$9.56M
−7.4%y/y
Percentile by value16th percentileby value
FDIC
LNLSGRBB
BHM Bank
Birmingham, AlabamaFDIC Cert #35314
STATEEstablished 20001 branch
Holding company: CARVER FINANCIAL CORPRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $3.04M |
| Investor CRE | $334K |
| Multifamily | $0 |
| Construction | $858K |
| 1–4 family | $1.81M |
| C&I | $3.42M |
| Agriculture | $0 |
| Other | $110K |
Loan book
Reported balances and balance-sheet intensity.
$9.42M
−7.4%y/y
Percentile by value16th percentileby value
FDIC
LNLSNET−7.44%
−301.7%y/y
Percentile by value12th percentileby value
FDIC
LNLSNET65.3%
−3.1%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET + DEP53.1%
−1.6%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET + ASSET67.71%
−17.1%y/y
Percentile by value47th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
46%
−13.7%y/y
Percentile by value63rd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC33%
−37.9%y/y
Percentile by value84th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,756points
+2.0%y/y
Peer standing48th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD31.76%
−13.0%y/y
Percentile by value97th percentileby value
FDIC
LNRENROW + LNLSGR3.49%
Percentile by value50th percentileby value
FDIC
LNRENROT + LNLSGR35.73%
+55.6%y/y
Percentile by value96th percentileby value
FDIC
LNCI + LNLSGR