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
Unfavorable gap of $1.3M · efficiency ratio beats 2% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 56% | 277 / 629 | | |
| Efficiency Ratio | 157.87% | 58.35% | 67.79% | 79.08% | Beats 2% | 615 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.48% | 0.09% | 0.46% | 1.20% | Beats 1% | 578 / 581 | | |
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.06% | Beats 8% | 537 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 18.69% | 11.24% | 13.84% | 18.77% | Beats 75% | 159 / 629 | | |
| Total Risk-Based Capital Ratio | 19.80% | 11.58% | 14.43% | 19.66% | Beats 75% | 156 / 629 | | |
| Equity / Assets | 13.74% | 9.09% | 10.65% | 13.80% | Beats 75% | 160 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.31% | 67.24% | 80.90% | 93.48% | 37th pctl | 373 / 594 | | |
| Loans / Assets | 60.84% | 53.31% | 67.71% | 78.15% | 36th pctl | 405 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |