ServisFirst Bancshares is a Birmingham, Alabama-based commercial bank holding company focused on serving small- and medium-sized businesses, their owners, and professional service firms across the southeastern U.S. ServisFirst operates 33 full-service banking offices across Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia, deliberately running a lean branch footprint rather than a dense retail network. The bank targets owner-managed businesses and established real estate developers, with roughly 80% of new business coming from referrals. ServisFirst's loan book is the core earnings driver, with the portfolio concentrated in commercial real estate, owner-occupied CRE, and residential mortgage, though management is actively shifting the mix toward C&I lending, which grew nearly 10% in 2025. The bank makes money primarily through net interest income — the spread between loan and investment yields and deposit costs — and funds itself almost entirely through core deposits, with no brokered deposits or FHLB borrowings. Beyond core commercial banking, ServisFirst operates a correspondent banking business serving roughly 388 community banks and a mortgage banking operation that sells most fixed-rate production into the secondary market. ServisFirst runs a lean centralized back office in Birmingham, with local bankers empowered to make credit decisions, supporting an efficiency ratio below 32%. The bank grows organically by hiring experienced commercial bankers and opening de novo offices, most recently launching a nine-person C&I-focused team in Houston, Texas — its first major push outside the Southeast.