Helm Bank USA
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Data as of · sourced from FFIEC call reports. How we update
Helm Bank USA is an FDIC-insured commercial bank headquartered in Miami, FL, established in 1989 (FDIC certificate 32718), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.19B, up 9.5% from Q2 2025, the 28th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 29.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32718
- Headquarters
- Miami, FL
- Established
- 1989
- Total assets, Q2 2026
- $1.19B
- Assets vs Q2 2025
- +9.5%
- CET1 ratio, Q2 2026
- 29.27%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 067011456
- Asset rank in state
- 28th of 81 in Florida
Helm Bank USA, based in Miami, Florida, reported $1.2 billion in assets at June 30, 2026, up 9.5% from a year earlier. It pays an average of 1.10% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 29.27% of its risk-weighted assets, about double the median of 13.52% for banks its size.
Unrealized losses on its securities total $39 million, equal to 28% of Tier 1 capital, against 33% a year earlier. Net income for the quarter rose 16% from a year earlier, to $3.2 million. Credit is the area to watch: it carries problem assets equal to 9.1% of the capital and reserves that would absorb them, 2.5 times the median of 3.6% for banks its size.
As of June 30, 2026, Helm Bank USA reported a CET1 capital ratio of 29.27%, a return on assets of 1.01%, a nonperforming-loan ratio of 1.65% and a Texas ratio of 9.11%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Helm Bank USA is the 28th largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $1.19B, loans rose 3.7% and deposits rose 2.5%. 1-4 family residential loans made up 93.1% of its total loans on June 30, 2026, its largest category; next came auto loans at 2.5%. The FDIC Summary of Deposits lists 2 offices for it, in Miami, FL and Orlando, FL; its Miami office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Helm Bank USA meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 999 Brickell Ave, Miami, FL 33131
- County
- Miami-Dade
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 8, 1989
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 158
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $1.24B
- Average total loans
- $652.6M
- Average interest-bearing deposits
- $623.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1989
- FDIC Cert
- 32718
- Fed RSSD
- 1414819
- Website
- www.helmbankusa.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Helm Bank USA's total assets moved between a low of $1.01B (Q4 2024) and a high of $1.19B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.19B total assets against $1.09B; $1.08B total liabilities against $989.3M.
$658.9M net loans and leases against $613.3M; $1.07B total deposits against $978.4M.
$410.4M securities against $345.6M; $102.6M cash and balances due against $107.3M.
$14.9M total interest income against $13.3M; $2.9M total interest expense against $2.8M.
$11.9M net interest income against $10.5M.
$1.4M total noninterest income against $1.4M; $9.2M total noninterest expense against $8.4M.
$0 provision for credit losses against $0.
$3.2M net income against $2.7M.
1.01% return on assets against 0.97%; 3.92% net interest margin against 4.00%.
29.27% CET1 capital ratio against 30.34%; 11.18% tier 1 leverage ratio against 11.75%.
Inside the full Helm Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Helm Bank USA rankings
Its closest position to the top of a national ranking is 90 of 2,134, for CET1 ratio; its furthest is 2,621 of 3,606, for efficiency ratio.
Metric pages for Helm Bank USA: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 1.05% (Q1 2026) and its net interest margin ran from 3.90% (Q4 2024) to 4.07% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.27% | 1.01% | 1.65% | 9.11% | 3.92% |
| Q1 2026 | 29.51% | 1.05% | 1.42% | 7.75% | 3.94% |
| Q4 2025 | 29.14% | 0.90% | 1.62% | 8.89% | 4.07% |
| Q3 2025 | 29.69% | 1.01% | 1.65% | 9.08% | 3.96% |
| Q2 2025 | 30.34% | 0.97% | 1.53% | 8.63% | 4.00% |
| Q1 2025 | 30.73% | 0.81% | 1.45% | 8.23% | 3.95% |
| Q4 2024 | 30.35% | 0.57% | 1.57% | 9.44% | 3.90% |
| Q3 2024 | 30.08% | 0.45% | 1.01% | 5.62% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Helm Bank USA (main office) | Miami , FL | 33131 | $1.07B |
| Orlando Branch | Orlando , FL | 32801 | $2.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 9, 1990 | Structure Change | Acquired Brickellbanc Sa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 9, 1989 | Structure Change | Acquired Orange State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 8, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in FL, rank 63 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 229 applications, 163 loans originated, $101.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $165K approved, $82K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Helm Bank USA
What are Helm Bank USA's total assets?
As of the Q2 2026 filing, Helm Bank USA reported total assets of $1.19 billion in its FFIEC call report.
Where is Helm Bank USA headquartered?
It is headquartered in Miami, FL, United States.
When was Helm Bank USA founded?
It was established in 1989, per the FDIC institution directory.
Is Helm Bank USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Helm Bank USA?
Helm Bank USA's primary federal regulator is the FDIC.
What is Helm Bank USA's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Helm Bank USA operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Helm Bank USA's Texas Ratio?
Its Texas Ratio is 9.11% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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