Bank Safety Analysis
Is Helm Bank USA Safe?
Helm Bank USA meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The largest change between Q1 2026 and Q2 2026 was in noncurrent loans to total loans, which rose 0.14 percentage points to 1.74%. Helm Bank USA ranks 7th of 56 Florida banks on CET1 ratio, in the upper half at 29.27% (Q2 2026). Against a median of 13.49% for banks in the $1B-10B asset tier, Helm Bank USA reported 29.27% on CET1 ratio in Q2 2026, 15.78 points higher. From Q3 2023 to Q2 2026, Helm Bank USA's CET1 ratio ranged between 28.55% (Q4 2023) and 30.73% (Q1 2025) and its Texas ratio ranged between 7.26% (Q3 2024) and 12.64% (Q3 2023). Compared with Q2 2025, Helm Bank USA's CET1 ratio from 30.34% to 29.27%, noncurrent loans to total loans from 1.79% to 1.74%, Texas ratio from 10.10% to 10.11%, return on assets from 0.97% to 1.01% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (927 banks) · Industry averages as of Q2 2026.
CET1 of 29.27% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.18% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.74% are elevated; merits closer attention.
Texas Ratio of 10.1% is well below the 100% historical failure threshold.
Efficiency ratio of 68.5% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 29.27% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 10.11% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.74% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 53.65% | Watch at 50%, concern at 70% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 62.38% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 9.64% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 29.27% |
| Q1 2026 | 29.51% |
| Q4 2025 | 29.14% |
| Q3 2025 | 29.69% |
| Q2 2025 | 30.34% |
| Q1 2025 | 30.73% |
| Q4 2024 | 30.35% |
| Q3 2024 | 30.08% |
| Q2 2024 | 29.08% |
| Q1 2024 | 28.95% |
| Q4 2023 | 28.55% |
| Q3 2023 | 29.76% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 10.11% |
| Q1 2026 | 8.76% |
| Q4 2025 | 9.92% |
| Q3 2025 | 10.44% |
| Q2 2025 | 10.10% |
| Q1 2025 | 9.60% |
| Q4 2024 | 11.00% |
| Q3 2024 | 7.26% |
| Q2 2024 | 7.76% |
| Q1 2024 | 7.97% |
| Q4 2023 | 9.56% |
| Q3 2023 | 12.64% |
Helm Bank USA by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 29.27% | 1.74% | 10.11% | 1.01% |
| Mar 31, 2026 | 29.51% | 1.60% | 8.76% | 1.05% |
| Dec 31, 2025 | 29.14% | 1.80% | 9.92% | 0.90% |
| Sep 30, 2025 | 29.69% | 1.89% | 10.44% | 1.01% |
| Jun 30, 2025 | 30.34% | 1.79% | 10.10% | 0.97% |
| Mar 31, 2025 | 30.73% | 1.69% | 9.60% | 0.81% |
| Dec 31, 2024 | 30.35% | 1.83% | 11.00% | 0.57% |
| Sep 30, 2024 | 30.08% | 1.30% | 7.26% | 0.45% |
| Jun 30, 2024 | 29.08% | 1.26% | 7.76% | 0.81% |
| Mar 31, 2024 | 28.95% | 1.32% | 7.97% | 0.89% |
| Dec 31, 2023 | 28.55% | 1.67% | 9.56% | 0.83% |
| Sep 30, 2023 | 29.76% | 1.69% | 12.64% | 1.02% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Helm Bank USA FDIC insured?
Yes. Helm Bank USA is an FDIC-insured commercial bank (FDIC Certificate #32718). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Helm Bank USA well capitalized?
Yes. Helm Bank USA reports a CET1 Ratio of 29.27%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Helm Bank USA's nonperforming loan ratio?
As of the most recent call report, Helm Bank USA's nonperforming loan ratio is 1.74%. Nonperforming loans at 1.74% are elevated; merits closer attention.
What is Helm Bank USA's Texas Ratio?
Helm Bank USA's Texas Ratio is 10.11%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 32718) · FFIEC NIC profile (RSSD 1414819)
Explore: Full Helm Bank USA profile · Other banks in FL · Metric glossary · How the call report works