🏦Bank Scorer

HELM BANK USA

MIAMI, FL · Supervised by FDIC

Est. 1989FDIC #32,718RSSD: FDIC-32718
Needs to Improve Down

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

999 Brickell Ave, MIAMI, FL

County

Miami-Dade County

Established

December 8, 1989

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

January 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$635M

Net Income

$3M

ROA

1.11%

ROE

11.94%

Risk-Based Capital

30.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.83%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$978M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202428368.9%8.83%
202328268.09%12.77%
202220260.89%9.90%
202119061.05%10.00%
202017244.19%23.84%
201917868.54%12.36%
201822673.45%12.83%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

13 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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