ServisFirst Bancshares, Inc. Annual report [Section 13 and 15(d), not S-K Item 405]

Note 14 - Other Operating Income and Expenses

12 Months Ended

Dec. 31, 2025

NOTE 14. OTHER OPERATING INCOME AND EXPENSES

The major components of other operating income and expense included in noninterest income and noninterest expense are as follows:

	Years Ended December 31,
	2025		2024			2023
	(In Thousands)
Other Operating Income
ATM fee income	$	610	$	632		$	(200	)
Mark to market interest rate cap derivative		-		-			48
Loss on sale of fixed assets		-		(91	)		-
Merchant services fees		2,337		2,278			2,214
Other		158		68			975
Total other operating income	$	3,105	$	2,887		$	3,037

Other Operating Expenses
Other loan expenses	$	5,283	$	2,754		$	2,794
Customer and public relations		3,587		3,338			2,971
Sales and use tax		601		779			771
Write-down investment in tax credit partnerships		1,360		1,396			12,053
Telephone		588		564			597
Donations and contributions		618		658			651
Marketing		1,151		951			768
Supplies		752		701			705
Fraud and forgery losses		516		2,139			1,435
Directors fees		794		807			797
Postage		336		352			361
Other operational losses		2,856		270			449
Other insurance expense		1,858		1,845			1,794
Courier		657		619			528
Core processing deconversion expense		-		134			-
EDP contract termination		-		-			1,134
Privilege tax expense		2,014		1,767			4,300
Other		2,670		2,267			1,234
Total other operating expenses	$	25,641	$	21,341		$	33,342