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BHM Bank

Birmingham, AL · Cert 35314 · Carver Financial Corp.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

75

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

BHM Bank

Birmingham, AL · Cert 35314 · Carver Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$17.4MAssets
$10.6MLoans
$14.2MDeposits
$2.4MEquity
Loan mix
63%RE $6.0M36%C&I $3.4M1%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $9.2M35%Noninterest $5.0MQ2 2025Q2 2026

NIM

6.17%Q2 ’244.61%Q2 ’254.98%Q2 ’26-25%+9%

Non-interest income vs. expense

8.51%Q2 ’247.98%Q2 ’2510.97%Q2 ’26-83%+396%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.0% share · #49 of 49 inst. · $0.0B of $53.8B

Executive Summary

  • Earnings: ROA of -3.95%, down 572 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 9.48% of loans (-73 bps YoY), with net charge-offs at 0.45%.
  • Capital: tier 1 leverage ratio of 13.61%, down 92 bps from a year ago.
  • Funding: loans stand at 74.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.95%-572 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+31 bps YoY

Efficiency Ratio (YTD, annualized)

157.87%+7,627 bps YoY

Tier 1 Leverage Ratio

13.61%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.11%-2.11%-5.96%-3.95%-572 bps
Return on Equity12.39%7.64%-14.46%-41.16%-27.73%-4,012 bps
Net Interest Margin3.36%3.49%3.80%3.33%3.67%+31 bps
Efficiency Ratio81.60%88.21%128.39%275%157.87%+7,627 bps
Non-Interest Burden1.55%2.30%6.35%9.29%7.67%+612 bps
Growth
Asset Growth (YoY)6.51%1.91%4.54%-5.92%-7.75%-1,425 bps
Loan Growth (YoY)0.50%3.98%1.60%-7.42%0.68%+19 bps
Deposit Growth (YoY)1.16%-2.29%-0.08%-4.50%-5.79%-694 bps
Asset Quality
Nonperforming Loans / Loans10.21%10.33%10.43%10.55%9.48%-73 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.00%0.45%+45 bps
Allowance / Loans1.57%1.63%1.65%1.48%1.33%-24 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.1x0.1x0.0x
Capital
Tier 1 Leverage Ratio14.52%14.62%14.66%13.66%13.61%-92 bps
Total Risk-Based Capital23.70%23.48%23.71%21.37%19.80%-390 bps
Equity / Assets15.14%15.18%14.91%14.00%13.74%-140 bps
Liquidity & Funding
Loans / Deposits69.53%66.48%66.72%66.28%74.31%+478 bps
Liquid Assets / Assets20.48%18.21%17.88%19.55%12.79%-769 bps
CRE / Total Capitaln/a163.62%159.55%171.94%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

BHM Bank

Birmingham, AL · Cert 35314 · Peer group: banks under $1B in assets (n=581-629) · Carver Financial Corp.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$17.4MAssets
$10.6MLoans
$14.2MDeposits
$2.4MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets (rank 159 of 629).
  • Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets (rank 578 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-4.06%

Rank 617 of 629

Net Interest Margin

3.67%

Rank 277 of 629

Efficiency Ratio

157.87%

Rank 615 of 629

Equity / Assets

13.74%

Rank 160 of 629

Non-interest income vs. expense

$0.6M$1.9MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 2% of banks under $1B in assets
Bank 157.87%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-4.06%0.60%1.01%1.45%Beats 2%617 / 629
Return on Equity-29.53%5.38%9.30%13.28%Beats 1%623 / 629
Net Interest Margin3.67%3.03%3.54%4.05%Beats 56%277 / 629
Efficiency Ratio157.87%58.35%67.79%79.08%Beats 2%615 / 629
Asset Quality
Nonperforming Loans / Loans9.48%0.09%0.46%1.20%Beats 1%578 / 581
Net Charge-Offs / Loans0.23%n/a0.01%0.06%Beats 8%537 / 581
Capital
Tier 1 Capital Ratio18.69%11.24%13.84%18.77%Beats 75%159 / 629
Total Risk-Based Capital Ratio19.80%11.58%14.43%19.66%Beats 75%156 / 629
Equity / Assets13.74%9.09%10.65%13.80%Beats 75%160 / 629
Liquidity & Funding
Loans / Deposits74.31%67.24%80.90%93.48%37th pctl373 / 594
Loans / Assets60.84%53.31%67.71%78.15%36th pctl405 / 629
Brokered Deposits / Depositsn/aNot reported for this institution