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Helm Bank Usa
Miami, FL · FDIC Certificate #32718 · Chartered 12/0
Total assets
$1.19B
Total deposits
$1.07B
Total equity
$110.10M
Net loans
$658.86M
Branches (offices)
2
Net income (YTD)
$6.34M
Rank: #898 of 4,213 U.S. banks by assets · #28 of 81 in Florida. Assets changed 9.5% and deposits 9.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.09% |
| Return on equity | 11.76% |
| Net interest margin (YTD) | 4.15% |
| Equity to assets | 9.23% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 53.6% |
| Noncurrent loans (share of loans) | 1.65% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 61.4% |
| Real estate loans (share of loans) | 97.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $639.25M | 97.0% | |
| Commercial & industrial | $12.43M | 1.9% | |
| Consumer / individual | $18.09M | 2.7% | |
| Construction & development | $457.00K | 0.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.18B | $1.10B | $2.71M | $74.31M |
| Jun 2023 | $1.07B | $988.48M | $6.18M | $74.20M |
| Jun 2024 | $1.03B | $929.69M | $4.72M | $83.53M |
| Jun 2025 | $1.09B | $978.41M | $4.96M | $99.87M |
| Jun 2026 | $1.19B | $1.07B | $6.34M | $110.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $1.07B | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Middletown Valley Bank ($1.19B) · Somerset Regal Bank ($1.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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