Side-by-side · Q2 2026 data
ServisFirst Bank vs Railroad Credit Union
Metric by metric
| Measure | ServisFirst Bank | Railroad Credit Union |
|---|---|---|
| TellerScore | 63 | 87 (stronger) |
| Capital cushion | 61 | 94 (stronger) |
| Loan quality | 61 | 98 (stronger) |
| Earnings | 95 (stronger) | 46 |
| Funding & liquidity | 12 | 100 (stronger) |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 39th | 91st |
| Total assets | $18.3B | $100.6M |
| Deposits / shares | $14.6B | $86.7M |
| Capital ratio | 11.09% | 14.40% (stronger) |
| Problem loans | 1.18% | 0.07% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.89% |
| Return on assets | 1.88% (stronger) | 0.65% |
| Loans ÷ deposits | 98.2% | 13.0% (stronger) |
| Uninsured deposits | 66.4% | 2.1% (stronger) |
| Offices | 34 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Railroad Credit Union has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), ServisFirst Bank leads on 2 and Railroad Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.