciones anuales por correo electrónico	2.1 millones
Recuento de seguidores en las redes sociales	37,845

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocios: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, ServIsfirst atiende a aproximadamente 15.500 clientes comerciales pequeños a medianos en su huella operativa.

Segmento de negocios	Conteo de clientes	Tamaño promedio del préstamo
Servicios profesionales	3,750	$475,000
Negocios minoristas	4,200	$325,000
Fabricación	2,850	$625,000
Cuidado de la salud	2,700	$550,000
Tecnología	1,950	$750,000

Inversores inmobiliarios comerciales

ServIsfirst administra una cartera de bienes raíces comerciales valorada en $ 4.3 mil millones al 31 de diciembre de 2023.

• Préstamos inmobiliarios comerciales totales: $ 3.9 mil millones
• Tamaño promedio del préstamo: $ 2.1 millones
• Concentración geográfica: Alabama, Florida, Georgia, Tennessee y Texas

Clientes de banca minorista individual

Total de los clientes de la banca minorista: 87,500 a partir del cuarto trimestre de 2023.

Tipo de cliente	Número de clientes	Saldo de cuenta promedio
Cuentas corrientes	62,300	$18,750
Cuentas de ahorro	45,200	$35,600
Préstamos personales	22,100	$42,500

Individuos de alto nivel de red

ServIffirst atiende a 2,350 clientes individuales de alto valor de la red con activos totales bajo administración de $ 1.2 mil millones.

• Piso neto promedio del cliente: $ 5.1 millones
• Servicios de gestión de patrimonio ofrecidos
• Planificación financiera personalizada

Organizaciones comunitarias locales

ServIsfirst apoya a 650 organizaciones comunitarias locales con servicios bancarios especializados.

Tipo de organización	Número de clientes	Inversiones comunitarias totales
Organizaciones sin fines de lucro	275	$ 42.5 millones
Instituciones educativas	185	$ 28.3 millones
Organizaciones religiosas	190	$ 22.7 millones

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocio: Estructura de costos

Personal y compensación de empleados

A partir del informe anual de 2022, ServiSfirst Bancshares informó que los gastos totales de personal de $ 271.3 millones. Desglose de la estructura de compensación incluye:

Categoría de compensación	Monto ($)
Salarios	198,450,000
Beneficios	52,670,000
Compensación basada en acciones	20,180,000

Tecnología e inversiones en infraestructura digital

Los gastos de tecnología para 2022 totalizaron $ 43.2 millones, con áreas de enfoque clave:

• Infraestructura de ciberseguridad: $ 12.5 millones
• Actualizaciones de la plataforma de banca digital: $ 15.7 millones
• Mantenimiento del sistema bancario central: $ 8.9 millones
• Análisis de datos e inversiones de IA: $ 6.1 millones

Operaciones y mantenimiento de la sucursal

Los costos operativos relacionados con las sucursales para 2022 ascendieron a $ 87.6 millones, que incluyen:

Categoría de gastos	Monto ($)
Alquiler e instalaciones	34,200,000
Utilidades	9,750,000
Mantenimiento del equipo	16,480,000
Seguridad de la rama	7,170,000

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento para 2022 fueron de $ 37.5 millones, estructurados de la siguiente manera:

• Informes legales y regulatorios: $ 15.3 millones
• Salarios del personal de cumplimiento: $ 12.7 millones
• Auditoría y gestión de riesgos: $ 9.5 millones

Costos de marketing y adquisición de clientes

Los gastos de marketing para 2022 totalizaron $ 22.8 millones, asignados en todos los canales:

Canal de marketing	Monto ($)
Marketing digital	8,900,000
Publicidad de medios tradicional	6,750,000
Campañas de adquisición de clientes	5,400,000
Patrocinios y eventos comunitarios	1,750,000

SERVISFIRST BANCSHARES, Inc. (SFBS) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos e inversiones

Para el año fiscal 2023, informó ServiSfirst Bancshares $ 682.4 millones En ingresos por intereses netos. El desglose de los activos de ingreso de intereses incluye:

Categoría de activos	Valor total
Préstamos comerciales	$ 8.93 mil millones
Préstamos inmobiliarios	$ 6.47 mil millones
Valores de inversión	$ 2.61 mil millones

Servicios basados ​​en tarifas

Los ingresos de tarifas para 2023 totalizaron $ 153.2 millones, con fuentes de ingresos principales que incluyen:

• Cargos de servicio en cuentas de depósito
• Tarifas de transacción con tarjeta de crédito
• Tarifas de fondos sobrevaloración y no suficiente

Ingresos de transacciones de banca comercial

Los ingresos por transacciones de banca comercial para 2023 alcanzaron $ 87.6 millones, con segmentos clave:

Tipo de transacción	Ganancia
Transacciones ACH	$ 24.3 millones
Tarifas de transferencia de cables	$ 19.7 millones
Servicios comerciales	$ 43.6 millones

Tarifas de servicio de gestión de patrimonio

Servicios de gestión de patrimonio generados $ 42.5 millones en ingresos durante 2023, incluyendo:

• Tarifas de asesoramiento de inversiones
• Gestión de cuentas de jubilación
• Servicios de planificación de fideicomiso y patrimonio

Ingresos de gestión del Tesoro

Servicios de gestión del tesoro contribuidos $ 36.8 millones a los ingresos del banco en 2023, con servicios primarios:

Servicio del tesoro	Ganancia
Gestión de efectivo	$ 15.6 millones
Servicios de liquidez	$ 12.4 millones
Soluciones de gestión de riesgos	$ 8.8 millones

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Value Propositions

For commercial and professional clients, ServisFirst Bancshares, Inc. delivers a high-touch, relationship-based service model, empowering local decision-making to provide fast, flexible financial solutions without the bureaucracy of larger institutions. This focus on personalized service is a core differentiator in the Southeastern markets where ServisFirst Bancshares, Inc. operates.

The value proposition includes streamlined electronic banking services, ensuring clients can manage their finances efficiently. These offerings specifically feature Internet banking, mobile banking, and remote deposit capture capabilities. The bank also delivers sophisticated treasury and cash management services.

ServisFirst Bancshares, Inc. provides competitive commercial loan products, which is evidenced by strong organic growth. For the third quarter of 2025, loans grew by 7.9% year-over-year. Ending total loans for the third quarter of 2025 stood at $13.31 billion, up from $12.34 billion for the third quarter of 2024.

A distinct value component is the correspondent banking services offered to smaller financial institutions. The Correspondent Banking Division serves over 386 community financial institutions.

The underlying financial strength and operational efficiency support these client-facing value propositions:

Metric	Value (Q3 2025)	Comparison/Context
Ending Total Loans	$13.31 billion	Up 7.9% year-over-year from Q3 2024
Total Assets	Exceeds $18 billion	Indicates scale to support sophisticated offerings
Efficiency Ratio	35.22%	Improved from 36.90% in Q3 2024
Adjusted Efficiency Ratio	33.31%	Reflects lean-operating model
Return on Average Common Stockholders' Equity	14.88%	Strong profitability metric
Correspondent Banks Served	Over 386	Scale of the 'Bank for Banks' division

The bank's technology focus complements its personal service:

• Online and mobile banking access.
• Remote deposit capture functionality.
• Treasury and cash management products.

The company's success is tied to its disciplined approach to growth, which has resulted in all regions and markets being solidly profitable as of the third quarter of 2025, with newer offices reaching profitability.

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Customer Relationships

The ServisFirst Bancshares, Inc. customer relationship strategy centers on high-touch, localized service, which is supported by tangible growth in its core business and fee-based services as of late 2025.

Dedicated relationship managers for commercial and private banking clients

ServisFirst Bancshares, Inc. supports its relationship model through personnel additions to drive organic growth. The company announced the hiring of 7 new producers in the second quarter of 2025. This investment in revenue generators is aimed at expanding the client base, as the Chairman, President, and CEO noted a focus on looking at opportunities for new and expanded customer relationships. The success of this localized staffing approach is evidenced by the fact that all of the operating markets reached profitability in the third quarter of 2025.

High-touch, advisory-style service model for complex business needs

The advisory style is reflected in the growth of fee income derived from specialized banking services. Mortgage banking revenue for the third quarter of 2025 was $1.9 million, marking an increase of 37.9% year-over-year. Similarly, net credit card income reached $2.4 million in the third quarter of 2025, which was a 24.9% increase from the third quarter of 2024. The overall loan pipeline strength, with an increase of over 10% in October 2025 compared to September 2025, and 40% higher than one year ago, suggests strong engagement with potential complex business needs.

The success in growing core business lines, which are relationship-driven, is evident in the year-over-year balance sheet expansion as of the third quarter of 2025:

Metric	Q3 2025 Value	Year-over-Year Growth
Ending Total Loans	$13.31 billion	7.9%
Ending Total Deposits	$14.11 billion	7.3%

Localized decision-making to ensure fast, responsive service

The commitment to localized decision-making helps maintain agility. This focus contributes to the overall efficiency of the organization. The reported efficiency ratio for the third quarter of 2025 was 35.22%, an improvement from 36.90% in the third quarter of 2024. The adjusted efficiency ratio for the third quarter of 2025 was 33.31%.

Digital self-service options for routine transactions (online/mobile)

ServisFirst Bancshares, Inc. supports routine transactions with electronic banking services, including online and mobile banking, and remote deposit capture. The bank also manages pricing on deposit products, having increased service charge rates on many checking account products in July of 2025. Service charges on deposit accounts for the third quarter of 2025 totaled $3.32 million.

The growth in non-interest income streams, which often incorporate digital components, is notable:

• Net credit card income for Q3 2025 was $2.4 million.
• Mortgage banking revenue for Q3 2025 was $1.9 million.
• Increase in cash surrender value life insurance income for Q3 2025 was $2.41 million.

Finance: draft Q4 2025 cash flow projection by Monday.

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Channels

ServisFirst Bancshares, Inc. uses a multi-channel approach centered on physical presence and modern electronic capabilities to serve its commercial and consumer base across the Southeastern US. The core delivery mechanism remains the full-service banking offices, which support the bank's focus on commercial banking, private banking, and treasury management services. As of mid-2025, ServisFirst Bank reported having 34 banking locations across its operating states, supporting an asset base that exceeded $18 billion.

State/Region	Primary Channel Type	Asset/Market Context (as of mid-2025)
Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, Virginia	Full-Service Banking Offices	Presence across 7 states.
Memphis, Tennessee	Loan Production Office / Full-Service Branch	Expanded footprint with a team of 12 veteran bankers in the East Memphis location.
Auburn, Alabama	Full-Service Office (Relocated)	Relocated to a new, larger space in September 2025 to support the growing Auburn-Opelika market.

The strategy includes targeted physical expansion through loan production offices (LPOs) in key growth markets, which act as initial beachheads before establishing full-service capabilities. The Memphis, Tennessee market, for example, began with an LPO in early 2024 before transitioning its team to a full-service branch offering retail banking. Similarly, the Auburn, Alabama office, which joined in 2024, reinforced its physical channel by relocating to an upgraded space in September 2025. This shows a deliberate, phased approach to market penetration.

The electronic banking platform provides the necessary technological layer to support modern client needs, offering services such as online banking, mobile banking, and remote deposit capture. This digital channel is critical, as market data from 2025 suggests that a significant majority, specifically 77 percent of U.S. adults, prefer to manage their bank accounts through a mobile app or a computer. ServisFirst Bancshares, Inc. emphasizes the secure processing and transmission of information across these online and mobile channels.

The direct sales force is embodied by the bank's experienced bankers who focus on developing and maintaining long-term relationships with commercial and professional clients. This relationship-based model is the engine driving the bank's growth metrics. For the third quarter of 2025, this channel focus translated into a year-over-year increase in total loans of 7.9% and a deposit increase of 7.3%. The bank supports this decentralized decision-making process with a uniform, centralized back office risk and credit platform.

• Commercial Banking services offered through physical and digital channels.
• Treasury Management services delivered via online platforms and in-person support.
• Correspondent Banking services provided to over 386 community banks across the country.
• Credit Card Services, including Commercial Purchasing Cards.

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Customer Segments

ServisFirst Bancshares, Inc. focuses its commercial banking efforts on the middle market clients in its footprint. This concentration is evident in the lending structure, which prioritizes business relationships.

The primary business customer base is served through commercial lending, which, along with financial and agricultural loans, comprised $2,966,191 thousand of the total loan portfolio as of June 30, 2025. This segment is managed with specific thresholds for approval and monitoring.

• Lending relationships up to $5MM are approved by Regional CEO and credit officers.
• Relationships greater than $5MM require approval from the Chief Credit Officer (CCO) and/or executive management.
• The bank maintains centralized monitoring for Asset-Based Lending (ABL) relationships greater than $2MM.

The composition of the loan portfolio as of June 30, 2025, shows a significant concentration in real estate-related lending, which directly serves commercial real estate investors and developers, alongside other business types.

Loan Category (as of 6/30/2025)	Amount (in Thousands USD)	Portfolio Percentage (Top 3 Industries)
Real Estate (Total Exposure)	N/A	36%
Commercial, Financial and Agricultural	$2,966,191	N/A
Real Estate - Construction	$1,735,405	N/A
Service Industry (C&I and C&I OOCRE)	N/A	13%
Retail (C&I and C&I OOCRE)	N/A	17% (within C&I/OOCRE)

The segment for professionals and affluent consumers is supported through the bank's Private Banking and Personal Banking services. While specific consumer deposit or loan figures for this segment aren't explicitly broken out, the Health Care industry, which often includes medical practices, represents 9% of the top C&I and Commercial Real Estate Owner-Occupied (C&I OOCRE) portfolio industries as of June 30, 2025.

ServisFirst Bancshares, Inc. also serves other financial institutions via its Correspondent Banking Division. This division is explicitly noted as providing an additional stable funding source for the bank. As of June 30, 2025, the total deposits from correspondent relationships were substantial.

• Correspondent Banking Fed Funds Purchased balance: $1,599,135 thousand.
• Correspondent Banking Interest Bearing Deposits: $577,960 thousand.
• Correspondent Banking Non-Interest Bearing Deposits: $320,344 thousand.
• Total Correspondent Banking Relationships: 385.

The overall scale of the bank, which services these segments, had Total Assets of $17,378,628 thousand and Total Deposits of $13,862,319 thousand at June 30, 2025. Finance: draft 13-week cash view by Friday.

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive ServisFirst Bancshares, Inc.'s operations as of late 2025. For a bank, the biggest cost is almost always the money it pays out to secure its funding base.

Primary cost driver is Interest Expense on deposits and borrowings. This is the cost of money ServisFirst Bancshares, Inc. uses to fund its loan book. For the third quarter of 2025, the reported Interest Expense on Debt was $117.86M. This expense is directly tied to the liabilities ServisFirst Bancshares, Inc. carries, such as customer deposits and wholesale funding. As of June 30, 2025, total Interest-bearing deposits stood at $11,230,261,000, and Federal funds purchased, a form of borrowing, totaled $1,599,135,000. The average rate paid on interest-bearing deposits in Q2 2025 was 3.33%.

Personnel costs are the next significant outlay, reflecting the bank's focus on experienced lending and management teams. You need good people to originate and manage credit risk effectively. For the third quarter of 2025, Salaries and employee benefits totaled $25,522,000. To give you a comparison, in the second quarter of 2025, the salary and benefit expense was reported as $22.6 million.

The bank maintains a lean operational footprint, which shows up in a low noninterest expense profile. This is evidenced by a sector-leading efficiency ratio. The efficiency ratio for the third quarter of 2025 was reported at 35.22%, which is quite strong. The adjusted efficiency ratio for that same period was even better at 33.31%. For context, the efficiency ratio in Q2 2025 was 33.46%.

Credit quality management requires setting aside funds for potential losses, which is the Provision for Credit Losses (PCL). This is a direct cost against earnings based on risk assessment. ServisFirst Bancshares, Inc. recorded a Provision for Credit Losses of $11.4 million in Q2 2025. That was a notable increase from the $6.5 million recorded in Q1 2025.

Here's a quick look at some key expense and efficiency metrics across recent quarters:

Metric	Q3 2025	Q2 2025	Q1 2025
Efficiency Ratio (Reported)	35.22%	33.46%	34.97%
Provision for Credit Losses (PCL)	Not specified for Q3	$11.4 million	$6.5 million
Salaries & Benefits Expense (in millions)	$25.522	$22.6	Not specified

The noninterest expense breakdown for Q3 2025 also shows other operational costs you should track:

• Equipment and occupancy expense was $3,615,000.
• Third party processing and other services cost $8,095,000.
• Professional services amounted to $1,857,000.

Other operating expenses for Q3 2025 were $6.1 million, up 12.3% from Q2 2025's $5.4 million.

Finance: draft 13-week cash view by Friday.

ServisFirst Bancshares, Inc. (SFBS) - Canvas Business Model: Revenue Streams

You're looking at how ServisFirst Bancshares, Inc. (SFBS) actually brings in its money as of late 2025. Honestly, for a bank, it boils down to two main buckets: the money made from lending and the fees collected for services. The core engine is definitely the interest spread.

The biggest piece of the pie comes from Net Interest Income (NII) from loans. For the third quarter of 2025, this figure stood at $133.4 million. That number shows you the difference between what ServisFirst Bancshares earns on its assets, like loans, and what it pays out on its liabilities, like deposits. It's the bread and butter, no question.

The second bucket, Non-interest income, is smaller but important for diversification. ServisFirst Bancshares continues to focus on growing this area, especially through its treasury management and merchant services offerings. Here's a breakdown of the key components we saw in Q3 2025:

Revenue Component	Q3 2025 Amount
Net Interest Income (NII)	$133.4 million
Service Charges on Deposit Accounts	$3.32 million
Net Credit Card Income	$2.41 million
Mortgage Banking Revenue	$1.9 million
Bank-Owned Life Insurance Income	$2.41 million

You can see that service charges on deposit accounts are a steady contributor. ServisFirst Bancshares actually increased its service charge rates on many checking account products in July of 2025, which helped push this number up. The reported figure for service charges on deposit accounts in Q3 2025 was $3.32 million.

The fee income from treasury management and merchant services is bundled into the overall non-interest income, but management continues to emphasize growth in these areas. For context, the total reported Non-interest income for Q3 2025 was $2.83 million, though this figure is sometimes presented differently depending on what specific items are included or excluded in management's non-GAAP reporting.

Credit card income is a specific, growing stream within those fees. For the third quarter of 2025, net credit card income was reported at $2.41 million. That's a solid increase year-over-year, showing that their focus on expanding those customer relationships is paying off in fee generation.

To summarize the non-interest income streams that are explicitly tracked:

• Service charges on deposit accounts: $3.32 million.
• Net credit card income: $2.41 million.
• Bank-owned life insurance income: $2.41 million.
• Mortgage banking revenue: $1.9 million.

The NII makes up the vast majority of the revenue, but these fee-based services provide important, less interest-rate-sensitive income to the business.

Finance: draft a sensitivity analysis on NII if the Net Interest Margin drops by 10 basis points by year-end.