Helm Bank USA: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.77 percentage points lower than in Q1 2026, at 93.35%. Helm Bank USA ranks 45th of 79 Florida banks on return on assets, in the lower half at 1.01% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Helm Bank USA sits 0.26 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.27% |
| Tier 1 risk-based capital ratio | 29.27% |
| Total risk-based capital ratio | 30.53% |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 9.23% |
| Tangible equity to tangible assets | 9.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.74% |
| Non-performing assets ratio | 0.98% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 10.11% |
| Allowance for credit losses to loans | 1.63% |
| Reserve coverage of non-performing loans | 93.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.61% |
| Net interest margin | 3.92% |
| Efficiency ratio | 68.53% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.38% |
| Core deposits to total deposits | 71.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.01% |
| Securities to assets | 34.41% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.76% | 29.76% | 31.02% | 10.61% | 1.02% |
| Q4 2023 | 28.55% | 28.55% | 29.81% | 10.79% | 0.83% |
| Q1 2024 | 28.95% | 28.95% | 30.21% | 10.93% | 0.89% |
| Q2 2024 | 29.08% | 29.08% | 30.35% | 11.33% | 0.81% |
| Q3 2024 | 30.08% | 30.08% | 31.34% | 11.50% | 0.45% |
| Q4 2024 | 30.35% | 30.35% | 31.62% | 11.88% | 0.57% |
| Q1 2025 | 30.73% | 30.73% | 32.00% | 11.70% | 0.81% |
| Q2 2025 | 30.34% | 30.34% | 31.60% | 11.75% | 0.97% |
| Q3 2025 | 29.69% | 29.69% | 30.95% | 11.60% | 1.01% |
| Q4 2025 | 29.14% | 29.14% | 30.41% | 11.12% | 0.90% |
| Q1 2026 | 29.51% | 29.51% | 30.78% | 11.25% | 1.05% |
| Q2 2026 | 29.27% | 29.27% | 30.53% | 11.18% | 1.01% |
Helm Bank USA vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Helm Bank USA, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)