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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