BHM Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total risk-based capital ratio dropped 1.57 percentage points in Q2 2026, from 21.37% to 19.80%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, BHM Bank is 8th of 36 on CET1 ratio, 18.69% as of Q2 2026. The median for banks in the < $100M asset tier is 19.96% on CET1 ratio. BHM Bank sits 1.27 points lower, at 18.69% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.69% |
| Tier 1 risk-based capital ratio | 18.69% |
| Total risk-based capital ratio | 19.80% |
| Tier 1 leverage ratio | 13.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.4M |
| Tier 1 capital | $2.4M |
| Total risk-based capital | $2.5M |
| Total equity capital | $2.4M |
| Risk-weighted assets | $12.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.74% |
| Tangible equity to tangible assets | 13.74% |
| Equity capital to average assets | 13.62% |
| Internal capital growth rate | -13.38% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $12.4M |
| Retained earnings | -$9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$81K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 28.78% | 28.78% | 29.56% | 21.88% | $11.6M |
| Q4 2023 | 25.93% | 25.93% | 26.86% | 20.48% | $12.3M |
| Q1 2024 | 22.79% | 22.79% | 23.99% | 15.56% | $12.5M |
| Q2 2024 | 20.97% | 20.97% | 22.15% | 14.90% | $12.7M |
| Q3 2024 | 23.09% | 23.09% | 24.28% | 16.32% | $12.6M |
| Q4 2024 | 21.62% | 21.62% | 22.87% | 13.49% | $11.8M |
| Q1 2025 | 20.42% | 20.42% | 21.58% | 14.13% | $13.0M |
| Q2 2025 | 22.45% | 22.45% | 23.70% | 14.52% | $12.8M |
| Q3 2025 | 22.23% | 22.23% | 23.48% | 14.62% | $12.7M |
| Q4 2025 | 22.46% | 22.46% | 23.71% | 14.66% | $12.2M |
| Q1 2026 | 20.21% | 20.21% | 21.37% | 13.66% | $12.2M |
| Q2 2026 | 18.69% | 18.69% | 19.80% | 13.61% | $12.7M |
BHM Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BHM Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BHM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35314) · FFIEC NIC profile (RSSD 2877484)