Side-by-side · Q2 2026 data
Helm Bank USA vs Bank of Central Florida
Metric by metric
| Measure | Helm Bank USA | Bank of Central Florida |
|---|---|---|
| TellerScore | 59 | 69 (stronger) |
| Capital cushion | 62 (stronger) | 37 |
| Loan quality | 45 | 93 (stronger) |
| Earnings | 64 | 73 (stronger) |
| Funding & liquidity | 56 | 70 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 19th | 53rd |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 11.18% (stronger) | 8.75% |
| Problem loans | 1.65% | 0.21% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.09% | 1.32% (stronger) |
| Loans ÷ deposits | 61.4% (stronger) | 73.3% |
| Uninsured deposits | 53.6% | 30.4% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 5.3% |
Bank of Central Florida has the higher TellerScore (69 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Helm Bank USA leads on 3 and Bank of Central Florida on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.