HELM BANK USA

MIAMI, FL | Large | Est. Dec. 8, 1989, midnight | FDIC #32718 | RSSD #1414819 | FDIC
Latest Report: 2025-12-31

HELM BANK USA is aln large FDIC-insured commercial bank headquartered in MIAMI, FL, established in Dec. 8, 1989, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $1.0B. Profitability stands at 0.95% ROA and 10.15% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 29.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.62% and a Texas Ratio of 8.87%. FDIC Certificate #32718.

Assets

$1.1B

Deposits

$1.0B

Loans

$643M

Equity

$106M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 10.15%
Net Interest Margin (NIM) 4.39%
Yield on Assets 5.55%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 1.62%
Net Charge-Off Ratio 0.02%
Texas Ratio 8.87%
NPA Ratio 0.91%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 29.14%
Tier 1 Capital 29.14%
Total Capital Ratio 30.41%
Leverage Ratio 11.12%
Loan-to-Deposit 62.96%

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