BHM Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks BHM Bank of Birmingham, AL against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -1.89% | 0.85% | -2.74% | 5th bottom |
| ROAE | -13.63% | 5.23% | -18.86% | 3rd bottom |
| Net Interest Margin | 4.17% | 3.94% | +0.23% | 63rd above |
| Efficiency Ratio | 118.20% | 74.96% | +43.24% | 7th bottom |
| PPNR / Avg Assets | -1.89% | — | — | 2nd bottom |
| Yield on Earning Assets | 5.57% | 5.42% | +0.15% | 64th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.58% | 1.69% | -0.11% | 49th below |
| Net Interest Spread | 3.13% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 9.48% | 1.34% | +8.14% | 2nd bottom |
| NPA / Total Assets | 6.07% | — | — | 2nd bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.33% | — | — | 58th above |
| ACL / NPLs (Coverage) | 14.04% | — | — | 2nd bottom |
| Texas Ratio | 41.75% | 7.23% | +34.52% | 2nd bottom |
| Provision / NCO | 0.00% | — | — | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.69% | 25.12% | -6.43% | 34th below |
| Tier 1 Ratio | 18.69% | 25.12% | -6.43% | 34th below |
| Total Capital Ratio | 19.80% | — | — | 34th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 13.61% | 14.13% | -0.52% | 55th above |
| Equity / Assets | 13.74% | 13.07% | +0.67% | 59th above |
| TCE / Tangible Assets | 13.74% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.31% | 68.58% | +5.73% | 40th below |
| Core Deposit Ratio | 79.23% | 88.79% | -9.56% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.75% | — | — | 5th bottom |
| Loan Growth (Y/Y) | 0.68% | — | — | 42nd below |
| Deposit Growth (Y/Y) | -5.79% | — | — | 10th bottom |
See BHM Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock BHM Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full BHM Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the BHM Bank peer analysis.