BHM Bank (FDIC certificate #35314) is based in Birmingham, Alabama. Its Q2 2026 call report shows $17.4M in total assets and $14.2M in deposits and 1 office.
Based on its Q2 2026 filing, BHM Bank scores 40/100, which we describe as below average. That is higher than only 4% of 546 banks with under $100 million in assets. Among 93 banks headquartered in Alabama, it ranks 91st. Its strongest component is capital cushion (86/100; 13.61%), and its lowest is earnings (0/100; -3.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (63 → 40), mostly because the earnings component weakened by 91 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 48 |
| Q3 2024 | 76 |
| Q4 2024 | 46 |
| Q1 2025 | 68 |
| Q2 2025 | 63 |
| Q3 2025 | 58 |
| Q4 2025 | 46 |
| Q1 2026 | 42 |
| Q2 2026 | 40 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.90% |
| Q3 2024 | 16.32% |
| Q4 2024 | 13.49% |
| Q1 2025 | 14.13% |
| Q2 2025 | 14.52% |
| Q3 2025 | 14.62% |
| Q4 2025 | 14.66% |
| Q1 2026 | 13.66% |
| Q2 2026 | 13.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.26% |
| Q3 2024 | 0.00% |
| Q4 2024 | 4.06% |
| Q1 2025 | 3.86% |
| Q2 2025 | 10.21% |
| Q3 2025 | 10.33% |
| Q4 2025 | 10.43% |
| Q1 2026 | 10.55% |
| Q2 2026 | 9.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -5.94% |
| Q3 2024 | -4.39% |
| Q4 2024 | -5.31% |
| Q1 2025 | 2.32% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.11% |
| Q4 2025 | -2.11% |
| Q1 2026 | -5.96% |
| Q2 2026 | -3.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 40 | $17.4M | 13.61% | 9.48% | -3.95% | 73.3% |
| Q1 2026 | 42 | $17.7M | 13.66% | 10.55% | -5.96% | 65.3% |
| Q4 2025 | 46 | $18.5M | 14.66% | 10.43% | -2.11% | 65.6% |
| Q3 2025 | 58 | $19.0M | 14.62% | 10.33% | 1.11% | 65.4% |
| Q2 2025 | 63 | $18.9M | 14.52% | 10.21% | 1.77% | 68.4% |
| Q1 2025 | 68 | $18.8M | 14.13% | 3.86% | 2.32% | 67.4% |
| Q4 2024 | 46 | $17.7M | 13.49% | 4.06% | -5.31% | 64.6% |
| Q3 2024 | 76 | $18.7M | 16.32% | 0.00% | -4.39% | 61.5% |
| Q2 2024 | 48 | $17.7M | 14.90% | 5.26% | -5.94% | 69.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Progressive BankBank Brewton, AL | 51 out of 100, Below average | $31.6M | 28.0% | 3.82% | vs |
| Solutions Plus BankBank Albertville, AL | 79 out of 100, Strong | $43.9M | 56.7% | 0.00% | vs |
| Bank of BrewtonBank Brewton, AL | 93 out of 100, Very strong | $49.6M | 20.6% | 0.00% | vs |
| Dozier BankBank Dozier, AL | 73 out of 100, Strong | $54.8M | 26.8% | 1.84% | vs |
| Bank of EvergreenBank Evergreen, AL | 81 out of 100, Strong | $78.1M | 14.2% | 0.59% | vs |
| Commonwealth National BankBank Mobile, AL | 45 out of 100, Below average | $78.5M | 13.7% | 4.31% | vs |
Deposit insurance
Is my money safe at BHM Bank?
Yes. BHM Bank is an FDIC-insured institution (FDIC certificate #35314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.3% of deposits ($2.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.80% (benchmark: 10%).
1 location
Branches
BHM Bank lists 1 office in 1 city. Most locations:
- Birmingham, AL (1)
Identity & history
Profile
- Legal name
- BHM Bank
- Former names
- Alamerica Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35314
- RSSD ID
- 2877484
- Primary regulator
- FDIC
- Holding company
- Carver Financial Corp
- Established
- January 28, 2000
- Headquarters
- 2170 Highland Ave S, Birmingham, AL 35205
- Website
- bhm.bank
- Employees
- 11
Quick answers
BHM Bank: common questions
Is BHM Bank FDIC insured?
Yes. BHM Bank is an FDIC-insured institution (FDIC certificate #35314). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BHM Bank's TellerScore?
40 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BHM Bank ever failed?
There is no failure record for FDIC certificate #35314 in the FDIC failed bank list.
How many branches does BHM Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |