ServisFirst Bank Third Quarter Newsletter: Happenings & Successes

ServisFirst Bank clients, prospects, directors and supporters,

The third quarter of 2025 continued to showcase ServisFirst Bank's steady growth and industry leadership. This quarter, ServisFirst BancShares, Inc. (SFBS) earned national recognition in Bank Director's 2025 RankingBanking report, placing among the Top 20 U.S. Banks overall and the Top 15 U.S. Banks with $5 billion to $50 billion in assets. As the only Alabama-based bank included in both categories, this achievement reflects our disciplined management, sustainable growth, and continued commitment to delivering long-term value.

Beyond these achievements, we welcomed new talent to our team, expanded our Advisory Board, and celebrated the relocation of our Auburn-Opelika office, further strengthening our presence and relationships across key markets.

As we close another strong quarter, we remain focused on what has guided us from the beginning: providing efficient, relationship-driven banking solutions that help our clients, employees, and communities thrive.

EARNINGS

ServisFirst Bancshares, Inc. Announces Results

For Third Quarter of 2025

Third Quarter 2025 Highlights

Diluted earnings per share of $1.20 for the quarter. Adjusted diluted earnings per share of $1.30, up 18.2% from the third quarter of 2024.
Net interest margin of 3.09%, up 25 basis points from the third quarter of 2024.
Loans grew by $973.7 million, or 7.9%, year-over-year.
Book value per share of $32.62, up 13.3% from the third quarter of 2024 and 13.8% annualized, from the second quarter of 2025.
Liquidity remains strong with $1.77 billion in cash and cash equivalent assets, 10.1% of our total assets, and no FHLB advances or brokered deposits.
Consolidated common equity tier 1 capital to risk-weighted assets increased from 11.25% to 11.49% year-over-year.
3Q2025 return on average common stockholders’ equity of 14.88%. Adjusted 3Q2025 return on average common stockholders’ equity improved to 16.21% for the third quarter of 2025 compared to 15.68% for the second quarter of 2025 and 15.55% for the third quarter of 2024.

More detailed financials are linked below.

ANNOUNCEMENTS

ServisFirst Bancshares, Inc. Earns National Recognition in Bank Director's 2025 RankingBanking Report

ServisFirst Bancshares, Inc. (SFBS) has been nationally recognized this quarter as one of the Top 20 U.S. Banks in Bank Director's 2025 RankingBanking report. The annual ranking evaluates companies based on core return on assets, core return on equity, and other asset-quality metrics to assess performance and stability across the industry. SFBS was also ranked among the Top 15 U.S. Banks with $5 billion to $50 billion in assets, further demonstrating the Bank's financial strength and consistent performance across key metrics.

As the only Alabama-based bank included in both categories, this distinction highlights ServisFirst Bancshare's strong asset management, strategic vision, and disciplined approach to growth. This recognition reinforces the Bank's long-term commitment to delivering value for shareholders and sustaining high performance among the nation's leading financial institutions.

ServisFirst Bank Auburn-Opelika Relocates to

New Office Space

ServisFirst Bank recently relocated its Auburn-Opelika office to a larger, more accessible space found at 2320 Moores Mill Road, Suite 100, Auburn, AL 3683. The move reflects the bank's dedication to serving clients with convenience and excellence while supporting the continued growth of the Auburn-Opelika market.

The new office provides an upgraded environment designed to enhance both client experience and operational efficiency. "Our team is excited to welcome clients into our new office," said David Reaves, ServisFirst Bank Auburn-Opelika Market President. "This relocation allows us to serve the community in an even more accessible and efficient way, while continuing to deliver the high level of personal service that defines ServisFirst Bank."

The relocation enhances ServisFirst Bank's commitment to growth, client service, and community engagement. By expanding and improving its Auburn-Opelika office, the Bank continues to provide the personalized and relationship-focused banking experience that has earned trust and loyalty across the region.

ServisFirst Bank Huntsville Welcomes Sameer Singhal as New Member of Advisory Board

ServisFirst Bank is pleased to announce the addition of Sameer Singhal to the ServisFirst Bank Huntsville Advisory Board.

“We’re thrilled to welcome Sameer to our advisory board,” states Andy Kattos, Regional CEO of ServisFirst Bank Huntsville. “He brings a unique perspective from the government contracting industry and technology world, and his deep involvement in Huntsville’s business community makes him a fantastic addition to our team. We’re excited to collaborate with him as we continue growing in North Alabama.”

Sameer Singhal, Advisory Board Member

Singhal is the President and CEO of CFD Research, where he leads the company’s strategic vision and long-term growth. Since joining CFD Research in 2008, he has held a variety of leadership roles before becoming CEO in 2016. Under his guidance, the company has continued to fulfill its mission of transforming cutting-edge R&D into real-world solutions that serve the needs of end users in defense, aerospace, energy, life sciences, and beyond. Prior to CFD Research, Singhal spent seven years at Nitronec Corporation, a venture-backed semiconductor startup in Raleigh, North Carolina, where he helped guide early-stage technologies through to commercial product launch. Singhal holds a Bachelor of Science from Georgia Tech and a Master of Science from Stanford University, both in Materials Science and Engineering. He is the author of more than 30 peer-reviewed publications and holds eight issued patents with another eight pending. In addition to his professional accomplishments, Singhal remains deeply engaged in the Huntsville business community, especially through his involvement in the local Chamber of Commerce, where he served as Board Chair in 2024, and the region’s GovCon ecosystem.

ServisFirst Bank Earns Endorsement

from Ohio Bankers League

ServisFirst Bank has received exclusive statewide endorsement from the Ohio Bankers League (OBL) for its Agent Credit Card program. The program allows OBL member banks to offer credit cards to their customers under their own branding through a turnkey, all-inclusive solution.

“OBL is pleased to endorse ServisFirst Bank’s agent credit card program through a partnership with the American Bankers Association,” said Michelle Crume of the Ohio Bankers League. “ServisFirst is a trusted business partner, offering a robust suite of services that provides Ohio banks with a comprehensive solution to meet the credit card needs of both commercial and retail customers.”