Helm Bank USA
Miami, Florida, Miami-Dade County
$1.2B in total assets, the 918th largest of 4,309 US banks and 29th of 84 headquartered in Florida.
- FDIC certificate
- 32718
- Established
- 1989
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.helmbankusa.com
At a glance
Compared with 24 banks headquartered in Florida with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 12% | $2.4B | |
| Loans | $670M | 4% | $1.6B | |
| Deposits | $1.1B | 12% | $2.1B | |
| Return on assets | 1.05% | 29% | 1.24% | |
| Net interest margin | 4.15% | 79% | 3.53% | |
| Efficiency ratio | 68.2% | 79% | 57.2% | |
| Equity to assets | 9.23% | 38% | 9.70% | |
| Loans to deposits | 62% | 12% | 77% |
Growth
Total assets grew 3.1% a year over the last 5 years and 4.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 1990 | Brickellbanc Savings Association Miami, FL | $34M |
| Dec 1989 | Orange State Bank Miami, FL | $8M |
Where they operate
2 branches in 2 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Miami-dade County, FL | $1.1B | 0.5% | 30 of 58 |
| Orange County, FL | $3M | 0.0% | 38 of 40 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (1 to 2, +100.0%). 1 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2025 | Opened Orlando | 1 | 0 | +1 | 2 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 93% | 25% | |
| Consumer | 3% | 4% | |
| Business (C&I) | 2% | 17% | |
| Commercial real estate | 2% | 38% | |
| Multifamily | 1% | 5% | |
| Construction and land | 0% | 6% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 42% | 24% | |
| Time deposits | 34% | 21% | |
| Other interest-bearing | 24% | 55% |
Brokered deposits are 0.0% of deposits (peers 5.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.65% | 0.29% |
| Net charge-offs, annualized | -0.00% | 0.04% |
| Reserves to loans | 1.63% | 1.16% |
| Leverage ratio | 11.18% | 9.97% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Miami-dade County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/helm-usa