Helm Bank USA: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.2% from Q1 2026 to Q2 2026, ending at $475.6M against $461.0M. It was the largest change among the key lines on this page. Within Florida, Helm Bank USA is 7th of 56 on CET1 ratio, 29.27% as of Q2 2026, above the middle of the field. Helm Bank USA's CET1 ratio of 29.27% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 15.79 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.27% |
| Tier 1 risk-based capital ratio | 29.27% |
| Total risk-based capital ratio | 30.53% |
| Tier 1 leverage ratio | 11.18% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $139.2M |
| Tier 1 capital | $139.2M |
| Total risk-based capital | $145.2M |
| Total equity capital | $110.1M |
| Risk-weighted assets | $475.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.23% |
| Tangible equity to tangible assets | 9.23% |
| Equity capital to average assets | 8.85% |
| Internal capital growth rate | 11.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $9.0M |
| Common stock surplus | $8.8M |
| Retained earnings | $121.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$29.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 29.76% | 29.76% | 31.02% | 10.61% | $394.7M |
| Q4 2023 | 28.55% | 28.55% | 29.81% | 10.79% | $419.6M |
| Q1 2024 | 28.95% | 28.95% | 30.21% | 10.93% | $422.4M |
| Q2 2024 | 29.08% | 29.08% | 30.35% | 11.33% | $428.1M |
| Q3 2024 | 30.08% | 30.08% | 31.34% | 11.50% | $418.0M |
| Q4 2024 | 30.35% | 30.35% | 31.62% | 11.88% | $419.3M |
| Q1 2025 | 30.73% | 30.73% | 32.00% | 11.70% | $421.4M |
| Q2 2025 | 30.34% | 30.34% | 31.60% | 11.75% | $435.8M |
| Q3 2025 | 29.69% | 29.69% | 30.95% | 11.60% | $455.3M |
| Q4 2025 | 29.14% | 29.14% | 30.41% | 11.12% | $455.9M |
| Q1 2026 | 29.51% | 29.51% | 30.78% | 11.25% | $461.0M |
| Q2 2026 | 29.27% | 29.27% | 30.53% | 11.18% | $475.6M |
Helm Bank USA regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Helm Bank USA, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Helm Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32718) · FFIEC NIC profile (RSSD 1414819)