Bank Comparison
First National Bankers Bank vs Helm Bank USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| CET1 Ratio | — | 29.51% |
| Tier 1 Capital Ratio | — | 29.51% |
| Total Capital Ratio | — | 30.78% |
| Tier 1 Leverage Ratio | 15.96% | 11.25% |
| Equity / Assets | 14.39% | 9.22% |
Profitability
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| Return on Assets (ROA) | 0.80% | 1.05% |
| Return on Equity (ROE) | 5.19% | 11.94% |
| Net Interest Margin (NIM) | 3.11% | 3.94% |
| Yield on Earning Assets | 4.81% | 4.90% |
| Cost of Funds | 1.85% | 1.11% |
Asset quality
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| Texas Ratio | 2.48% | 8.76% |
| Non-Performing Loan Ratio | 0.83% | 1.60% |
| Non-Performing Asset Ratio | 0.39% | 0.89% |
| Net Charge-Off Ratio | 0.00% | -0.06% |
| ACL / Loans | 3.15% | 1.70% |
Balance sheet
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| Total Assets | $1,161M | $1,163M |
| Total Deposits | $390,632K | $1,047M |
| Total Loans | $547,278K | $645,731K |
| Total Equity | $167,050K | $107,313K |
| Net Income (quarter) | $2,152K | $3,189K |
Liquidity & funding
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| Loan-to-Deposit Ratio | 140.10% | 61.66% |
| Core Deposit Ratio | 100.00% | 71.54% |
| Uninsured Deposit Ratio | — | 53.98% |
Identity
| Metric | First National Bankers Bank | Helm Bank USA |
|---|---|---|
| Headquarters City | BATON ROUGE | MIAMI |
| Headquarters State | LA | FL |
| Asset Tier | Large | Large |
| Charter Class | 18278 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 131 | 158 |
| Established | July 2, 1984, 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.
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