BHM BANK

BIRMINGHAM, AL | Micro | Est. Jan. 28, 2000, midnight | FDIC #35314 | RSSD #2877484 | FDIC
Latest Report: 2025-12-31

BHM BANK is amn micro FDIC-insured commercial bank headquartered in BIRMINGHAM, AL, established in Jan. 28, 2000, midnight. As of 2025-12-31, the bank reported total assets of $19M and total deposits of $15M. Profitability stands at -11.67% ROA and -77.57% ROE, with a net interest margin of 4.65%. The bank's CET1 capital ratio is 22.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 10.43% and a Texas Ratio of 37.39%. FDIC Certificate #35314.

Assets

$19M

Deposits

$15M

Loans

$10M

Equity

$3M

Profitability

Return on Assets (ROA) -11.67%
Return on Equity (ROE) -77.57%
Net Interest Margin (NIM) 4.65%
Yield on Assets 6.14%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 10.43%
Net Charge-Off Ratio --
Texas Ratio 37.39%
NPA Ratio 5.91%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 22.46%
Tier 1 Capital 22.46%
Total Capital Ratio 23.71%
Leverage Ratio 14.66%
Loan-to-Deposit 66.72%

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