Side-by-side · Q2 2026 data
Helm Bank USA vs BayFirst National Bank
Metric by metric
| Measure | Helm Bank USA | BayFirst National Bank |
|---|---|---|
| TellerScore | 59 (stronger) | 36 |
| Capital cushion | 62 (stronger) | 36 |
| Loan quality | 45 (stronger) | 29 |
| Earnings | 64 (stronger) | 0 |
| Funding & liquidity | 56 | 71 (stronger) |
| Problem-loan coverage | 82 (stronger) | 75 |
| Peer percentile | 19th | 1st |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 11.18% (stronger) | 8.61% |
| Problem loans | 1.65% (stronger) | 2.13% |
| Net charge-offs | -0.00% (stronger) | 1.98% |
| Return on assets | 1.09% (stronger) | -6.32% |
| Loans ÷ deposits | 61.4% (stronger) | 84.0% |
| Uninsured deposits | 53.6% | 19.5% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
Helm Bank USA has the higher TellerScore (59 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Helm Bank USA leads on 6 and BayFirst National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.