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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