BHM Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Efficiency ratio dropped 157.12 percentage points in Q2 2026, from 275.32% to 118.20%. It was the largest change from Q1 2026 among the key lines here. BHM Bank has the 4th lowest return on assets of the 93 banks headquartered in Alabama, at -1.89% as of Q2 2026. Against a median of 1.00% for banks in the < $100M asset tier, BHM Bank reported -1.89% on return on assets in Q2 2026, 2.89 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.69% |
| Tier 1 risk-based capital ratio | 18.69% |
| Total risk-based capital ratio | 19.80% |
| Tier 1 leverage ratio | 13.61% |
| Equity capital to assets | 13.74% |
| Tangible equity to tangible assets | 13.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 9.48% |
| Non-performing assets ratio | 6.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 41.75% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 14.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.89% |
| Return on equity | -13.63% |
| Net interest margin | 4.17% |
| Efficiency ratio | 118.20% |
| Yield on earning assets | 5.57% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.31% |
| Core deposits to total deposits | 79.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.89% |
| Securities to assets | 17.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 28.78% | 28.78% | 29.56% | 21.88% | -3.83% |
| Q4 2023 | 25.93% | 25.93% | 26.86% | 20.48% | -3.49% |
| Q1 2024 | 22.79% | 22.79% | 23.99% | 15.56% | -7.38% |
| Q2 2024 | 20.97% | 20.97% | 22.15% | 14.90% | -4.19% |
| Q3 2024 | 23.09% | 23.09% | 24.28% | 16.32% | -1.43% |
| Q4 2024 | 21.62% | 21.62% | 22.87% | 13.49% | -7.62% |
| Q1 2025 | 20.42% | 20.42% | 21.58% | 14.13% | 2.25% |
| Q2 2025 | 22.45% | 22.45% | 23.70% | 14.52% | 1.17% |
| Q3 2025 | 22.23% | 22.23% | 23.48% | 14.62% | -0.18% |
| Q4 2025 | 22.46% | 22.46% | 23.71% | 14.66% | -11.71% |
| Q1 2026 | 20.21% | 20.21% | 21.37% | 13.66% | -5.97% |
| Q2 2026 | 18.69% | 18.69% | 19.80% | 13.61% | -1.89% |
BHM Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BHM Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)