Helm Bank USA: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.0% between Q1 2026 and Q2 2026, to $2.9M. Within Florida, Helm Bank USA is 24th of 79 on net interest margin, 3.92% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Helm Bank USA sits 0.21 points higher, at 3.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.00% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.53% | 0.45% | 4.11% | 5.37% | 3.51% |
| Q4 2023 | 4.79% | 0.61% | 4.21% | 5.63% | 3.64% |
| Q1 2024 | 4.81% | 0.82% | 4.04% | 5.85% | 3.44% |
| Q2 2024 | 5.00% | 0.99% | 4.08% | 5.98% | 3.55% |
| Q3 2024 | 5.04% | 1.23% | 3.92% | 6.08% | 3.45% |
| Q4 2024 | 5.06% | 1.28% | 3.90% | 6.03% | 3.38% |
| Q1 2025 | 5.03% | 1.18% | 3.95% | 6.05% | 3.37% |
| Q2 2025 | 5.05% | 1.14% | 4.00% | 6.02% | 3.38% |
| Q3 2025 | 5.04% | 1.19% | 3.96% | 5.99% | 3.54% |
| Q4 2025 | 5.14% | 1.20% | 4.07% | 6.12% | 3.71% |
| Q1 2026 | 4.90% | 1.12% | 3.94% | 6.11% | 3.46% |
| Q2 2026 | 4.88% | 1.10% | 3.92% | 6.00% | 3.50% |
Helm Bank USA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Helm Bank USA, freeSource: Call Report Schedules RI and RC-K, 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)