HIGHBuilt-inLoan_portfolio
65.8%
commercial and consumer real estate loans
“10-K Item 1A: '65.8% of our loan portfolio was composed of commercial and consumer real estate loans'”
SFBS · Concentration risk · 10-K extracted
ServisFirst Bancshares (SFBS) concentration risks
Updated
The most significant concentration ServisFirst Bancshares discloses is commercial and consumer real estate loans at 65.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: ServisFirst Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH1
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
33.6%
non-owner-occupied commercial real estate
“10-K Item 1: 'non-owner-occupied commercial real estate amounted to approximately $4.60 billion, representing 33.6% of our total loan portfolio'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile is confined to the loan book, where real estate exposures account for the dominant share. Commercial and consumer real estate loans together composed 65.8% of the total loan portfolio, a high-share structural exposure that reflects the bank's deliberate focus on real estate lending across its footprint. This is structural in character — the composition reflects the bank's underwriting strategy and market positioning rather than a dependency on any single borrower, geography, or industry sector. Within that aggregate, non-owner-occupied commercial real estate represents approximately $4.60 billion and 33.6% of the total loan portfolio, a moderate-share subset with structural character. Non-owner-occupied commercial real estate is generally considered higher risk than owner-occupied loans because repayment depends on rental income and property-level cash flows rather than on the operating business of the borrower, making it more sensitive to vacancy rates and commercial property market cycles. The two exposures nest inside each other: the moderate-share non-owner-occupied CRE concentration sits within the high-share broader real estate concentration, meaning a commercial property market downturn would affect the portfolio on both dimensions simultaneously. The absence of disclosed customer, geographic, or counterparty concentration suggests the risk is primarily macro and sector-driven rather than idiosyncratic, but the real estate tilt is the dominant variable for credit-quality analysis and is worth tracking relative to regulatory CRE concentration guidelines.
For the engine’s reasoning on SFBS’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| SFBS● | ServisFirst Bancshares, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.