# HELM BANK USA
MIAMI, FL · FDIC certificate 32718 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.19B | |
| Deposits | $1.07B | |
| Loans and leases | $669.8M | |
| Total equity | $110.1M | |
| Loans / deposits | 61.37% (p9 of band) | 87.10% |
| Liquid assets / assets | 43.01% (p92 of band) | |
| Uninsured deposits / deposits | 53.65% (p93 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.18% (p63 of band) | 10.50% |
| Unrealized securities loss / equity | -36.12% (p6 of band) | -7.75% |
| AOCI / equity | -2.30% (p4 of band) | |
| ROA (annualized) | 1.09% (p36 of band) | 1.26% |
| Net interest margin | 4.15% (p76 of band) | 3.70% |
| Efficiency ratio | 68.21% (p76 of band) | |
| Noncurrent loans | 1.65% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p10 of band) | |
| Reserve coverage of noncurrent | 98.98% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 0.42% (p5 of band) | |
| Auto loans | $16.5M (2.47% of loans; DQ 3.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 9.7% | |
| Employees | 158 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | deposits shrinking |  |
| 2013-06 | 4 | expense ratio p90, reserve under noncurrent, assets shrinking |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 3 |  | assets shrinking |
| 2014-09 | 2 |  | deposits shrinking |
| 2014-12 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-03 | 2 |  | assets shrinking |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | expense ratio p90, capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | uninsured deposits >50%, capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | noncurrent p90, reserve under noncurrent | uninsured deposits >50% |
| 2020-09 | 4 | uninsured deposits >50%, capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | expense ratio p90 |  |
| 2021-09 | 4 |  | expense ratio p90 |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | reserve under noncurrent |
| 2022-06 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 |  |
| 2022-09 | 3 |  | noncurrent p90, capital falling, expense ratio p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | noncurrent p90, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2023-09 | 4 |  | uninsured deposits leaving |
| 2023-12 | 4 | uninsured deposits >50% | assets shrinking |
| 2024-03 | 3 | assets shrinking | noncurrent p90, uninsured deposits >50% |
| 2024-06 | 2 |  | assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | uninsured deposits >50% |  |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 3 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [Credicorp’s Peruvian Subsidiary BCP Announces Purchase of Helm Bank USA - Funds Society](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQYU9HRkl3NGVtbXlFNHpvQ1pnMEt1bXRBWXRYS2RxLTRXTmR3WmVQVGg0czBuVEJ4LThQS1BhYmx5dWRiLUc0R0YzUFFQV0ZMSU02T3o1c1JlRXNScDB4a3llc3k4WlRhTzh0YmN6c0F1MnhLZDAxM0RLVzlnaWJCQldKXzRPRUxfcTdvNTdnYmhSZmdPbENxdGoybzVWNW9SNmZ5cjVXbXo1YVFQblRkWE5DaGhrMFR2?oc=5) · Funds Society
- 2026-01-11 [Helm Bank USA to be acquired for $180 million - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPc1ljTGtseVZ6VFJCMkxHTUppb0lLT2JfM1dVSnp1QWk5WGVqT3RNQnloSGpnT2hzU082dlhweGI0R1FNMVk2OWlaVzR4cEthY2I1S0o1V2g4RVUyMzNMYUwyVDVsdm9KSFNCQk9pREVfTkVCQURsSjBpbE5pMVJWa2E3WExndGJlTi1mNHV6QzluNmxPRWpubVp6TW8td3pUZUlpcHJ3cVRFZ3ROcERz?oc=5) · The Business Journals
- 2025-12-29 [Credicorp Ltd. Acquires Helm Bank USA for USD 180 Million to Enhance Cross-Border Financial Services - Quiver Quantitative](https://news.google.com/rss/articles/CBMizgFBVV95cUxQSDdTSklZekRQenN0dlVTT3hWYU1XcXFLX25vaThjZDBWeEpjNUI1M2xCaWMtc0VfYTlLY3R0OGkwWk9WQWhCMzRZVEw2ZUpYeEtmTzBqc0c4SUpzSVVzWk9UZmVDT0FBWEhXeXFOVVJackxlM1BJLTVuTDkxWVhiam85RFhHYnNXUmZYbXNBQ01qSFM5aWNaMExZRENRN1ROVll4WEdTZ2tjUnBEVGt3dVQwY0EtVV9hYmROOGJvNFdZdHFjTENrQ01wb3Q4Zw?oc=5) · Quiver Quantitative
- 2025-12-29 [Credicorp to Buy Florida Bank as Romero Family Transition Nears - Bloomberg.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPQVAtM1pLUXlCYS1vMDc0TUJsbVk5Y2JNY0J2N05xckpJOUt5MG01NlB6eDY1WU5hOWJsOVR0Yk95bTdJaE1ETUdqZ2lhNkhrMDRRdmFrYjk1QS11TTdZYjZ0VEZncWI5Nlo4XzZiRzhxYWZlajJzeWVyNmtiUzFGWkpsVFVPQnlER3llSDJzVnhEdThYRkJSTi1CY19XRzhrUmN2VDZrcm4ycmRSZUsxcWpmU0RabEI2?oc=5) · Bloomberg.com
- 2026-01-02 [Credicorp’s BCP To Acquire Helm Bank USA For $180 Million - Pulse 2.0](https://news.google.com/rss/articles/CBMigAFBVV95cUxOWjFKYU94bjB4blpSNXJGVVRPc3NnRG4yX0ZxT25oM3FQRVBaWTd3T0R5ZHBGLUZUQ19DY1IxbjlYUjJzU3BRZjYwcUhFQXdVRDV6eUZHZXEyRjVCY2NkMjJBNFlUVjV1X0J0ZVVLdkNOMk1nVmItT0lvd1ZSU2xNVtIBhgFBVV95cUxOVGJLNWlSTmlEbC1uZ3U4S2dEZmFLZGlib2ZENkZ6aEM3UnlKRWExRVl4c2ctWkNrY2FiOVZPOWs2RzlscEhLRUFsRC1KdWJQQW83Q3BTNEdSd21yM0M1d0lPZTgxMnE1YkQ4d0dTMFVNVV93TUdsVnlWOGVhZWRWTzM0MF9QUQ?oc=5) · Pulse 2.0
- 2026-01-08 [FDIC downgrades South Florida bank's CRA rating - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQTRuQ0swRXUxb3ZGU0lyNFRUdldKZjBNQ0F5UUI1THJqLXJpZmRtNWVEeTJCalFDcFNpMng5bFViaXZLUEJsV05uaXIwMzFMdktybjZIVzBfeEtsNGJRRzdzMnhINHlSZF9GbnBRdXRZb3ladHJVc3ZPXzlpdTlKMEMta2VtUkV4bFlvNzFybUVSUzBxYUwzN1cwUUZBRi1feloxSnZFcWhMbXdY?oc=5) · The Business Journals
- 2026-01-02 [Credicorp to buy Florida’s Bank Helm for US$180mil - The Star](https://news.google.com/rss/articles/CBMirgFBVV95cUxQNTlTOHZvTEU3M1RsRkJMdnN1RTA4bDRGVEFveTYyak5xN1RpbGRndWRPUDVoWGZvdFBYMjMzQ1ZjY0VKZG9SRXdjVXU1a2ZhSDhOZXFaNGNITjJaQjlHemhfVHRZZlh0RXdOZnN1N3l5bWZSd3BHT3pubnNJUWIyX0NnZjZJUmZSUlIwWFdwVGpiWUtRMHo1bDlrV01CZjVJWkFJY3hjUmRsdGl6VFE?oc=5) · The Star
- 2025-12-30 [Longtime South Florida bank to be acquired for $180 million - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNc0RiM09xc2tRWDFqU3VvanBIVzlUdGw4NXFjdVY0cUxWd0Q4U19pMk1Jb3hKTkN6SVljbEJ5M19LOVdDYnhjSmRwN0I3cG45dHJpUy1qdFFNNVpDZzJ4MmFuQm9xLXNHenZ2ZVZncWFoR1lkdTdJUkFyTzdla0ZBY0lwZldGbWlQcW5md25KbmhXTFo1ZUM4V0FZZXllQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32718 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "32718", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide