BHM Bank
Total assets
$17.4M
▼ -7.7% YoY
Deposits
$14.2M
▼ -5.8% YoY
Loans
$10.4M
▲ +0.9% YoY
Offices
1
CARVER FINANCIAL CORP
ROA (annualized)
-3.95%
peers 0.99%
ROE (annualized)
-27.73%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | BHM Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +3.0% | -10.8 pts |
| Deposit growth (YoY) | -5.8% | +2.5% | -8.3 pts |
| Loan growth (YoY) | +0.9% | +2.6% | -1.7 pts |
| ROA | -3.95% | 0.99% | -4.9 pts |
| ROE | -27.7% | 8.1% | -35.8 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
Profile
- Established
- 2000
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CARVER FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 2170 Highland Ave S, Birmingham, AL, 35205
- County
- Jefferson
- Metro area
- Birmingham-Hoover, AL
- Offices
- 1
- FDIC cert #
- 35314
- RSSD ID
- 2877484
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.4M | $14.2M | $10.4M | $2.4M | $-353K | -3.95% | 3.97% | 6.07% |
| Q1 2026 | $17.7M | $14.4M | $9.4M | $2.5M | $-270K | -5.96% | 3.68% | 5.99% |
| Q4 2025 | $18.5M | $15.0M | $9.8M | $2.8M | $-393K | -2.11% | 4.26% | 5.91% |
| Q3 2025 | $19.0M | $15.3M | $10.0M | $2.9M | $155K | 1.11% | 4.06% | 5.78% |
| Q2 2025 | $18.9M | $15.1M | $10.3M | $2.9M | $164K | 1.77% | 4.03% | 5.96% |
| Q1 2025 | $18.8M | $15.1M | $10.2M | $2.6M | $106K | 2.32% | 4.03% | 2.38% |
| Q4 2024 | $17.7M | $15.0M | $9.7M | $2.5M | $-951K | -5.31% | 5.03% | 2.54% |
| Q3 2024 | $18.7M | $15.6M | $9.6M | $2.9M | $-591K | -4.39% | 5.08% | 2.55% |
Loan mix (Q2 2026): real estate $6.1M · commercial $4.4M · consumer $117K · securities $3.1M
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| Ratio | BHM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.95% | 0.99% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -27.7% | 8.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% | 55th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 157.9% | 70.8% | 96th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BHM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BHM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BHM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BHM Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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