Helm Bank USA: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.15 percentage points in Q2 2026, from 86.19% to 87.34%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Helm Bank USA is 62nd of 81 on loan-to-deposit ratio, 62.38% as of Q2 2026, below the middle of the field. Helm Bank USA reported 62.38% on loan-to-deposit ratio for Q2 2026, 25.82 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $102.6M |
| Cash and noninterest-bearing balances to assets | 8.60% |
| Cash and securities | $513.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.38% |
| Net loans and leases to deposits | 61.37% |
| Loans and leases to core deposits | 87.34% |
| Core deposits to total deposits | 71.42% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 53.66% | 87.52% | $0 | $0 |
| Q4 2023 | 55.78% | 86.22% | $0 | $0 |
| Q1 2024 | 58.50% | 83.62% | $0 | $0 |
| Q2 2024 | 61.67% | 77.55% | $10.0M | $0 |
| Q3 2024 | 66.03% | 75.48% | $0 | $0 |
| Q4 2024 | 66.37% | 73.73% | $0 | $0 |
| Q1 2025 | 63.31% | 74.79% | $0 | $0 |
| Q2 2025 | 63.79% | 74.11% | $0 | $0 |
| Q3 2025 | 63.27% | 72.17% | $0 | $0 |
| Q4 2025 | 62.96% | 71.07% | $0 | $0 |
| Q1 2026 | 61.66% | 71.54% | $0 | $0 |
| Q2 2026 | 62.38% | 71.42% | $0 | $0 |
Helm Bank USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Helm Bank USA, freeSource: Call Report Schedules RC and RC-M, 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)