# BHM BANK
BIRMINGHAM, AL · FDIC certificate 35314 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $17.4M | |
| Deposits | $14.2M | |
| Loans and leases | $10.6M | |
| Total equity | $2.4M | |
| Loans / deposits | 73.32% (p50 of band) | 73.59% |
| Liquid assets / assets | 32.34% (p49 of band) | |
| Uninsured deposits / deposits | 16.30% (p36 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.61% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -3.39% (p63 of band) | -6.57% |
| AOCI / equity | -0.88% (p30 of band) | |
| ROA (annualized) | -3.95% (p1 of band) | 1.17% |
| Net interest margin | 3.97% (p52 of band) | 3.93% |
| Efficiency ratio | 157.87% (p98 of band) | |
| Noncurrent loans | 9.48% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 0.27% (p94 of band) | |
| Reserve coverage of noncurrent | 14.04% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 39.10% (p72 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2012-06 | 6 | capital falling | uninsured deposits leaving |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 | construction >100% equity | charge-offs p90 |
| 2013-03 | 6 |  |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 5 |  | construction >100% equity |
| 2013-12 | 5 | construction >100% equity | noncurrent p90 |
| 2014-03 | 7 | noncurrent p90, charge-offs p90 |  |
| 2014-06 | 6 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2014-09 | 6 |  |  |
| 2014-12 | 7 | capital falling |  |
| 2015-03 | 7 | charge-offs p90 | uninsured deposits leaving |
| 2015-06 | 8 | deposits shrinking, assets shrinking | capital falling |
| 2015-09 | 6 |  | construction >100% equity, deposits shrinking |
| 2015-12 | 7 | deposits shrinking |  |
| 2016-03 | 5 |  | losing money, charge-offs p90 |
| 2016-06 | 3 |  | assets shrinking, deposits shrinking |
| 2016-09 | 3 | uninsured deposits leaving | expense ratio p90 |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking |  |
| 2017-06 | 6 | wholesale funding >15%, expense ratio p90 | liquid assets <10% |
| 2017-09 | 6 |  |  |
| 2017-12 | 7 | assets shrinking |  |
| 2018-03 | 8 | liquid assets <10%, losing money | assets shrinking |
| 2018-06 | 7 | capital falling, assets shrinking | loans exceed deposits, expense ratio p90, liquid assets <10% |
| 2018-09 | 6 | expense ratio p90 | wholesale funding >15%, capital falling |
| 2018-12 | 6 |  |  |
| 2019-03 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2019-06 | 8 |  |  |
| 2019-09 | 7 |  | uninsured deposits leaving |
| 2019-12 | 8 | capital falling |  |
| 2020-03 | 6 |  | deposits shrinking, charge-offs p90 |
| 2020-06 | 5 |  | expense ratio p90 |
| 2020-09 | 8 | expense ratio p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-12 | 7 |  | capital falling |
| 2021-03 | 7 |  |  |
| 2021-06 | 8 | capital falling |  |
| 2021-09 | 5 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2021-12 | 4 |  | capital falling |
| 2022-03 | 7 | NIM <2.5%, deposits shrinking, assets shrinking |  |
| 2022-06 | 6 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90, NIM <2.5% |
| 2022-09 | 5 | uninsured deposits leaving | assets shrinking, capital falling |
| 2022-12 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2023-03 | 6 | capital falling | charge-offs p90 |
| 2023-06 | 7 | charge-offs p90 |  |
| 2023-09 | 6 |  | deposits shrinking |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 3 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2024-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 2 |  | losing money, expense ratio p90, charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2026-03 | 6 | charge-offs p90, assets shrinking | uninsured deposits leaving |
| 2026-06 | 8 | capital falling, deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-27 [Georgia-owned bank sparks new identity in Bham - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPSEdNNVdwcFB1VFNhdU8yNmo3NFZpMlhTNHh0SHRTTDJ6OWFyUkdUZFpVbDBBdkQwNFBzLXlWOGdIVWtqalh2X3hkMkw0anZ2ZkN5ZlU4R2xDaUhPU1FhelZtVzR0SWRiYWNsMWY1bndfOGhWNTNaeEVvZXJBYlpHY0NQQldEdGdacGFSZ25kY000UV8yS3NJXzF1eHBaOE90alFB?oc=5) · The Business Journals
- 2026-05-25 [Carver State Bank expands to Atlanta and Birmingham, strengthens small business lending - WTOC](https://news.google.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?oc=5) · WTOC
- 2026-03-17 [BBJ's unveils Power 60 list of most influential executives for 2026 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPajk2MDIwR3BkdHFCbGQ1ak1lU2Rsdi1INkM5cVhUa3YzVXNxa0NOQ3NjY3hCQTRBU2JrY3BObGp6c2o4TWgta3FfZTFySmNuTkJTTUtJUTF0VUJJWk1HZEd2RnhlQ3pxX29oOV9XcWUzNjEycU5DUXZ6OHNJcTZ6MUU2S0JQMzk0Ri1aZ2x4SGRNRTFNbTE0WC1hRDB5ZVd1Z1VF?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35314 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "35314", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide