Helm Bank USA: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.64 percentage points higher than in Q1 2026, at 9.64%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $669.8M |
| Net loans and leases | $658.9M |
| Loans held for sale | $0 |
| Loans to total assets | 56.15% |
| Loan-to-deposit ratio | 62.38% |
| Net loans to equity capital | 5.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.57% |
| Multifamily (5+ residential) | 0.75% |
| Commercial and industrial | 1.86% |
| Consumer | 2.70% |
| Credit cards | 0.23% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.64% |
| Construction concentration (Tier 1 capital + allowance) | 0.30% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.00% |
| Interest income on loans | $9.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $513.2M | $956.4M | 0.62% | 0.39% | 2.12% |
| Q4 2023 | $536.8M | $962.4M | 0.65% | 0.44% | 2.08% |
| Q1 2024 | $556.9M | $952.0M | 0.62% | 0.44% | 2.09% |
| Q2 2024 | $573.4M | $929.7M | 0.57% | 0.52% | 2.06% |
| Q3 2024 | $599.6M | $908.1M | 0.50% | 0.80% | 2.07% |
| Q4 2024 | $603.0M | $908.5M | 0.49% | 0.89% | 2.17% |
| Q1 2025 | $606.7M | $958.3M | 0.56% | 0.86% | 2.37% |
| Q2 2025 | $624.1M | $978.4M | 1.19% | 0.85% | 2.41% |
| Q3 2025 | $648.2M | $1.02B | 1.19% | 1.22% | 2.50% |
| Q4 2025 | $643.3M | $1.02B | 1.19% | 1.22% | 2.75% |
| Q1 2026 | $645.7M | $1.05B | 1.24% | 1.44% | 2.81% |
| Q2 2026 | $669.8M | $1.07B | 1.57% | 1.86% | 2.70% |
Helm Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Helm Bank USA, freeSource: Call Report Schedule RC-C, 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)