Helm Bank USA

999 Brickell Avenue
Miami, FL 33131

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32718
Date Established 1989
Assets $0.80 billion
Loans $0.52 billion
Deposits $0.68 billion
Capital $0.09 billion

Helm Bank USA is an FDIC insured institution located in Miami, FL. It was founded in 1989 and has approximately $0.8 billion in assets.

For a more detailed analysis of Helm Bank USA's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Helm Bank USA’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial and Industrial Loans.

Compared to other banks in Florida, Helm Bank USA has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 95.96
Multifamily
Mortgages
1.01
Credit Card Loans 0.37
Consumer Auto Loans 2.00
Small Business Loans 0.83
Construction and Development Loans 0.10
Commercial Real Estate 0.97
Commercial and Industrial Loans 1.60
Farm Loans 0.00

Deposit Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.13% $25,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.45% $10,000 - Learn MoreShow Less
6 Mo CD
0.75% $10,000 - Learn MoreShow Less
12 Mo CD
1.00% $10,000 - Learn MoreShow Less
18 Mo CD
1.15% $10,000 - Learn MoreShow Less
24 Mo CD
1.25% $10,000 - Learn MoreShow Less
30 Mo CD
1.50% $10,000 - Learn MoreShow Less
36 Mo CD
1.75% $10,000 - Learn MoreShow Less
48 Mo CD
2.00% $10,000 - Learn MoreShow Less
60 Mo CD
2.50% $10,000 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.13% $25,000 - Learn MoreShow Less

Loan Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Helm Bank USA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.144% 4.125% 0.25 $558 $1,212 Learn More
PenFed Credit Union
NMLS ID: 401822
4.502% 4.375% 0.50 $3,750 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info

Note to Helm Bank USA
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Helm Bank USA branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Helm Bank USA Locations


Financial Details

Helm Bank USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Helm Bank USA. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Helm Bank USA U.S. Bank Average
9.15% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Helm Bank USA had $8,603,000 in non-current loans and $254,000 in owned real estate. To cover these potential losses it had $86,408,000 in equity and $10,372,000 in loans loss reserves. That gives it a Texas Ratio of 9.15%.

Return on Equity
Helm Bank USA U.S. Bank Average
6.81% 9.95%

Helm Bank USA has a Return on Equity of 6.81% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Helm Bank USA U.S. Bank Average
10.78% 12.19%

Helm Bank USA has a Capitalization of 10.78% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Helm Bank USA Balance Sheet Analysis

As of September 30, 2018, Helm Bank USA had assets of $801,521,000, loans of $518,256,000, and deposits of $680,535,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.03 billion
Total securities $0.23 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.52 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.72 billion
LIABILITIES
Total deposits $0.68 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.68 billion
      % insured (estimated) 55.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.72 billion
      Shareholders’ Equity $0.09 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Helm Bank Usa

Branches and Savings

Is Helm Bank Usa FDIC insured?

Yes. It is covered under FDIC Certificate #32718.

Why does Helm Bank Usa pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Helm Bank Usa CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Helm Bank Usa a commercial bank?

Yes

Where are Helm Bank Usa locations?

See branch locations nearby.

Is Helm Bank Usa open on Saturdays?

Is Helm Bank Usa open on Sundays?

What time does Helm Bank Usa open?

What time does Helm Bank Usa close?

Are Helm Bank Usa ATMs Open 24/7?

Do Helm Bank Usa ATMs accept cash deposits?

Can Helm Bank Usa customers use other ATMs?

Do Helm Bank Usa branches have notaries?

Will Helm Bank Usa notarize my document?

What address for Helm Bank Usa should I put for incoming ACH transfers?

Will the Helm Bank Usa branch print checks?

Do Helm Bank Usa checks expire?

Does Helm Bank Usa require US citizenship to open account?

Can Helm Bank Usa close my account?

Does Helm Bank Usa Report to credit bureaus?

Does Helm Bank Usa Use Equifax?

What is Helm Bank Usa's ACH Routing Number?

What is Helm Bank Usa's SWIFT code?

Products

Does Helm Bank Usa offer mortgages?

Compare mortgage rates here.

Does Helm Bank Usa offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Helm Bank Usa offer personal loans?

Compare personal loan rates here.

Does Helm Bank Usa offer student loans?

Will Helm Bank Usa cash a check?

Will Helm Bank Usa redeem a savings bond?

Does Helm Bank Usa cash savings bonds?

Will Helm Bank Usa cash money orders?

Can Helm Bank Usa issue a money order?

Does Helm Bank Usa do currency exchange?

Background on The Bank

Who owns Helm Bank Usa?

How long has Helm Bank Usa been around?

Can Helm Bank Usa transfer to other banks?

Does Helm Bank Usa have quick pay?

Does Helm Bank Usa accept rolled coins?

Will Helm Bank Usa accept loose change?

Where is Helm Bank Usa headquarters?

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*All images, logos and public notes on this page appear courtesy of Helm Bank Usa and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.