Side-by-side · Q2 2026 data
Helm Bank USA vs OptimumBank
Metric by metric
| Measure | Helm Bank USA | OptimumBank |
|---|---|---|
| TellerScore | 59 | 76 (stronger) |
| Capital cushion | 62 (stronger) | 55 |
| Loan quality | 45 | 94 (stronger) |
| Earnings | 64 | 98 (stronger) |
| Funding & liquidity | 56 (stronger) | 47 |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 19th | 80th |
| Total assets | $1.2B | $1.4B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 11.18% (stronger) | 10.54% |
| Problem loans | 1.65% | 0.18% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.09% | 1.95% (stronger) |
| Loans ÷ deposits | 61.4% (stronger) | 97.9% |
| Uninsured deposits | 53.6% | 28.7% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | — |
OptimumBank has the higher TellerScore (76 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Helm Bank USA leads on 3 and OptimumBank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.