ServisFirst Bank is an FDIC-insured regional bank offering commercial, personal, and correspondent banking services with $17.73B in total assets.
Editorially reviewed by Harvey Brooks
ServisFirst Bank operates as a publicly traded regional bank (NYSE: SFBS) headquartered in Huntsville, Alabama. The bank positions itself as a relationship-focused institution emphasizing personalized service and direct access to commercial bankers for business clients. With $17.73 billion in total assets and $14.22 billion in total deposits, ServisFirst maintains a strong capital position and has achieved recognition as the #5 top publicly traded bank in the $10-50 billion asset range.
The bank offers three primary banking categories: Commercial Banking with dedicated commercial bankers, Treasury Management services, and Small Business Loans including SBA programs and equipment financing. For business clients specifically, ServisFirst provides Commercial Purchasing Cards with customizable spending limits, fraud prevention tools (positive pay and ACH fraud protection), Business Checking accounts with online access, and Remote Deposit capabilities. On the personal banking side, the institution provides standard checking and savings products, though the website emphasizes commercial and small business solutions more heavily.
ServisFirst differentiates itself through its "Commercial Banker" model—assigning dedicated relationship managers to business accounts rather than routing inquiries through call centers. The bank emphasizes real-time account visibility, automated payment processing, cash flow forecasting, and integrated fraud prevention. Their ranking at #15 on Forbes' 2023 "America's Best Banks" list and 16.05% return on average equity suggest strong financial performance and operational efficiency compared to peer institutions.
The primary limitation is that ServisFirst appears regionally focused with physical locations (mentioned but not detailed on the website), potentially limiting accessibility for consumers outside their service areas. The website provides minimal information about personal banking products, suggesting this is not their primary market focus. Pricing details for services, specific loan terms, and comprehensive fee schedules are not disclosed on the public website, requiring direct contact with the bank for transparent cost information.
Yes. Servisfirst Bank is a registered company headquartered in Birmingham, AL, founded in 2005. They hold a rating with the Better Business Bureau.
Account opening typically takes 1-3 business days. Loan decisions vary by product.
CreditDoc Diagnosis
ServisFirst Bank is best for small to mid-sized business owners and commercial enterprises seeking relationship-based banking with dedicated account managers, Treasury Management tools, and SBA lending options. The main caveat is that this is a regionally-focused institution with limited public transparency on personal banking features and pricing—consumers outside their service areas or seeking robust personal banking products should verify service availability and compare offerings with national or neobank alternatives.
FDIC-insured community bank based in Birmingham, AL offering personal and business banking with online and mobile services designed around local community investment.
Best for: Birmingham-area residents and businesses who prioritize community investment and local economic impact, Small business owners seeking relationship banking with lenders who understand local market conditions
Oakworth Capital Bank is an FDIC-insured regional bank offering commercial banking, wealth management, and advisory services with emphasis on personalized client relationships.
Best for: Closely held business owners and entrepreneurs needing specialized commercial banking guidance, High-net-worth individuals seeking personalized wealth management and estate planning services
Unable to verify company details due to website access restriction (403 Forbidden error). Cannot confirm Southpoint Bank's current operations or services.
Best for: Local banking with personal service, FDIC-insured deposits
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Servisfirst Bank and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.