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Bhm Bank
Birmingham, AL · FDIC Certificate #35314 · Chartered 01/2
Total assets
$17.40M
Total deposits
$14.25M
Total equity
$2.39M
Net loans
$10.45M
Branches (offices)
1
Net income (YTD)
-$353.00K
Rank: #4,192 of 4,213 U.S. banks by assets · #93 of 93 in Alabama. Assets changed -7.7% and deposits -5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -3.95% |
| Return on equity | -27.73% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 13.74% |
| Tier 1 leverage ratio | 13.61% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 9.48% |
| Net charge-offs (share of loans) | 0.48% |
| Loans to deposits | 73.3% |
| Real estate loans (share of loans) | 58.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.10M | 58.4% | |
| Commercial & industrial | $4.38M | 41.9% | |
| Consumer / individual | $117.00K | 1.1% | |
| Construction & development | $935.00K | 9.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $14.28M | $12.20M | -$231.00K | $2.01M |
| Jun 2023 | $14.38M | $10.64M | -$312.00K | $3.32M |
| Jun 2024 | $17.71M | $14.95M | -$527.00K | $2.53M |
| Jun 2025 | $18.86M | $15.12M | $164.00K | $2.85M |
| Jun 2026 | $17.40M | $14.25M | -$353.00K | $2.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $14.25M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $14.25M.
Similar-sized banks
Huntingdon Savings Bank ($17.89M) · Dysart State Bank ($16.54M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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