BlastPoint's Banking Scorecard
BHM Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Birmingham, AL
BHM Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 6.81% below tier average
- - Efficiency Ratio 187.70% above tier average
- - Delinquency Rate 9.34% above tier average
- - Nonperforming Asset Ratio 5.21% above tier average
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.7M
-5.9% YoY
-4.4% QoQ
|
-$44.6M |
$62.3M
-0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.0% YoY
|
Bottom 3.7% in tier |
| Total Loans ? |
$9.4M
-7.4% YoY
-4.2% QoQ
|
-$24.9M |
$34.3M
-1.5% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.7% YoY
|
Bottom 9.9% in tier |
| Total Deposits ? |
$14.4M
-4.5% YoY
-3.8% QoQ
|
-$37.4M |
$51.8M
-0.6% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.0% YoY
|
Bottom 6.1% in tier |
| Return on Assets ? |
-5.96%
-356.9% YoY
-181.9% QoQ
|
-6.81% |
0.86%
-3.6% YoY
|
0.78%
-19.5% YoY
|
1.24%
+13.1% YoY
|
Bottom 1.7% in tier |
| Net Interest Margin ? |
3.68%
-8.8% YoY
-13.6% QoQ
|
-0.19% |
3.87%
+2.7% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
275.32%
+250.2% YoY
+114.4% QoQ
|
+187.70% |
87.63%
+2.3% YoY
|
72.13%
+5.1% YoY
|
66.84%
-3.8% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate ? |
10.70%
+172.9% YoY
+0.9% QoQ
|
+9.34% |
1.36%
+33.7% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.7% in tier |
| Loan-to-Deposit Ratio ? |
65.30%
-3.1% YoY
-0.5% QoQ
|
+1.19% |
64.11%
-0.9% YoY
|
67.08%
+2.0% YoY
|
76.69%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
34.17%
+8.9% YoY
+3.4% QoQ
|
+10.39% |
23.79%
+0.5% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.1% YoY
|
84% |
| Nonperforming Asset Ratio ? |
5.99%
+151.2% YoY
+1.3% QoQ
|
+5.21% |
0.77%
+28.7% YoY
|
0.71%
+24.8% YoY
|
0.66%
+19.3% YoY
|
Bottom 1.7% in tier |
| Tier 1 Capital Ratio ? |
20.21%
-1.0% YoY
-10.0% QoQ
|
-6.56% |
26.77%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.02%
-98.7% YoY
-99.6% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.0% YoY
|
17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.