# ServisFirst Bancshares vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/servisfirst/vs-peers
Last updated: Oct 19, 2026

*Part of the [ServisFirst Bancshares AI strategy profile](https://www.bankingnewsai.com/banks/servisfirst). Peer group: Pinnacle Financial Partners, Texas Capital Bancshares, ConnectOne Bancorp, Enterprise Financial Services Corp, Live Oak Bancshares, First Horizon, Trustmark Corporation, FB Financial Corporation (FirstBank).*

## How does ServisFirst Bancshares compare with its peers on AI and technology?

On this site's AI disclosure index ServisFirst Bancshares scores 39.7 (#72 of 120 US banks), sixth in a nine-bank group of commercial and relationship banks, ahead of Enterprise (34.4), Trustmark (18.7) and FB Financial (3.5) and behind First Horizon (68.7), Pinnacle (65.3), Live Oak (53.1), Texas Capital (49.1) and ConnectOne (44.6). Its record changed in September 2026. After five earnings calls without an AI mention, it selected Covecta to embed agentic AI in operational workflows outside mission-critical systems, the same vendor that b1BANK says went live eight weeks after contract. Its Q2 2026 10-Q also says controls rebuilt after a cash-flow reporting error use AI-enabled tools. What separates ServisFirst is cost: a 29.65% efficiency ratio in Q2 2026, its third straight quarter below 30%, with 663 employees. Its CFO said in July 2026 the bank was adding no back-office costs and no additional technology spend. Its peers are further along on AI itself. Pinnacle names a head of AI, employs almost 20 AI engineers and says its ChatPFP assistant had answered 18,000 banker questions by April 2026. ConnectOne runs custom nCino agents that cut document search from about 20 minutes to as little as 30 seconds (July 2026). First Horizon's ChatFHN has been in production for about 15 months. ServisFirst ranks last of nine on use cases in production and on use cases described. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [b1BANK (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/17/3239875/0/en/b1BANK-partners-with-Covecta-to-deploy-agentic-AI.html), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking))

## Where does ServisFirst Bank lead its peers on AI?

- **The leanest operation in the group, by a wide margin.** ServisFirst reported a 29.65% efficiency ratio in Q2 2026, its third straight quarter below 30%, with 663 full-time employees and a quarterly non-interest expense run rate of about $50 million. ConnectOne, which calls itself top 1% of US banks for efficiency, aims to make every frontline banker 50% more productive with nCino agents (July 2026). ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html))
- **Agentic AI chosen while Trustmark and FB Financial have none on the record.** ServisFirst selected Covecta in September 2026 to embed AI agents in operational workflows. Trustmark's CEO said in July 2026 that AI plans exist but are too early to quantify, and FB Financial discloses no AI program. Covecta's reference bank, Metro Bank, reported 60% to 80% less time on each agentic task in commercial lending (March 2025). ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [FinTech Futures](https://fintechfutures.com/bankingtech/metro-bank-deploys-agentic-ai-across-commercial-lending-with-covecta))
- **AI in its own financial-reporting controls.** After a worksheet error misstated $41.5 million of Q1 2026 cash flows, ServisFirst's Q2 2026 10-Q says the material weakness was remediated by June 30 with new controls leveraging AI-enabled tools to identify, validate and classify cash-flow activity. No other bank in the group describes AI in its financial-reporting controls. ([ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm))
- **A recent run of dated moves.** ServisFirst ranks 4th of 9 on dated moves in the last 12 months (17 against a median of 16.5): a Houston office in December 2025, Panama City in May 2026, the AI-enabled controls in August and Covecta in September. Enterprise, a business bank of similar size, has as its latest dated move an AppFolio integration (August 2026). ([American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas), [ServisFirst Bank](https://servisfirstbank.com/news/5-18-26), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership))

## Where does ServisFirst Bank trail its peers on AI?

- **Last of nine on AI use cases in production.** ServisFirst scores 4 on use cases in production against a group median of 8; Covecta is announced, not yet live. ConnectOne reports two custom agents and 16 skills on nCino, a relationship-update agent cutting task time by 60%, and over 50% less time on some manual lending processes (July 2026). ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-connectone-bancorp-tops-q2-2026-eps-forecast-93CH-4809455))
- **No head of AI or AI engineers, unlike Pinnacle.** Technology at ServisFirst sits with its chief information and operations officer; no AI or data executive is named in the 2026 proxy. Pinnacle, one of the five largest competitors ServisFirst's 10-K names, has a head of AI, Kevin Johnson, almost 20 AI engineers and 13 AI initiatives in flight (2026). ([ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326002258/sfbs20260401_def14a.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript))
- **No added technology spending, while Texas Capital rebuilt its stack.** ServisFirst's CFO said in July 2026 the bank was not adding back-office costs or technology spend. Texas Capital, which also builds commercial banking with hired teams in Texas, says 96% of its critical infrastructure is in the cloud and about 80% of employees used its Ranger assistant in four weeks (April 2026). ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2025/10/23/rob-c-holmes-highlights-texas-capitals-record-growth-bloombergs-close), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html))
- **AI kept to back-office workflows, outside mission-critical systems.** ServisFirst's Covecta agents are scoped to operational workflows outside mission-critical systems, and it names no customer-facing AI. First Horizon says it is looking at agentic AI in customer service and automating credit underwriting (February 2026), and Enterprise runs a 24/7 Virtual Assistant in digital banking. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462), [Enterprise Bank & Trust](https://enterprisebank.com/meet-your-digital-banking-virtual-assistant))

## Where does ServisFirst Bank rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | [68.7](https://www.bankingnewsai.com/banks/ai-index) | #36 of 120 | [17](https://www.bankingnewsai.com/banks/first-horizon#sources) | [13](https://www.bankingnewsai.com/banks/first-horizon#sources) | [7 of 16](https://www.bankingnewsai.com/banks/first-horizon#where) | [22](https://www.bankingnewsai.com/banks/first-horizon#timeline) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | [65.3](https://www.bankingnewsai.com/banks/ai-index) | #42 of 120 | [12](https://www.bankingnewsai.com/banks/pinnacle#sources) | [17](https://www.bankingnewsai.com/banks/pinnacle#sources) | [9 of 12](https://www.bankingnewsai.com/banks/pinnacle#where) | [21](https://www.bankingnewsai.com/banks/pinnacle#timeline) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | [53.1](https://www.bankingnewsai.com/banks/ai-index) | #54 of 120 | [10](https://www.bankingnewsai.com/banks/live-oak#sources) | [15](https://www.bankingnewsai.com/banks/live-oak#sources) | [6 of 10](https://www.bankingnewsai.com/banks/live-oak#where) | [16](https://www.bankingnewsai.com/banks/live-oak#timeline) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | [49.1](https://www.bankingnewsai.com/banks/ai-index) | #60 of 120 | [6](https://www.bankingnewsai.com/banks/texas-capital#sources) | [17](https://www.bankingnewsai.com/banks/texas-capital#sources) | [8 of 12](https://www.bankingnewsai.com/banks/texas-capital#where) | [21](https://www.bankingnewsai.com/banks/texas-capital#timeline) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | [44.6](https://www.bankingnewsai.com/banks/ai-index) | #65 of 120 | [9](https://www.bankingnewsai.com/banks/connectone#sources) | [12](https://www.bankingnewsai.com/banks/connectone#sources) | [7 of 10](https://www.bankingnewsai.com/banks/connectone#where) | [14](https://www.bankingnewsai.com/banks/connectone#timeline) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) |
| [ServisFirst Bancshares (this page)](https://www.bankingnewsai.com/banks/servisfirst) | [39.7](https://www.bankingnewsai.com/banks/ai-index) | #72 of 120 | [7](https://www.bankingnewsai.com/banks/servisfirst#sources) | [13](https://www.bankingnewsai.com/banks/servisfirst#sources) | [4 of 6](https://www.bankingnewsai.com/banks/servisfirst#where) | [17](https://www.bankingnewsai.com/banks/servisfirst#timeline) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | [34.4](https://www.bankingnewsai.com/banks/ai-index) | #83 of 120 | [1](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [26](https://www.bankingnewsai.com/banks/enterprise-bank#sources) | [10 of 13](https://www.bankingnewsai.com/banks/enterprise-bank#where) | [16](https://www.bankingnewsai.com/banks/enterprise-bank#timeline) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | [18.7](https://www.bankingnewsai.com/banks/ai-index) | #98 of 120 | [3](https://www.bankingnewsai.com/banks/trustmark#sources) | [14](https://www.bankingnewsai.com/banks/trustmark#sources) | [6 of 10](https://www.bankingnewsai.com/banks/trustmark#where) | [17](https://www.bankingnewsai.com/banks/trustmark#timeline) | Not disclosed |
| [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | [3.5](https://www.bankingnewsai.com/banks/ai-index) | #107 of 120 | [7](https://www.bankingnewsai.com/banks/fb-financial#sources) | [16](https://www.bankingnewsai.com/banks/fb-financial#sources) | [9 of 12](https://www.bankingnewsai.com/banks/fb-financial#where) | [13](https://www.bankingnewsai.com/banks/fb-financial#timeline) | Not disclosed |

## On which parts of the AI record is ServisFirst Bank ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of ServisFirst Bank and the 8 peers that are scored on the same basis. "Place" is ServisFirst Bank's position in the group of 9 (1st = most).

| Component (weight) | ServisFirst Bank | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 7 | 8 | [First Horizon (17)](https://www.bankingnewsai.com/banks/first-horizon) | 5th of 9 |
| Use cases in production (10%) | 4 | 7.5 | [Enterprise Bank & Trust (10)](https://www.bankingnewsai.com/banks/enterprise-bank) | 9th of 9 |
| Own primary disclosures (10%) | 13 | 15.5 | [Enterprise Bank & Trust (26)](https://www.bankingnewsai.com/banks/enterprise-bank) | 7th of 9 |
| Dated moves, last 12 months (10%) | 17 | 16.5 | [First Horizon (22)](https://www.bankingnewsai.com/banks/first-horizon) | 4th of 9 |
| Disclosed numbers (5%) | 12 | 12 | [Live Oak (17)](https://www.bankingnewsai.com/banks/live-oak) | 4th of 9 |
| Named AI leaders (5%) | 5 | 7 | [First Horizon (13)](https://www.bankingnewsai.com/banks/first-horizon) | 6th of 9 |
| Use cases described (5%) | 6 | 12 | [First Horizon (16)](https://www.bankingnewsai.com/banks/first-horizon) | 9th of 9 |

## What has each bank in ServisFirst Bank's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [ServisFirst Bancshares](https://www.bankingnewsai.com/banks/servisfirst) | Covecta agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm)) | [5, incl. Tom Broughton (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/servisfirst#people) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [American Banker](https://www.americanbanker.com/news/alabamas-servisfirst-expands-beyond-southeast-into-texas)) | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026) ([ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html)) | Not disclosed | Not surveyed |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI inside a banker-led model ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Pinnacle Financial Partners](https://www.pnfp.com/learning-center/business-resource-center/articles/managing-your-business/ai-and-treasury-management-more-opportunity-more-risk/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [12, incl. Kevin Blair (President and CEO)](https://www.bankingnewsai.com/banks/pinnacle#people) ([American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working), [Reuters](https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | AI engineers employed: almost 20 (Jul 23, 2026) ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | Not disclosed | Not surveyed |
| [Texas Capital Bancshares](https://www.bankingnewsai.com/banks/texas-capital) | Cloud-native platform, MAP mortgage-asset platform, CDIO-led AI enablement ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer), [Texas Capital](https://texascapitalbank.com/who-we-are/newsroom/news/2026/05/18/texas-capital-launches-maptm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | [8, incl. Rob C. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/texas-capital#people) ([Texas Capital](https://texascapitalbank.com/insights/look-ahead-rob-c-holmes-2026), [American Banker](https://www.americanbanker.com/news/texas-capital-buoyed-by-turnaround-to-pay-first-ever-dividend)) | Employees who used Ranger in the prior four weeks: ≈ 80% (Apr 23, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) | Not disclosed | Not surveyed |
| [ConnectOne Bancorp](https://www.bankingnewsai.com/banks/connectone) | nCino Banking Advisor and custom agents on nCino's Agentic Operating System ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | [6, incl. Frank Sorrentino III (Chairman and CEO)](https://www.bankingnewsai.com/banks/connectone#people) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [American Banker](https://www.americanbanker.com/news/how-connectone-bank-uses-ai-to-save-time-on-admin-work)) | Banking Advisor active users: Up 41% in 10 weeks (Jul 14, 2026) ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) | Not disclosed | Not surveyed |
| [Enterprise Financial Services Corp](https://www.bankingnewsai.com/banks/enterprise-bank) | Automation journey on the existing technology framework ([Yahoo Finance](https://finance.yahoo.com/quote/EFSCP/earnings/EFSCP-Q2-2026-earnings_call-653692.html), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-ai-ceo-business-imperative), [Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work), [Enterprise Bank & Trust](https://enterprisebank.com/insights/automation-efficiency-resilience)) | [5, incl. James B. Lally (President and CEO)](https://www.bankingnewsai.com/banks/enterprise-bank#people) ([Enterprise Financial Services Corp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/enterprise-financial-services-corp-reports-200500224.html), [MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/enterprise-financial-services-q2-earnings-160738590.html)) | Not disclosed | Not disclosed | Not surveyed |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan origination (Live Oak Express) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) | [8, incl. James S. (Chip) Mahan III (Chairman and CEO)](https://www.bankingnewsai.com/banks/live-oak#people) ([Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2025/08/19/3135818/36594/en/Live-Oak-Ventures-Participates-in-Financing-of-Cascading-AI-Inc.html), [Live Oak Bancshares (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/22/3331734/36594/en/Live-Oak-Bancshares-Inc-Reports-Second-Quarter-2026-Results.html)) | Employee-built AI agents: More than 300 (Apr 23, 2026) ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q1-123000818.html)) | 2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine) ([Google Patents (USPTO)](https://patents.google.com/patent/US20250370791A1/en)) | Not surveyed |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN and the Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [American Banker](https://americanbanker.com/news/2025-the-most-powerful-women-to-watch-no-13-tammy-locascio-first-horizon-bank)) | [13, incl. Bryan Jordan (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/first-horizon#people) ([Banking Dive](https://www.bankingdive.com/news/first-horizon-acquisition-buyer-ceo-jordan-earnings/802868/)) | AI cost savings assumed in the $100 million incremental PPNR target: None (revenue-driven; expenses guided flat) (Apr 15, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-horizon-fhn-q1-2026-150926400.html)) | Not disclosed | Not surveyed |
| [Trustmark Corporation](https://www.bankingnewsai.com/banks/trustmark) | Not disclosed | [5, incl. Duane A. Dewey (President and CEO)](https://www.bankingnewsai.com/banks/trustmark#people) ([Trustmark Corporation (Business Wire via Yahoo Finance)](https://finance.yahoo.com/news/trustmark-corporation-announces-second-quarter-203000303.html), [American Banker](https://americanbanker.com/news/trustmark-promotes-exec-setting-him-up-as-potential-next-ceo)) | Mentions of AI or artificial intelligence in the annual report, FY2024 / FY2025: 0 / 5, all in economic or market commentary (Feb 23, 2026) ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000095017025023184/trmk-20241231.htm), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) | Not disclosed | Not surveyed |
| [FB Financial Corporation (FirstBank)](https://www.bankingnewsai.com/banks/fb-financial) | Not disclosed | [5, incl. Christopher T. Holmes (President and CEO)](https://www.bankingnewsai.com/banks/fb-financial#people) ([FirstBank](https://www.firstbankonline.com/firstbank-ranked-1-in-jd-power-retail-banking-satisfaction-study-for-south-central-region/), [FB Financial (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202607131615BIZWIRE_USPRX____20260713_BW022911-1)) | Not disclosed | Not disclosed | Not surveyed |

## What are the latest dated moves on the AI record of ServisFirst Bank and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 13, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Q3 2026 results and call: first AI exchange on a call ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm)) |
| Oct 8, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | The 2025 contest's winning entry: an automated CRE documentation platform ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-10-tammy-locascio-first-horizon)) |
| Oct 1, 2026 | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| Oct 1, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| Sep 16, 2026 | [FirstBank](https://www.bankingnewsai.com/banks/fb-financial) | Commercial fraud guidance published ([FirstBank](https://www.firstbankonline.com/commercial-business-protection/)) |
| Sep 16, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Chief risk officer departs; chief credit officer steps in ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000063/tcbi-20260916.htm)) |
| Sep 15, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Trade press frames Covecta as a third US bank client ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents)) |
| Sep 10, 2026 | [ServisFirst Bank](https://www.bankingnewsai.com/banks/servisfirst) | Selects Covecta to deploy agentic AI ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations)) |
| Aug 6, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | First banking partner in the AppFolio Stack Marketplace ([Enterprise Bank & Trust](https://enterprisebank.com/insights/enterprise-bank-and-trust-announces-appfolio-partnership)) |
| Aug 5, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 2026 10-Q: AI references remain macro commentary ([Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526335156/trmk-20260630.htm)) |
| Aug 4, 2026 | [Live Oak](https://www.bankingnewsai.com/banks/live-oak) | Q2 10-Q lists AI deployment risk among forward-looking factors ([Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000058/lob-20260630.htm)) |
| Aug 4, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Q1 and Q2 2026 10-Qs carry no AI language ([ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926014866/cnob20260331_10q.htm), [ConnectOne Bancorp (SEC filing)](https://www.sec.gov/Archives/edgar/data/712771/000143774926025623/cnob20260630_10q.htm)) |
| Aug 4, 2026 | [Pinnacle](https://www.bankingnewsai.com/banks/pinnacle) | Q2 10-Q: AI initiatives listed as an execution risk ([Pinnacle Financial Partners (SEC filing)](https://www.sec.gov/Archives/edgar/data/2082866/000208286626000082/pnfp-20260630.htm)) |
| Aug 3, 2026 | [Enterprise Bank & Trust](https://www.bankingnewsai.com/banks/enterprise-bank) | Microsoft Copilot course for clients ([Enterprise Bank & Trust (Enterprise University)](https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work)) |
| Jul 29, 2026 | [Trustmark](https://www.bankingnewsai.com/banks/trustmark) | Q2 call: FIS-supported platforms replace self-supported core ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |
| Jul 29, 2026 | [Texas Capital](https://www.bankingnewsai.com/banks/texas-capital) | Second attempt to redomicile to Texas planned ([American Banker](https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas)) |
| Jul 23, 2026 | [ConnectOne](https://www.bankingnewsai.com/banks/connectone) | Second-quarter 2026 results ([ConnectOne Bancorp (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/23/3331988/25238/en/ConnectOne-Bancorp-Inc-Reports-Second-Quarter-2026-Results.html)) |

## How does ServisFirst's AI compare with other commercial banks'?

The AI each bank has deployed or chosen for bankers and operations, with the result it reports. Vendor-reported figures are labelled.

| Bank | AI tool or program | Result or scale disclosed | Date |
| --- | --- | --- | --- |
| ServisFirst | Covecta agentic AI in operational workflows outside mission-critical systems; AI-enabled tools in financial-reporting controls | Not yet disclosed; b1BANK went live with Covecta eight weeks after contract (company statement) | August and September 2026 ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm), [b1BANK (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/17/3239875/0/en/b1BANK-partners-with-Covecta-to-deploy-agentic-AI.html)) |
| Pinnacle | ChatPFP banker assistant; 13 AI initiatives; head of AI | 18,000 questions answered, 3,000+ hours saved; almost 20 AI engineers | April and July 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| ConnectOne | nCino Banking Advisor and custom agents | Document search from about 20 minutes to 30 seconds; Banking Advisor users up 41% in 10 weeks | July 2026 ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html)) |
| First Horizon | ChatFHN; 10 internal AI teams; credit-underwriting automation | About 15 months in production | February and June 2026 ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462)) |
| Texas Capital | Ranger assistant; employee-built agents | About 80% of employees in four weeks; 280 agents | April 2026 ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/texas-capital-tcbi-q1-2026-155141524.html)) |
| Live Oak | Casca AI loan origination; staff-built agents | 640+ agents and skills; Express originations $82 million in Q2 2026 | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html)) |
| Trustmark | AI initiatives planned after a core conversion | Too early to quantify (CEO) | July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777)) |

## How does ServisFirst's branch-light model compare with its peers'?

Efficiency ratios, staff and footprint as each bank reports them. ServisFirst's lead here comes from its model, not from AI.

| Bank | Efficiency ratio | Staff and footprint | Date |
| --- | --- | --- | --- |
| ServisFirst | 29.65% (Q2 2026) | 663 employees; 33 banking offices and one loan production office | June 30, 2026; December 31, 2025 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm)) |
| Live Oak | 54.13% (Q2 2026) | Built on Amazon Web Services from its founding | June 30, 2026 ([Live Oak Bancshares (SEC filing)](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000053/lob-20260722exx991.htm), [American Banker](https://www.americanbanker.com/news/are-banks-saving-money-as-they-migrate-to-the-cloud)) |
| Enterprise Financial | 59.3% core (full year 2025) | Branches in St. Louis, Kansas City, Phoenix and other Western markets; national deposit verticals | December 31, 2025 ([Enterprise Financial Services Corp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1025835/000102583526000058/efsc-20251231.htm)) |
| FB Financial | 54.3% adjusted (Q3 2026) | $17.09 billion of assets | September 30, 2026 ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/10/13/fb-financial-fbk-q3-2026-earnings-call-transcript), [FB Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/1649749/000164974926000063/a3q26pressreleasetablesfor.htm)) |
| Pinnacle | Not stated in the cited record | About 8,500 team members after the Synovus merger | April 2026 ([Pinnacle Financial Partners](https://pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-financial-partners-announces-earnings-for-first-quarter-2026)) |

## How does ServisFirst govern technology and AI compared with its peers?

What each bank discloses about who runs technology and how AI is overseen.

| Bank | Technology and AI governance | Source date |
| --- | --- | --- |
| ServisFirst | IT Steering Committee chaired by the chief information and operations officer with the Information Security Officer and CRO, meeting monthly; AI named in the technology-change risk factor; no AI executive | February and April 2026 ([ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326002258/sfbs20260401_def14a.htm)) |
| Pinnacle | Head of AI Kevin Johnson | April 2026 ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson)) |
| Texas Capital | Board Technology Committee formed January 2025; chief digital and information officer with AI enablement in his remit; AI governance program with a working group | March and July 2026 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1077428/000107742826000040/tcbi-20260309.htm), [Texas Capital](https://texascapitalbank.com/news/2026/07/13/texas-capital-appoints-mo-jamous-chief-digital-and-information-officer)) |
| First Horizon | 10 internal AI teams; new CISO from Fidelity (February 2026) | February 2026 ([Investing.com](https://investing.com/news/transcripts/first-horizon-at-bank-of-america-conference-strategic-growth-focus-93CH-4500462), [First Horizon](https://ir.firsthorizon.com/press-releases/press-release-details/2026/First-Horizon-Appoints-Leilani-Farol-as-Chief-Information-Security-Officer)) |
| Trustmark | CIO presented AI efforts to the board; no AI risk factor in the 10-K | February and July 2026 ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Trustmark Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/36146/000119312526064009/trmk-20251231.htm)) |

## Which banks are ServisFirst Bank's peers, and why these?

ServisFirst Bancshares is compared here with Pinnacle Financial Partners, Texas Capital Bancshares, ConnectOne Bancorp, Enterprise Financial Services Corp, Live Oak Bancshares, First Horizon, Trustmark Corporation and FB Financial Corporation (FirstBank): chosen by the editors for this page (see the note below the table). ServisFirst Bancshares is classed as a commercial and business bank in the Southeast.

The computed group mixed in a mortgage-warehouse specialist and banks from New Jersey and Virginia; this group holds commercial, relationship-led banks in ServisFirst's Southeast and Texas markets (Pinnacle, which ServisFirst's 10-K names as a top-five competitor, First Horizon, Trustmark, FB Financial and Texas Capital) plus branch-light commercial banks with similar models (ConnectOne, Enterprise and Live Oak).

## Common questions

### Does ServisFirst use AI?

Yes, as of 2026. In September it selected Covecta to deploy agentic AI in operational workflows outside mission-critical systems, its first disclosed AI initiative, and its Q2 2026 10-Q says new financial-reporting controls leverage AI-enabled tools. Its earnings calls from Q4 2024 to Q2 2026 did not mention AI. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326005359/sfbs20260630_10q.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [Earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2026/01/21/servisfirst-sfbs-earnings-call-transcript))

### Is ServisFirst behind Pinnacle on AI?

On the record, yes: Pinnacle scores 65.3 on this site's disclosure index against ServisFirst's 39.7. Pinnacle names a head of AI, employs almost 20 AI engineers and reports ChatPFP answering 18,000 banker questions. ServisFirst has just chosen Covecta. ServisFirst's 10-K names Pinnacle among its five largest competitors. Scores measure disclosure, not capability. ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm))

### What is Covecta, and which other banks use it?

Covecta is a UK AI platform launched in 2024 for commercial banks, KYC teams and insurers. Metro Bank deployed it across commercial lending and reported 60% to 80% less time per agentic task (March 2025); b1BANK became its first US banking partner in February 2026. FinTech Futures counts ServisFirst as a third US client. ([FinTech Futures](https://fintechfutures.com/ai-in-fintech/new-uk-fintech-covecta-launches-configurable-ai-platform), [FinTech Futures](https://fintechfutures.com/bankingtech/metro-bank-deploys-agentic-ai-across-commercial-lending-with-covecta), [b1BANK (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/17/3239875/0/en/b1BANK-partners-with-Covecta-to-deploy-agentic-AI.html), [FinTech Futures](https://fintechfutures.com/ai-in-fintech/servisfirst-bank-partners-covecta-to-deploy-ai-agents))

### How is ServisFirst so efficient compared with other banks?

Its model is branch-light commercial banking: 33 banking offices for businesses with annual sales of roughly $2 million to $250 million, 663 employees, and a 29.65% efficiency ratio in Q2 2026. Its 10-K says it relies on personal service and quick local decisions rather than the larger banks' advertising and electronic technology. ([ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm), [ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767))

### How does ServisFirst compare with ConnectOne on AI?

Both are lean commercial banks. ConnectOne scores 44.6 on this site's index against ServisFirst's 39.7 and has AI in production: custom nCino agents that cut document search from about 20 minutes to as little as 30 seconds and a goal of making every frontline banker 50% more productive. ServisFirst's Covecta agents were announced in September 2026. ([nCino (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/07/14/3326739/0/en/connectone-bank-is-building-the-future-of-commercial-lending-on-ncino-s-agentic-operating-system.html), [ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations))

### Who runs technology at ServisFirst?

Michael Lindsey, chief information and operations officer since November 2023, chairs the Information Technology Steering Committee, which includes the Information Security Officer and the chief risk officer and meets monthly. Rodney Rushing is COO. ServisFirst names no AI officer; Pinnacle, a named rival, has a head of AI. ([ServisFirst Bank (Business Wire)](https://www.businesswire.com/news/home/20231101938989/en/ServisFirst-Bank-Announces-New-Chief-Information-and-Operations-Officer), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326002258/sfbs20260401_def14a.htm), [American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson))

### How does ServisFirst compare with Trustmark on technology?

Both are Southern banks of similar size that disclosed AI late. ServisFirst scores 39.7 on this site's index and chose Covecta's agentic AI in September 2026; Trustmark scores 18.7, replaced a 45-year-old core in April 2026 and says its AI plans are too early to quantify. ServisFirst's efficiency ratio is under 30%. ([ServisFirst Bank](https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations), [Trustmark](https://www.trustmark.com/landing/core-faqs), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-trustmark-tops-q2-2026-estimates-as-conversion-ends-93CH-4820777), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767))

### How much does ServisFirst spend on technology?

It does not disclose a technology budget. Its CFO said in July 2026 that the bank is not adding back-office costs or technology spend and that quarterly non-interest expense runs at about $50 million; equipment and occupancy expense was $4.0 million in Q2 2026. The IT Steering Committee and board approve technology budgets annually. ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-servisfirst-bancorp-tops-revenue-in-q2-2026-shares-rise-93CH-4801767), [ServisFirst Bancshares (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/20/3330087/0/en/ServisFirst-Bancshares-Inc-Announces-Results-for-Second-Quarter-of-2026.html), [ServisFirst Bancshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/1430723/000117184326001150/sfbs20251231_10k.htm))

## Peers on this site

- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Texas Capital Bancshares AI strategy](https://www.bankingnewsai.com/banks/texas-capital) · [vs peers](https://www.bankingnewsai.com/banks/texas-capital/vs-peers)
- [ConnectOne Bancorp AI strategy](https://www.bankingnewsai.com/banks/connectone) · [vs peers](https://www.bankingnewsai.com/banks/connectone/vs-peers)
- [Enterprise Financial Services Corp AI strategy](https://www.bankingnewsai.com/banks/enterprise-bank) · [vs peers](https://www.bankingnewsai.com/banks/enterprise-bank/vs-peers)
- [Live Oak Bancshares AI strategy](https://www.bankingnewsai.com/banks/live-oak) · [vs peers](https://www.bankingnewsai.com/banks/live-oak/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)
- [FB Financial Corporation (FirstBank) AI strategy](https://www.bankingnewsai.com/banks/fb-financial) · [vs peers](https://www.bankingnewsai.com/banks/fb-financial/vs-peers)

## Sources

1. ServisFirst Bank Selects Covecta to Deploy Agentic AI Across its Operations — ServisFirst Bank, Sep 10, 2026. https://servisfirstbank.com/news/servisfirst-bank-selects-covecta-to-deploy-agentic-ai-across-its-operations
2. b1BANK partners with Covecta to deploy agentic AI — b1BANK (GlobeNewswire), Feb 17, 2026. https://globenewswire.com/news-release/2026/02/17/3239875/0/en/b1BANK-partners-with-Covecta-to-deploy-agentic-AI.html
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28. How AI is quickly overhauling one segment of SBA lending — American Banker, Apr 28, 2026. https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending
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36. Microsoft Copilot: Transforming Everyday Work — Enterprise Bank & Trust (Enterprise University), Aug 3, 2026. https://enterprisebank.com/insights/eu-microsoft-copilot-transforming-everyday-work
37. Automation, Efficiency & Resilience: How Privately Held Businesses Can Seize Opportunity in 2026 — Enterprise Bank & Trust, Dec 17, 2025. https://enterprisebank.com/insights/automation-efficiency-resilience
38. Pinnacle Financial, Synovus name leadership team to steer combined bank — Reuters, Aug 21, 2025. https://www.reuters.com/business/finance/pinnacle-financial-synovus-name-leadership-team-steer-combined-bank-2025-08-21/
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67. Why one bank is determined to reincorporate in Texas — American Banker, Jul 29, 2026. https://www.americanbanker.com/news/why-one-bank-is-determined-to-reincorporate-in-texas
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80. Banking Systems Update FAQs — Trustmark, Apr 17, 2026. https://www.trustmark.com/landing/core-faqs

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