BlastPoint's Banking Scorecard
Helm Bank USA
Designations: ✓ Community bank
Miami, FL
2 branches across FL
Helm Bank USA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 41.9% in tier
- + Loan-to-Deposit Ratio 23.59% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 27.0% in tier
- - ROA 0.26% below tier average
- - Efficiency Ratio 6.39% above tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.2% YoY
+2.3% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.7% in tier |
| Total Loans ? |
$634.7M
+6.5% YoY
+0.4% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.9% in tier |
| Total Deposits ? |
$1.0B
+9.3% YoY
+2.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
1.11%
+28.5% YoY
+13.8% QoQ
|
-0.26% |
1.37%
+19.6% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.16%
+2.5% YoY
+2.2% QoQ
|
+0.34% |
3.82%
+6.9% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
67.45%
-8.6% YoY
-4.0% QoQ
|
+6.39% |
61.06%
-4.6% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
1.44%
-2.0% YoY
-12.3% QoQ
|
+0.56% |
0.89%
+14.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
60.61%
-2.5% YoY
-2.1% QoQ
|
-23.59% |
84.20%
+0.3% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.75%
-6.9% YoY
+5.3% QoQ
|
+20.46% |
21.29%
-2.5% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
Top 4.1% in tier |
| Nonperforming Asset Ratio ? |
0.79%
-4.4% YoY
-13.9% QoQ
|
+0.11% |
0.67%
+15.6% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
29.51%
-4.0% YoY
+1.3% QoQ
|
+14.35% |
15.16%
+2.0% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 2.4% in tier |
| Non-Interest Income / Assets ? |
0.11%
-9.9% YoY
-76.9% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
37% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.