Bank Comparison
Bank of the Orient vs Helm Bank USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| CET1 Ratio | — | 29.51% |
| Tier 1 Capital Ratio | — | 29.51% |
| Total Capital Ratio | — | 30.78% |
| Tier 1 Leverage Ratio | 12.06% | 11.25% |
| Equity / Assets | 11.67% | 9.22% |
Profitability
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.05% |
| Return on Equity (ROE) | 7.39% | 11.94% |
| Net Interest Margin (NIM) | 3.57% | 3.94% |
| Yield on Earning Assets | 6.09% | 4.90% |
| Cost of Funds | 2.83% | 1.11% |
Asset quality
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| Texas Ratio | 5.16% | 8.76% |
| Non-Performing Loan Ratio | 0.79% | 1.60% |
| Non-Performing Asset Ratio | 0.66% | 0.89% |
| Net Charge-Off Ratio | 0.00% | -0.06% |
| ACL / Loans | 1.38% | 1.70% |
Balance sheet
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| Total Assets | $1,160M | $1,163M |
| Total Deposits | $996,322K | $1,047M |
| Total Loans | $970,880K | $645,731K |
| Total Equity | $135,384K | $107,313K |
| Net Income (quarter) | $2,479K | $3,189K |
Liquidity & funding
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 97.45% | 61.66% |
| Core Deposit Ratio | 80.60% | 71.54% |
| Uninsured Deposit Ratio | 17.46% | 53.98% |
Identity
| Metric | Bank of the Orient | Helm Bank USA |
|---|---|---|
| Headquarters City | SAN FRANCISCO | MIAMI |
| Headquarters State | CA | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 2 |
| Employees (FTE) | 104 | 158 |
| Established | March 17, 1971, midnight | Dec. 8, 1989, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Bank of the Orient profile | View full Helm Bank USA profile | Browse all bank comparisons