BlastPoint's Banking Scorecard
BHM Bank
Micro
Specialty: Commercial
AL
FDIC cert 35314
Designations: ✓ Community bank
Birmingham, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
BHM Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 13.60% above tier
- + Non-Interest Income / Assets 4.76% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 3.20% below tier
- - Efficiency Ratio 60.67% above tier
- - Delinquency Rate 9.97% above tier
- - Nonperforming Asset Ratio 5.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.5M
+4.5% YoY
-2.5% QoQ
|
-$198.9M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$9.8M
+1.5% YoY
-1.5% QoQ
|
-$129.3M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$15.0M
-0.1% YoY
-1.9% QoQ
|
-$168.7M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-2.11%
+60.2% YoY
-290.3% QoQ
|
-3.20% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.26%
-15.4% YoY
+4.9% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
128.39%
-39.1% YoY
+45.6% QoQ
|
+60.67% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
10.61%
+157.0% YoY
+1.0% QoQ
|
+9.97% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
65.62%
+1.5% YoY
+0.3% QoQ
|
-8.91% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
33.06%
+14.1% YoY
-10.2% QoQ
|
+10.66% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
5.91%
+133.0% YoY
+2.2% QoQ
|
+5.46% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
22.46%
+3.9% YoY
+1.0% QoQ
|
+13.60% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
5.32%
+8.1% QoQ
|
+4.76% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.46%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.32%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-2.11%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
128.39%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
10.61%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.91%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest Income / Assets
Current: 5.32% · Tier avg: 0.56%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.46% · Tier avg: 8.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.62% · Tier avg: 74.53%
3
3th pctile
Total Loans
Current: $9.8M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $15.0M · Tier avg: $183.7M
1
1th pctile
Efficiency Ratio
Current: 128.39% · Tier avg: 67.73%
1
1th pctile
Total Assets
Current: $18.5M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -2.11% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 10.61% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.91% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.91% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 10.61% · Tier avg: 0.64%
0
0th pctile
Return on Assets
Current: -2.11% · Tier avg: 1.08%
1
1th pctile
Total Assets
Current: $18.5M · Tier avg: $217.5M
1
1th pctile
Efficiency Ratio
Current: 128.39% · Tier avg: 67.73%
2
2th pctile
Total Deposits
Current: $15.0M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $9.8M · Tier avg: $139.2M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.62% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.06% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.46% · Tier avg: 8.85%
99
99th pctile
Non-Interest Income / Assets
Current: 5.32% · Tier avg: 0.56%