Helm Bank USA: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Helm Bank USA of Miami, FL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.46% | -0.45% | 30th below |
| ROAE | 11.61% | 12.72% | -1.11% | 46th below |
| Net Interest Margin | 3.92% | 3.85% | +0.07% | 64th above |
| Efficiency Ratio | 68.53% | 57.40% | +11.13% | 24th bottom |
| PPNR / Avg Assets | 1.33% | 1.88% | -0.55% | 29th below |
| Yield on Earning Assets | 4.88% | 5.72% | -0.84% | 16th bottom |
| Cost of Funds | 1.10% | 2.02% | -0.92% | 92nd top |
| Net Interest Spread | 2.98% | 3.18% | -0.20% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.74% | 1.00% | +0.74% | 14th bottom |
| NPA / Total Assets | 0.98% | 0.76% | +0.22% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 41st below |
| ACL / Total Loans | 1.63% | 1.31% | +0.32% | 90th top |
| ACL / NPLs (Coverage) | 93.35% | 543.56% | -450.21% | 26th below |
| Texas Ratio | 10.11% | 7.39% | +2.72% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.27% | 17.33% | +11.94% | 97th top |
| Tier 1 Ratio | 29.27% | 17.36% | +11.91% | 97th top |
| Total Capital Ratio | 30.53% | 18.41% | +12.12% | 97th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.18% | 11.44% | -0.26% | 64th above |
| Equity / Assets | 9.23% | 11.34% | -2.11% | 26th below |
| TCE / Tangible Assets | 9.23% | 10.50% | -1.27% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.38% | 86.96% | -24.58% | 92nd top |
| Core Deposit Ratio | 71.42% | 85.56% | -14.14% | 10th bottom |
| Uninsured Deposit Ratio | 53.65% | 33.11% | +20.54% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.51% | 9.68% | -0.17% | 75th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.32% | 8.06% | -0.74% | 61st above |
| Deposit Growth (Y/Y) | 9.73% | 7.87% | +1.86% | 74th above |
See Helm Bank USA's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Helm Bank USA, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Helm Bank USA profile, how to read a UBPR, or how this data updates.