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
Unfavorable gap of $30.5M · efficiency ratio beats 23% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.91% | 1.22% | 1.52% | Beats 35% | 212 / 328 | | |
| Return on Equity | 11.52% | 8.43% | 11.45% | 14.43% | Beats 51% | 161 / 328 | | |
| Net Interest Margin | 3.79% | 3.03% | 3.45% | 3.83% | Beats 72% | 91 / 328 | | |
| Efficiency Ratio | 68.21% | 51.61% | 59.56% | 67.53% | Beats 23% | 255 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.65% | 0.24% | 0.51% | 1.03% | Beats 13% | 282 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 57% | 140 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 29.27% | 11.75% | 13.15% | 15.47% | Beats 96% | 14 / 328 | | |
| Total Risk-Based Capital Ratio | 30.53% | 12.63% | 14.15% | 16.46% | Beats 96% | 14 / 328 | | |
| Equity / Assets | 9.23% | 9.15% | 10.33% | 12.01% | Beats 26% | 242 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.38% | 76.63% | 87.92% | 95.36% | 8th pctl | 297 / 323 | | |
| Loans / Assets | 56.15% | 65.18% | 74.15% | 79.98% | 13th pctl | 285 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |