BHM Bank
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Data as of · sourced from FFIEC call reports. How we update
BHM Bank is an FDIC-insured commercial bank headquartered in Birmingham, AL, established in 2000 (FDIC certificate 35314), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $17.4M, down 7.7% from Q2 2025, the 93rd largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 18.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35314
- Headquarters
- Birmingham, AL
- Established
- 2000
- Total assets, Q2 2026
- $17.4M
- Assets vs Q2 2025
- -7.7%
- CET1 ratio, Q2 2026
- 18.69%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062006356
- Holding company
- BHM BANCCORP, INC.
- Asset rank in state
- 93rd of 93 in Alabama
BHM Bank spends more to run itself than most banks of its size. Its balance sheet stood at $17 million at June 30, 2026, down 7.7% from a year earlier; it is based in Birmingham, Alabama. It loses about $1.89 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 118 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $83,000 in the quarter. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 9.48% of loans, down from 10.21% a year earlier. Credit is the area to watch: it carries problem assets equal to 41.7% of the capital and reserves that would absorb them, 30.2 times the median of 1.4% for banks its size.
As of June 30, 2026, BHM Bank reported a CET1 capital ratio of 18.69%, a return on assets of -1.89%, a nonperforming-loan ratio of 9.48% and a Texas ratio of 41.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, BHM Bank is the smallest of the 93 banks headquartered in Alabama. From Q1 2026 to Q2 2026, its total assets fell 1.8% to $17.4M, loans rose 10.8% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 41.4% of total loans, followed by owner-occupied commercial real estate loans at 31.9%. The FDIC Summary of Deposits lists a single office for it, in Birmingham, AL. On its Q2 2026 call report, BHM Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2170 Highland Ave S, Birmingham, AL 35205
- County
- Jefferson
- Metro Area
- Birmingham, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 28, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $14.2M
- Allowance for credit losses
- $141K
- Net charge-offs (YTD)
- $24K
- Average total assets
- $17.6M
- Average total loans
- $9.9M
- Average interest-bearing deposits
- $9.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 28, 2000
- FDIC Cert
- 35314
- Fed RSSD
- 2877484
- Website
- BHM.bank →
- Parent Holding Company
- BHM BANCCORP, INC. (RSSD 3047583)
- Ultimate Parent
- CARVER FINANCIAL CORPORATION (RSSD 3190023)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
BHM Bank's total assets moved between a low of $15.4M (Q3 2023) and a high of $19.0M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$17.4M total assets against $18.9M; $15.0M total liabilities against $16.0M.
$10.4M net loans and leases against $10.3M; $14.2M total deposits against $15.1M.
$3.1M securities against $2.6M; $2.6M cash and balances due against $4.2M.
$227K total interest income against $227K; $57K total interest expense against $59K.
$170K net interest income against $168K.
$286K total noninterest income against $309K; $539K total noninterest expense against $404K.
$0 provision for credit losses against $15K.
-$83K net income against $58K.
-1.89% return on assets against 1.17%; 4.17% net interest margin against 3.75%.
18.69% CET1 capital ratio against 22.45%; 13.61% tier 1 leverage ratio against 14.52%.
Inside the full BHM Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -11.71% (Q4 2025) to 2.25% (Q1 2025) and its net interest margin ran from 3.50% (Q1 2026) to 5.52% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.69% | -1.89% | 9.48% | 41.75% | 4.17% |
| Q1 2026 | 20.21% | -5.97% | 10.55% | 40.45% | 3.50% |
| Q4 2025 | 22.46% | -11.71% | 10.43% | 37.39% | 4.70% |
| Q3 2025 | 22.23% | -0.18% | 10.33% | 36.02% | 3.94% |
| Q2 2025 | 22.45% | 1.17% | 10.21% | 37.22% | 3.75% |
| Q1 2025 | 20.42% | 2.25% | 3.86% | 16.20% | 3.84% |
| Q4 2024 | 21.62% | -7.62% | 4.06% | 17.21% | 4.61% |
| Q3 2024 | 23.09% | -1.43% | 0.00% | 15.67% | 5.52% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BHM Bank (main office) | Birmingham , AL | 35205 | $14.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action September 3, 2019. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in AL, rank 128 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $346K approved, $346K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about BHM Bank
What are BHM Bank's total assets?
As of the Q2 2026 filing, BHM Bank reported total assets of $17.4 million in its FFIEC call report.
Where is BHM Bank headquartered?
It is headquartered in Birmingham, AL, United States.
When was BHM Bank founded?
It was established in 2000, per the FDIC institution directory.
Is BHM Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BHM Bank?
BHM Bank's primary federal regulator is the FDIC.
What is BHM Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BHM Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BHM Bank's Texas Ratio?
Its Texas Ratio is 41.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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