Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $13.9bn book; 36.6% of deposits sit in high-growth markets; the largest market is 33.0% of the book; 0 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 22 markets · 12 citations, every one resolved against the computed rows
22 markets
14 of 22
Deposits are this bank’s pro forma SOD book in each market, not market size. Birmingham’s 9.4% is share of that metro; 32.9% is share of ServisFirst Bank’s own book.
Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.
Footprint map
Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.
Shading: Bank deposits (current) (US dollars) · sequential ramp · 22 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
ServisFirst Bank (cert 57993) · 22 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC
Loading county geometry…
Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.
Birmingham, AL is a growth market where the franchise is already established (Entrenched Leader).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Huntsville, AL is a growth market where the franchise is already established (Entrenched Leader).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Atlanta-Sandy Springs-Roswell, GA is a growth market where the franchise is already established (Established - Mature).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Montgomery, AL scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Memphis, TN-MS-AR scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Virginia Beach-Chesapeake-Norfolk, VA-NC scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.
Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.
Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.
22 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden
CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Birmingham, AL | 13820 | AL | Major Metro | Medium | Entrenched Leader | $1.5bn | 9.3% | $4.6bn | 9.4% | +152 bps | +0.06 | ||
| Montgomery, AL | 33860 | AL | Secondary Metro | Medium | Entrenched Leader | $695.7m | 12.1% | $1.4bn | 19.4% | +731 bps | -0.13 | ||
| Huntsville, AL | 26620 | AL | Secondary Metro | High | Entrenched Leader | $637.3m | 6.2% | $1.3bn | 11.8% | +59 bps | +1.57 | ||
| Atlanta-Sandy Springs-Roswell, GA | 12060 | GA | Major Metro | Medium | Established - Mature | $525.6m | 21.0% | $1.1bn | 3.4% | +39 bps | +0.20 | ||
| Dothan, AL | 20020 | AL | Small Metro | Medium | Entrenched Leader | $461.3m | 7.2% | $922.6m | 26.8% | +503 bps | +0.19 | ||
| North Port-Bradenton-Sarasota, FL | 35840 | FL | Secondary Metro | High | New Entrant | $450.0m | 63.0% | $900.0m | 4.8% | +478 bps | +1.76 | ||
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34980 | TN | Major Metro | High | Established - Mature | $782.7m | 21.4% | $782.7m | 1.4% | +27 bps | +1.36 | ||
| Mobile, AL | 33660 | AL | Secondary Metro | Medium | Expanding | $327.8m | 14.1% | $655.6m | 6.5% | +177 bps | +0.10 | ||
| Pensacola-Ferry Pass-Brent, FL | 37860 | FL | Secondary Metro | High | Entrenched Leader | $322.2m | 9.1% | $644.5m | 10.2% | +95 bps | +0.84 | ||
| Tampa-St. Petersburg-Clearwater, FL | 45300 | FL | Major Metro | High | Established - Mature | $464.0m | 35.5% | $464.0m | 1.0% | +18 bps | +1.09 | ||
| Charleston-North Charleston, SC | 16700 | SC | Secondary Metro | High | Expanding | $187.7m | 22.2% | $375.4m | 1.8% | +22 bps | +1.32 | ||
| Daphne-Fairhope-Foley, AL | 19300 | AL | Secondary Metro | High | New Entrant | $122.5m | 45.2% | $122.5m | 1.8% | +98 bps | +1.92 | ||
| Tallahassee, FL | 45220 | FL | Secondary Metro | High | New Entrant | $113.9m | 41.8% | $113.9m | 1.4% | +144 bps | +0.45 | ||
| Memphis, TN-MS-AR | 32820 | TN | Major Metro | Low | New Entrant | $103.7m | —— | $103.7m | 0.3% | +33 bps | -0.59 | ||
| Charlotte-Concord-Gastonia, NC-SC | 16740 | NC | Major Metro | High | New Entrant | $51.2m | 21.1% | $102.3m | 0.0% | +2 bps | +1.13 | ||
| Crestview-Fort Walton Beach-Destin, FL | 18880 | FL | Secondary Metro | High | New Entrant | $100.6m | 15.1% | $100.6m | 2.0% | +197 bps | +1.15 | ||
| Orlando-Kissimmee-Sanford, FL | 36740 | FL | Major Metro | High | New Entrant | $96.8m | 66.4% | $96.8m | 0.2% | +22 bps | +1.02 | ||
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 47260 | VA | Major Metro | Medium | New Entrant | $78.4m | 484.3% | $78.4m | 0.9% | +90 bps | -0.16 | ||
| Panama City-Panama City Beach, FL | 37460 | FL | Small Metro | High | New Entrant | $46.1m | -36.0% | $46.1m | 1.0% | +103 bps | +1.58 | ||
| Asheville, NC | 11700 | NC | Secondary Metro | High | New Entrant | $44.4m | 65.9% | $44.4m | 0.6% | +58 bps | +0.38 | ||
| Columbus, GA-AL | 17980 | GA | Secondary Metro | Low | New Entrant | $28.6m | 22.9% | $28.6m | 0.3% | +34 bps | -0.59 | ||
| Auburn-Opelika, AL | 12220 | AL | Small Metro | High | New Entrant | $10.6m | —— | $10.6m | 0.2% | +24 bps | +0.71 | ||
| Totals over 22 markets shown | $13.9bn | 25 counties · 33 offices |
Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.
Every threshold, gate and vintage, generated with this bank’s own figures.
ServisFirst Bank (cert 57993) · 22 markets · unfiltered