ServisFirst Bancshares ranks sixth among top US banks
- ServisFirst Bancshares ranked sixth among US banks with $10B-$50B assets
- Three-year average ROAE stood at 15.39% using year-end 2025 data
- 2025 net interest margin reported at 3.12%
- Top performers credited with higher share of low-cost demand deposits
- Institution holds $18 billion in total assets
*this image is generated using AI for illustrative purposes only.
ServisFirst Bancshares (NYSE: SFBS) has been ranked sixth among the top-performing United States banks with between $10 billion to $50 billion in assets, according to American Banker’s annual list. The ranking is based on data from year-end 2025.
The Birmingham-based institution slipped one position from fifth place in the previous year’s ranking, which was based on year-end 2024 data. The list was compiled by consulting firm Capital Performance Group, which evaluated banks based on their three-year average return on average equity (ROAE).
Key Financial Metrics
ServisFirst Bancshares, an $18 billion-asset institution, reported strong efficiency metrics underpinning its ranking.
| Metric | Value |
|---|---|
| Three-year average ROAE | 15.39% |
| 2025 Net Interest Margin | 3.12% |
| Total Assets | $18 billion |
Tom Broughton, ServisFirst Bank Chairman, President, and CEO, attributed the recognition to the team’s consistency and commitment. He stated that performance is rooted in customer focus, thoughtful decision-making, and maintaining high standards since the bank’s founding.
Funding Strategy Drives Performance
Claude Hanley, founder and partner at Capital Performance Group, highlighted funding as a key differentiator for top-performing banks. He noted that the top 10 banks held a larger share of low-cost demand deposits, such as checking and money market accounts. This provided a cheaper source of funding for loans, helping preserve margins even as interest rates declined.
Hanley added that there was no significant turnover among the top 10 performers, indicating that these institutions outperformed in almost every aspect over time.
What the Numbers Show
The combination of a 15.39% three-year average ROAE and a 3.12% net interest margin for 2025 suggests that ServisFirst has successfully maintained profitability despite broader industry pressures on margins. The reliance on low-cost demand deposits, as noted by Capital Performance Group, appears to be a critical factor in sustaining this ROAE level within the $10 billion to $50 billion asset tier.
How might ServisFirst's reliance on low-cost demand deposits be tested if the Federal Reserve accelerates interest rate cuts in 2026?
What specific strategic initiatives is ServisFirst pursuing to maintain its ROAE advantage against larger regional competitors in the $10B-$50B asset tier?
Could the lack of turnover among the top 10 performers indicate a consolidation trend where smaller banks struggle to compete with established funding models?
18
Create Custom Screeners 
Access 200+ Pre-built Filters 
Use 50+ Readymade Screener 
