Is Helm Bank USA Safe?
Helm Bank USA has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (68/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 29.08% | 100/100 |
| Nonperforming Loan Ratio | 0.95% | 81/100 |
| Liquidity Ratio | 42.92% | 100/100 |
| Return on Assets | 1.20% | 68/100 |
| Total Assets | $1.0B | |
How does Helm Bank USA compare?
With a Bank Health Score of 91/100, Helm Bank USA sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Florida, where 83 FDIC-insured banks are headquartered, Helm Bank USA ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 29.08% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.95% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Helm Bank USA's Bank Health Score improved by 1.0 points to 91/100. Tier 1 capital weakened by 0.68 percentage points to 29.08%.
Helm Bank USA has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (68/100).