BHM Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 23.7 and a capital leverage ratio of 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 3.0, driven by a liquidity ratio of 39.1 percent and a “hot money” ratio of 42.5 percent. A current level of 36.0 percent of nonperforming loans to core capital combined with 15.3 percent from a year earlier contributes to the Weak asset quality (1.7).
Asset Mix:
Comm re (19%), cash (19%), securities (18%), comm loans (17%), home mtgs (8%), home eq lns (4%), consumer loans (1%), other (13%)
States with Branches:
AL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Carver Financial Corporation
Investment Rating
--
Address
2170 Highland Avenue, South
Birmingham, AL 35205
Birmingham, AL 35205
Phone Number
(205) 558-4600
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.