Helm Bank USA: how it compares with its peers
Against 24 FL banks with half to twice its assets, Helm Bank USA's strongest measure in Q2 2026 is net interest margin (4.15% vs. a 3.54% peer median). Its weakest relative measure is efficiency ratio (68.21% vs. 60.18%).
| Measure | Helm Bank USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.21% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.15% | 3.54% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.21% | 60.18% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $8.7M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.37% | 74.96% | Context |
What it means for lending operations
Its efficiency ratio of 68.21% is above the 60.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First State Bank Key West, FL · $1.18B
- Bank of Central Florida Lakeland, FL · $1.25B
- BayFirst National Bank Saint Petersburg, FL · $1.14B
- Brannen Bank Inverness, FL · $1.03B
- OptimumBank Fort Lauderdale, FL · $1.39B
- Sanibel Captiva Community Bank Sanibel, FL · $976M
Questions about Helm Bank USA
How big is Helm Bank USA?
Helm Bank USA, established in 1989, is headquartered in Miami, FL. It reported $1.19B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Helm Bank USA's return on assets?
1.09% annualized in Q2 2026, against a 1.21% median for 24 FL banks with half to twice its assets, ahead of 42% of them.
What is Helm Bank USA's efficiency ratio?
68.21% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 60.18%, and lower is better.
Is Helm Bank USA growing its loans?
Net loans grew 7.4% over the year to Q2 2026, while deposits grew 9.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are FL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Florida bank ranked.