Helm Bank USA is a state-chartered bank headquartered in Miami, Florida, in business for about 37 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.1B in deposits, with 2 offices.
Helm Bank USA has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 897 banks with $1 billion – $10 billion. Among 82 banks headquartered in Florida, it ranks 70th. Problem-loan coverage contributes the most (82/100, 9.1%); loan quality contributes the least (45/100, 1.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (61 → 59), mostly because the capital cushion component weakened by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 64 |
| Q4 2024 | 59 |
| Q1 2025 | 61 |
| Q2 2025 | 61 |
| Q3 2025 | 59 |
| Q4 2025 | 58 |
| Q1 2026 | 61 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.33% |
| Q3 2024 | 11.50% |
| Q4 2024 | 11.88% |
| Q1 2025 | 11.70% |
| Q2 2025 | 11.75% |
| Q3 2025 | 11.60% |
| Q4 2025 | 11.12% |
| Q1 2026 | 11.25% |
| Q2 2026 | 11.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.57% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.65% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.98% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $1.2B | 11.18% | 1.65% | 1.09% | 61.4% |
| Q1 2026 | 61 | $1.2B | 11.25% | 1.42% | 1.11% | 60.6% |
| Q4 2025 | 58 | $1.1B | 11.12% | 1.62% | 0.97% | 61.9% |
| Q3 2025 | 59 | $1.1B | 11.60% | 1.65% | 0.98% | 62.2% |
| Q2 2025 | 61 | $1.1B | 11.75% | 1.53% | 0.94% | 62.7% |
| Q1 2025 | 61 | $1.1B | 11.70% | 1.45% | 0.86% | 62.2% |
| Q4 2024 | 59 | $1.0B | 11.88% | 1.57% | 0.72% | 65.2% |
| Q3 2024 | 64 | $1.0B | 11.50% | 1.01% | 0.76% | 64.9% |
| Q2 2024 | 65 | $1.0B | 11.33% | 0.95% | 0.90% | 60.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Key West, FL | 67 out of 100, Moderate | $1.2B | 10.3% | 0.15% | vs |
| Bank of Central FloridaBank Lakeland, FL | 69 out of 100, Moderate | $1.2B | 8.7% | 0.21% | vs |
| BayFirst National BankBank Saint Petersburg, FL | 36 out of 100, Low | $1.1B | 8.6% | 2.13% | vs |
| Brannen BankBank Inverness, FL | 65 out of 100, Moderate | $1.0B | 6.1% | 0.45% | vs |
| OptimumBankBank Fort Lauderdale, FL | 76 out of 100, Strong | $1.4B | 10.5% | 0.18% | vs |
| Grove Bank & TrustBank Miami, FL | 68 out of 100, Moderate | $1.4B | 10.0% | 0.01% | vs |
Deposit insurance
Is my money safe at Helm Bank USA?
Yes. Helm Bank USA is an FDIC-insured institution (FDIC certificate #32718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 53.6% of deposits ($576.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.18%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.53% (benchmark: 10%).
2 locations
Branches
Helm Bank USA lists 2 offices in 2 cities. Most locations:
- Miami, FL (1)
- Orlando, FL (1)
HMDA 2025
Mortgage lending
In 2025, Helm Bank USA reported 201 home-loan applications under HMDA (LEI 254900OGMHGN3FQRRB74): 163 originated ($101,245,000 total), 13 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Helm Bank USA
- Former names
- Helm Bank
- Type
- State-chartered bank
- FDIC certificate #
- 32718
- RSSD ID
- 1414819
- Primary regulator
- FDIC
- Established
- December 8, 1989
- Headquarters
- 999 Brickell Ave, Miami, FL 33131
- Website
- www.helmbankusa.com
- Employees
- 158
Quick answers
Helm Bank USA: common questions
Is Helm Bank USA FDIC insured?
Yes. Helm Bank USA is an FDIC-insured institution (FDIC certificate #32718). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Helm Bank USA's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Helm Bank USA ever failed?
There is no failure record for FDIC certificate #32718 in the FDIC failed bank list.
How many branches does Helm Bank USA have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Desjardins Bank, National AssociationBank Hallandale, FL | 84 out of 100, Strong | $362.1M | 19.3% | 0.31% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Shaw-Ross Employees Credit UnionCredit union Miami, FL | 81 out of 100, Strong | $6.8M | 14.9% | 0.53% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |