ServisFirst Bancshares is a bank holding company that operates full-service banking offices across a seven-state region, providing lending services, deposit products, and banking services to small- and medium-sized businesses and consumers. The company generates revenue primarily through interest and fees on commercial and real estate loans, consumer lending, deposit products, and service charges on checking and savings accounts, credit cards, and treasury services. The company differentiates itself through a decentralized decision-making structure that emphasizes local relationships and quick credit decisions while maintaining centralized risk management and operating a limited but high-productivity branch network.