| Metric | Helm Bank USA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.5% | +4.0 pts |
| Deposit growth (YoY) | +9.7% | +5.1% | +4.7 pts |
| Loan growth (YoY) | +7.4% | +5.9% | +1.5 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 11.8% | 12.2% | -0.4 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $1.07B | $658.9M | $110.1M | $6.3M | 1.09% | 4.15% | 0.92% |
| Q1 2026 | $1.16B | $1.05B | $634.7M | $107.3M | $3.2M | 1.11% | 4.16% | 0.79% |
| Q4 2025 | $1.14B | $1.02B | $632.4M | $106.3M | $10.6M | 0.97% | 4.07% | 0.92% |
| Q3 2025 | $1.14B | $1.02B | $637.1M | $106.8M | $7.9M | 0.98% | 4.02% | 0.94% |
| Q2 2025 | $1.09B | $978.4M | $613.3M | $99.9M | $5.0M | 0.94% | 4.05% | 0.88% |
| Q1 2025 | $1.07B | $958.3M | $595.9M | $95.9M | $2.2M | 0.86% | 4.06% | 0.82% |
| Q4 2024 | $1.01B | $908.5M | $592.2M | $89.3M | $7.5M | 0.72% | 4.01% | 0.94% |
| Q3 2024 | $1.02B | $908.1M | $589.3M | $97.3M | $5.9M | 0.76% | 4.03% | 0.59% |
Loan mix (Q2 2026): real estate $639.3M · commercial $12.4M · consumer $18.1M · securities $410.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Helm Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 59.0% | 76th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Helm Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Helm Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Helm Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Helm Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.