River birches naturally shed leaves in July–August when soil dries out. The tree prioritizes survival over foliage. Your tree looks healthy; early leaf drop rarely causes long-term harm.
To reduce loss: Expand mulch to the drip line and place soaker hoses there—roots are at the edge, not near the trunk. Bermudagrass competes heavily for water.
No need to remove the tree. It will recover each spring.




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