ServisFirst Bancshares, Inc. Earnings Summary — Q2 FY2026

• Diluted EPS grew 40% year-over-year to $1.57, or 30% on an adjusted basis, driven by strong margin expansion and asset growth.
• Net interest margin (NIM) showed significant strength at 3.63%, rising 10bps sequentially and 53bps year-over-year.
• Loan growth was robust at $533 million for the quarter, representing a 15% annualized growth rate.
• Efficiency remained industry-leading with the efficiency ratio falling below 30% (29.65%).
• Asset quality remains stable with net charge-offs to average loans improving to 0.11% from 0.25% in the prior quarter.
• Significant growth was seen in mortgage banking (up 68% YoY) and credit card income (up 18% YoY).
• The bank maintains a fortress balance sheet with $1.46 billion in cash and no FHLB advances or brokered deposits.

Management noted record levels in the loan pipeline and positive growth momentum across virtually all geographic markets, particularly highlighting the full impact of the Houston market expansion.

Improving

The bank is successfully transitioning out of the rate-pressure cycle of 2023, with NIM expanding significantly and loan pipelines hitting record highs.

The company is positioned for continued expansion through its branchless model, benefiting from high-touch commercial service and a record pipeline in its diverse Southeastern and Texas markets.