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BDI
BB

BHM Bank

Birmingham, AlabamaFDIC Cert #35314

STATEEstablished 20001 branch

Holding company: CARVER FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio 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

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
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.

Gross loans
$9.56M
−7.4%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSGR
Net loans
$9.42M
−7.4%y/y
Percentile by value25th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
Loans YoY
−7.44%
−301.7%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
L/D
65.3%
−3.1%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + DEP
Loans/assets
53.1%
−1.6%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + ASSET
RE loans %
67.71%
−17.1%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
46%
−13.7%y/y
Percentile by value77th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
33%
−37.9%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,756points
+2.0%y/y
Peer standing44th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
31.76%
−13.0%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNLSGR
Investor CRE %
3.49%
Percentile by value61st percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROT + LNLSGR
C&I %
35.73%
+55.6%y/y
Percentile by value96th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNCI + LNLSGR