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Helm Bank USA

Miami, FL · Cert 32718

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Helm Bank USA

Miami, FL · Cert 32718

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.2BAssets
$669.8MLoans
$1.1BDeposits
$110.1MEquity
Loan mix
96%RE $618.3M1%C&I $9.3M3%Consumer $18.2MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $627.7M42%Noninterest $446.0MQ2 2025Q2 2026

NIM

4.51%Q2 ’244.67%Q2 ’254.72%Q2 ’26-1%+3%

Non-interest income vs. expense

2.90%Q2 ’243.00%Q2 ’252.88%Q2 ’26+5%-3%

Market Position · Miami-Fort Lauderdale-West Palm Beach, FL · 2026 SOD (annual) · 0.3% share · #41 of 86 inst. · $1.1B of $348.8B

0.5% Miami-Dade
0.0% Orange

Executive Summary

  • Earnings: ROA of 1.09%, up 15 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 1.65% of loans (+11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.18%, down 57 bps from a year ago.
  • Funding: loans stand at 62.38% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+11 bps YoY

Efficiency Ratio (YTD, annualized)

68.21%-375 bps YoY

Tier 1 Leverage Ratio

11.18%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.98%0.97%1.11%1.09%+15 bps
Return on Equity10.44%10.76%10.65%11.94%11.76%+132 bps
Net Interest Margin3.68%3.61%3.60%3.85%3.79%+11 bps
Efficiency Ratio71.97%70.29%70.23%67.45%68.21%-375 bps
Non-Interest Burden2.51%2.39%2.39%2.46%2.45%-6 bps
Growth
Asset Growth (YoY)5.44%12.39%12.62%9.21%9.51%+408 bps
Loan Growth (YoY)8.85%8.10%6.69%6.43%7.32%-153 bps
Deposit Growth (YoY)5.24%12.82%12.48%9.28%9.73%+449 bps
Asset Quality
Nonperforming Loans / Loans1.53%1.65%1.62%1.42%1.65%+11 bps
Net Charge-Offs / Loans-0.01%-0.01%0.02%-0.06%0.00%+1 bps
Allowance / Loans1.74%1.71%1.69%1.70%1.63%-11 bps
Allowance Coverage of NPLs1.1x1.0x1.0x1.2x1.0x-0.1x
Capital
Tier 1 Leverage Ratio11.75%11.60%11.12%11.25%11.18%-57 bps
Total Risk-Based Capital31.60%30.95%30.41%30.78%30.53%-107 bps
Equity / Assets9.17%9.35%9.34%9.22%9.23%+6 bps
Liquidity & Funding
Loans / Deposits63.79%63.27%62.96%61.66%62.38%-140 bps
Liquid Assets / Assets9.13%8.44%4.96%7.87%7.95%-117 bps
CRE / Total Capitaln/a10.03%9.33%9.75%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Helm Bank USA

Miami, FL · Cert 32718 · Peer group: banks $1B-$10B in assets (n=322-328)

State charter, non-member · FDIC · 2 branches

Q2 2026

$1.2BAssets
$669.8MLoans
$1.1BDeposits
$110.1MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of banks $1B-$10B in assets (rank 14 of 328).
  • Widest gap: nonperforming loans / loans trails 87% of banks $1B-$10B in assets (rank 282 of 322).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.06%

Rank 212 of 328

Net Interest Margin

3.79%

Rank 91 of 328

Efficiency Ratio

68.21%

Rank 255 of 328

Equity / Assets

9.23%

Rank 242 of 328

Non-interest income vs. expense

$5.3M$35.8MINCOMEEXPENSE
Unfavorable gap of $30.5M · efficiency ratio beats 23% of banks $1B-$10B in assets
Bank 68.21%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.91%1.22%1.52%Beats 35%212 / 328
Return on Equity11.52%8.43%11.45%14.43%Beats 51%161 / 328
Net Interest Margin3.79%3.03%3.45%3.83%Beats 72%91 / 328
Efficiency Ratio68.21%51.61%59.56%67.53%Beats 23%255 / 328
Asset Quality
Nonperforming Loans / Loans1.65%0.24%0.51%1.03%Beats 13%282 / 322
Net Charge-Offs / Loans0.02%0.01%0.03%0.10%Beats 57%140 / 322
Capital
Tier 1 Capital Ratio29.27%11.75%13.15%15.47%Beats 96%14 / 328
Total Risk-Based Capital Ratio30.53%12.63%14.15%16.46%Beats 96%14 / 328
Equity / Assets9.23%9.15%10.33%12.01%Beats 26%242 / 328
Liquidity & Funding
Loans / Deposits62.38%76.63%87.92%95.36%8th pctl297 / 323
Loans / Assets56.15%65.18%74.15%79.98%13th pctl285 / 328
Brokered Deposits / Depositsn/aNot reported for this institution