BlastPoint's Banking Scorecard
Helm Bank USA
Community
Specialty: Mortgage
FL
FDIC cert 32718
Miami, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Helm Bank USA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.60% above tier
- + Tier 1 Capital Ratio 18.90% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26% in Community
- - Liquidity Overhang: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+12.6% YoY
-0.4% QoQ
|
-$253.8M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$632.4M
+6.8% YoY
-0.7% QoQ
|
-$343.0M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$1.0B
+12.5% YoY
-0.3% QoQ
|
-$142.7M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.97%
+34.8% YoY
-0.5% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.07%
+1.4% YoY
+1.2% QoQ
|
+0.41% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
70.23%
+1.1% YoY
-0.1% QoQ
|
+7.60% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
1.65%
+3.2% YoY
-2.0% QoQ
|
+1.02% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
61.89%
-5.0% YoY
-0.5% QoQ
|
-21.17% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
39.65%
-8.7% YoY
-7.6% QoQ
|
+18.60% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.92%
-2.1% YoY
-2.3% QoQ
|
+0.42% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
29.14%
-4.0% YoY
-1.8% QoQ
|
+18.90% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.48%
-13.3% YoY
+33.0% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Community
Why this stands out
Current:
39.65%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
29.14%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Credit Risk Growth
risk
#168 of 642 · Bottom 26% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#103 of 268 · Bottom 38% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
29.14%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
61.89%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Tier 1 Capital Ratio
Current: 29.14% · Tier avg: 10.24%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 39.65% · Tier avg: 21.05%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.89% · Tier avg: 83.06%
73
73th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.66%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
44
44th pctile
Total Loans
Current: $632.4M · Tier avg: $975.5M
37
37th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 70.23% · Tier avg: 62.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.63%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.92% · Tier avg: 0.50%
27
27th pctile
Efficiency Ratio
Current: 70.23% · Tier avg: 62.63%
37
37th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $632.4M · Tier avg: $975.5M
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
73
73th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.66%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.89% · Tier avg: 83.06%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 39.65% · Tier avg: 21.05%
99
99th pctile
Tier 1 Capital Ratio
Current: 29.14% · Tier avg: 10.24%