BHM Bank: how it compares with its peers
Against 103 U.S. banks with half to twice its assets, BHM Bank's strongest measure in Q2 2026 is net interest margin (3.97% vs. a 3.79% peer median). Its weakest relative measure is return on assets (-3.95% vs. 1.08%).
| Measure | BHM Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.95% | 1.08% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 3.79% | Middle third Ahead of 59% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 157.87% | 79.80% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.6M | $3.5M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.32% | 60.68% | Context |
What it means for lending operations
Its efficiency ratio of 157.87% is above the 79.80% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Huntingdon Savings Bank Huntingdon, PA · $18M
- Hartsburg State Bank Hartsburg, IL · $18M
- Dysart State Bank Dysart, IA · $17M
Questions about BHM Bank
How big is BHM Bank?
BHM Bank, established in 2000, is headquartered in Birmingham, AL. It reported $17M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is BHM Bank's return on assets?
-3.95% annualized in Q2 2026, against a 1.08% median for 103 U.S. banks with half to twice its assets, ahead of 8% of them.
What is BHM Bank's efficiency ratio?
157.87% in Q2 2026: it spent about 158 cents in noninterest expense for each dollar of revenue. The peer median is 79.80%, and lower is better.
Is BHM Bank growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits shrank 5.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Alabama bank ranked.