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Helm Bank USA

$1B-$10B Specialty: Mortgage FL FDIC cert 32718

Designations: ✓ Community bank

Miami, FL

2 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
  • Deposits +9.7% year over year ($1.1B on the books).
  • Delinquency rate 1.67%.
  • Return on assets 1.09%.
  • Efficiency ratio 68.21% vs a 59.73% peer average.
  • Loan-to-deposit ratio 61.37% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 24 in FL
View $1B-$10B leaderboard (FL) →

Helm Bank USA has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 42.5% in tier
  • + Loan-to-Deposit Ratio 23.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 25.6% in tier
  • - Credit Risk Growth: Bottom 36.1% in tier
  • - ROA 0.30% below tier average
  • - Efficiency Ratio 8.49% above tier average
Get updates when Helm Bank USA releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Total Assets ? $1.2B
+9.5% YoY +2.5% QoQ
-$1.6B $2.8B
-0.6% YoY
$4.3B
+7.0% YoY
$6.3B
+7.7% YoY
17%
Total Loans ? $658.9M
+7.4% YoY +3.8% QoQ
-$1.3B $2.0B
-0.3% YoY
$3.0B
+8.2% YoY
$3.2B
+9.4% YoY
Bottom 6.4% in tier
Total Deposits ? $1.1B
+9.7% YoY +2.5% QoQ
-$1.2B $2.3B
-0.5% YoY
$3.5B
+7.0% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 1.09%
+15.8% YoY -1.8% QoQ
-0.30% 1.39%
+17.0% YoY
0.62%
-8.3% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 4.15%
+2.6% YoY -0.1% QoQ
+0.28% 3.87%
+6.2% YoY
3.70%
+0.5% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 68.21%
-5.2% YoY +1.1% QoQ
+8.49% 59.73%
-12.6% YoY
199.20%
+161.3% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 1.67%
+7.3% YoY +15.8% QoQ
+0.81% 0.87%
+11.7% YoY
0.61%
-2.0% YoY
0.98%
+16.3% YoY
Bottom 12.9% in tier
Loan-to-Deposit Ratio ? 61.37%
-2.1% YoY +1.2% QoQ
-23.67% 85.04%
-0.1% YoY
72.91%
-1.7% YoY
79.03%
+2.3% YoY
Top 8.0% in tier
Non-Interest-Bearing Deposit Share ? 41.54%
-6.0% YoY -0.5% QoQ
+20.27% 21.27%
-1.5% YoY
27.35%
-2.5% YoY
21.98%
-0.6% YoY
Top 3.7% in tier
Nonperforming Asset Ratio ? 0.92%
+5.3% YoY +17.2% QoQ
+0.25% 0.67%
+11.7% YoY
0.42%
-2.6% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 29.27%
-3.5% YoY -0.8% QoQ
+14.43% 14.84%
-0.4% YoY
19.50%
+8.2% YoY
17.09%
+0.8% YoY
Top 2.3% in tier
Non-Interest Income / Assets ? 0.22%
-11.4% YoY +100.3% QoQ
-0.30% 0.53%
+2.5% YoY
1.02%
+6.4% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Noninterest-Bearing 41.5%
-2.6pp YoY
-0.2pp QoQ
 +20.2pp 21.4% 27.7% 22.2% 96%
Brokered Deposits n/a n/a 9.5% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
C&I 1.9%
+1.0pp YoY
+0.4pp QoQ
 -12.1pp 14.0% 12.9% 12.5% 5%
CRE 2.4%
+0.3pp YoY
+0.3pp QoQ
 -47.6pp 50.0% 50.6% 41.4% 0%
1-4 Family 94.6%
-1.7pp YoY
-0.7pp QoQ
 +68.2pp 26.4% 30.7% 31.3% 99%
Consumer 2.7%
+0.3pp YoY
-0.1pp QoQ
 -2.0pp 4.7% 3.7% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
CET1 Ratio 29.3%
-1.1pp YoY
-0.2pp QoQ
 +13.7pp 15.6% 19.8% 19.7% 97%
Leverage Ratio 11.2%
-0.6pp YoY
-0.1pp QoQ
 -0.1pp 11.3% 13.9% 12.6% 63%
Total Capital Ratio 30.5%
-1.1pp YoY
-0.2pp QoQ
 +13.8pp 16.7% 21.1% 20.8% 97%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Full-Time Employees 158
+28 (+21.5%) YoY
0 QoQ
 -156 313 295 482 25%
Assets per Employee ($) $7.5M
-9.9% YoY
+2.5% QoQ
 -$2.9M $10.5M $10.3M $8.8M 32%
Branch Count 2
0 YoY
0 QoQ
 -18 20 13 18 5%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
 -0.1pp 0.2% 0.3% 0.4% 74%
Nonaccrual 1.6%
0.0pp YoY
+0.1pp QoQ
 +0.8pp 0.8% 0.7% 1.0% 88%
Allowance Coverage 0.99x
-12.7% YoY
-17.4% QoQ
 -17.72x 18.71x 16.62x 20.23x 23%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
ROE 11.8%
+1.3pp YoY
-0.2pp QoQ
 -0.8pp 12.6% 9.3% 11.6% 48%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.9% 1.8% 1.7% 6%
Net Income ($, YTD) $6.3M
+27.9% YoY
— QoQ
 -$12.9M $19.2M $25.2M $40.4M 18%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#35 of 80 • Top 42.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 41.54%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.15%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk
#45 of 172 • Bottom 25.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 29.27%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 61.37%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#146 of 402 • Bottom 36.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

21
Tier 1 Capital Ratio
capital
Value: 29.27%
Peer Median: 14.84%
#21 of 885 Top 2.3% in $1B-$10B
34
Non-Interest-Bearing Deposit Share
funding
Value: 41.54%
Peer Median: 21.27%
#34 of 885 Top 3.7% in $1B-$10B
72
Loan-to-Deposit Ratio
liquidity
Value: 61.37%
Peer Median: 85.04%
#72 of 885 Top 8.0% in $1B-$10B
218
Net Interest Margin
profitability
Value: 4.15%
Peer Median: 3.87%
#218 of 885 Top 24.5% in $1B-$10B

Top Weaknesses (6 metrics)

829
Total Loans
size
Value: $658.86M
Peer Median: $1.96B
#829 of 885 Bottom 6.4% in $1B-$10B
769
Delinquency Rate
credit_quality
Value: 1.67%
Peer Median: 0.87%
#769 of 882 Bottom 12.9% in $1B-$10B
739
Total Assets
size
Value: $1.19B
Peer Median: $2.79B
#739 of 885 Bottom 16.6% in $1B-$10B
700
Total Deposits
size
Value: $1.07B
Peer Median: $2.32B
#700 of 885 Bottom 21.0% in $1B-$10B
674
Nonperforming Asset Ratio
credit_quality
Value: 0.92%
Peer Median: 0.67%
#674 of 885 Bottom 24.0% in $1B-$10B
668
Efficiency Ratio
profitability
Value: 68.21%
Peer Median: 59.73%
#668 of 885 Bottom 24.6% in $1B-$10B
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