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BHM Bank

under $100M Specialty: Commercial AL FDIC cert 35314

Designations: ✓ Community bank ✓ Minority Depository Institution

Birmingham, AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
  • Deposits -5.8% year over year ($14.2M on the books).
  • Delinquency rate 9.61%.
  • Return on assets -3.95%.
  • Efficiency ratio 157.87% vs a 119.40% peer average.
  • Loan-to-deposit ratio 73.32% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 12 in AL
View under $100M leaderboard (AL) →

BHM Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Non-Interest Income / Assets 0.29% above tier average
  • + Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 4.94% below tier average
  • - Efficiency Ratio 38.47% above tier average
  • - Delinquency Rate 8.13% above tier average
  • - Nonperforming Asset Ratio 5.24% above tier average
Get updates when BHM Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $17.4M
-7.7% YoY -1.8% QoQ
-$45.0M $62.4M
-0.0% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
Bottom 3.4% in tier
Total Loans ? $10.4M
+0.9% YoY +10.9% QoQ
-$24.4M $34.9M
-0.6% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
Bottom 11.8% in tier
Total Deposits ? $14.2M
-5.8% YoY -1.2% QoQ
-$37.4M $51.6M
-0.2% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
Bottom 6.2% in tier
Return on Assets ? -3.95%
-322.4% YoY +33.7% QoQ
-4.94% 1.00%
+3.5% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Bottom 2.6% in tier
Net Interest Margin ? 3.97%
-1.5% YoY +7.9% QoQ
+0.06% 3.91%
+2.3% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 157.87%
+93.5% YoY -42.7% QoQ
+38.47% 119.40%
+49.6% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Bottom 3.9% in tier
Delinquency Rate ? 9.61%
-7.4% YoY -10.2% QoQ
+8.13% 1.48%
+31.8% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Bottom 2.1% in tier
Loan-to-Deposit Ratio ? 73.32%
+7.1% YoY +12.3% QoQ
-0.89% 74.21%
+12.6% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 35.42%
-0.1% YoY +3.6% QoQ
+11.93% 23.49%
+0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 14.2% in tier
Nonperforming Asset Ratio ? 6.07%
+1.9% YoY +1.5% QoQ
+5.24% 0.84%
+23.0% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Bottom 1.7% in tier
Tier 1 Capital Ratio ? 18.69%
-16.8% YoY -7.5% QoQ
-8.44% 27.13%
+3.0% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
63%
Non-Interest Income / Assets ? 1.67%
-50.9% YoY
+0.29% 1.38%
+6.3% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Top 4.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 35.4%
0.0pp YoY
+1.2pp QoQ
 +10.8pp 24.6% 24.0% 22.2% 85%
Brokered Deposits n/a n/a 9.8% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 41.9%
+11.9pp YoY
+5.7pp QoQ
 +28.5pp 13.4% 16.9% 12.5% 97%
CRE n/a n/a 25.2% 43.5% 41.4% n/a
1-4 Family 17.1%
-7.3pp YoY
-2.1pp QoQ
 -17.9pp 35.0% 30.6% 31.3% 32%
Consumer 1.1%
-0.7pp YoY
-0.1pp QoQ
 -6.5pp 7.7% 5.7% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 18.7%
-3.8pp YoY
-1.5pp QoQ
 -20.0pp 38.7% 15.1% 19.7% 37%
Leverage Ratio 13.6%
-0.9pp YoY
-0.1pp QoQ
 -4.1pp 17.7% 13.2% 12.6% 59%
Total Capital Ratio 19.8%
-3.9pp YoY
-1.6pp QoQ
 -19.9pp 39.7% 16.2% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 11
+3 (+37.5%) YoY
0 QoQ
 -1 12 304 482 50%
Assets per Employee ($) $1.6M
-32.9% YoY
-1.8% QoQ
 -$4.6M $6.2M $6.9M $8.8M 2%
Branch Count 1
0 YoY
0 QoQ
 -1 1 20 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.2% 0.4% n/a
Nonaccrual 9.6%
-0.8pp YoY
-1.1pp QoQ
 +7.9pp 1.7% 1.2% 1.0% 98%
Allowance Coverage 0.14x
-8.6% YoY
+0.4% QoQ
 -6.27x 6.41x 7.50x 20.23x 2%
Net Charge-off Rate (YTD) 0.5%
-0.5pp QoQ
 +0.3pp 0.2% 0.3% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE -27.7%
-40.1pp YoY
+13.4pp QoQ
 -34.1pp 6.4% 10.0% 11.6% 2%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.4% 1.7% 1.7% 54%
Net Income ($, YTD) $-353000.0
-315.2% YoY
— QoQ
 -$671K $317,817 $17.2M $40.4M 5%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 536 peers in under $100M

Top Strengths (2 metrics)

23
Non-Interest Income / Assets
revenue_mix
Value: 1.67%
Peer Median: 1.38%
#23 of 536 Top 4.1% in under $100M
77
Non-Interest-Bearing Deposit Share
funding
Value: 35.42%
Peer Median: 23.49%
#77 of 536 Top 14.2% in under $100M

Top Weaknesses (7 metrics)

528
Nonperforming Asset Ratio
credit_quality
Value: 6.07%
Peer Median: 0.84%
#528 of 536 Bottom 1.7% in under $100M
507
Delinquency Rate
credit_quality
Value: 9.61%
Peer Median: 1.48%
#507 of 517 Bottom 2.1% in under $100M
523
Return on Assets
profitability
Value: -3.95%
Peer Median: 1.00%
#523 of 536 Bottom 2.6% in under $100M
519
Total Assets
size
Value: $17.40M
Peer Median: $62.44M
#519 of 536 Bottom 3.4% in under $100M
516
Efficiency Ratio
profitability
Value: 157.87%
Peer Median: 119.40%
#516 of 536 Bottom 3.9% in under $100M
504
Total Deposits
size
Value: $14.25M
Peer Median: $51.62M
#504 of 536 Bottom 6.2% in under $100M
474
Total Loans
size
Value: $10.45M
Peer Median: $34.89M
#474 of 536 Bottom 11.8% in under $100M
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