Helm Bank USA

Headquarters: Miami, Florida
Charter: Bank
Assets: $1.2B
Fed district: Atlanta
Regulator: FDIC

Explore Hamilton View published fees

Compared with Florida

9 of 10

compared fees are above the median.

0 below, 1 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
47th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Florida median
of 10 compared; 0 below, 1 about the same
See the fees
Fee schedule read Oct 3, 2026

How these figures are measured

Call-report figures are for Helm Bank USA at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Florida median	Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Helm Bank USA's published fee schedule; Bank Fee Index medians	Current schedule	Oct 3, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Helm Bank USA (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 2.0% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (47th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $268K in Q2 2026, 3.9% above the same quarter a year earlier ($258K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 10 compared published fees sit above the Florida median; 0 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Florida medians for fees published by banks and credit unions.

NSF / Returned Item
Helm Bank USA: $40
Helm Bank USA: $40
Florida median: $3081 publishAtlanta district median: $30336 publishU.S. median: $302,857 publish
Stop Payment
Helm Bank USA: $40
Helm Bank USA: $40
Florida median: $3092 publishAtlanta district median: $30381 publishU.S. median: $27.503,348 publish
Cashier's Check
Helm Bank USA: $20
Helm Bank USA: $20
Florida median: $582 publishAtlanta district median: $5314 publishU.S. median: $52,586 publish

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 5.1% from Q3 2025 to Q2 2026, to $268K. Its share of revenue, 2.0%, is below the 2.2% median for banks with $1B to $10B in assets.

Service-charge income, Q2 2026

$268K

$255KQ3 2025

$257KQ4 2025

$267KQ1 2026

$268KQ2 2026

Against the median

Share of revenue2.0% / 2.2%

Helm Bank USAMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Helm Bank USA · $1.2B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Banks only
$1.2B in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Helm Bank USA(this institution)	Miami, FL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Pontiac	Pontiac, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Citizens Bank	Mukwonago, WI	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank & Trust	Guntersville, AL	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Bank of Las Cruces	Las Cruces, NM	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens State Bank	Somerville, TX	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Community National Bank	Derby, VT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dime Bank	Norwich, CT	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evolve Bank & Trust	West Memphis, AR	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FIDELITY BANK	New Orleans, LA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bankers Trust Company, National Association	Quincy, IL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First General Bank	Rowland Heights, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First National Bank and Trust Company of Newtown	Newtown, PA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Katahdin Trust Company	Patten, ME	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid America Bank	Jefferson City, MO	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Montgomery Bank	Sikeston, MO	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
MutualOne Bank	Framingham, MA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
PeoplesSouth Bank	Colquitt, GA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pilot Grove Savings Bank	Pilot Grove, IA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pointbank	Pilot Point, TX	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Provident Savings Bank, F.S.B.	Riverside, CA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Reading Co-operative Bank	Reading, MA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Solvay Bank	Solvay, NY	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Somerset Regal Bank	Bound Brook, NJ	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Southwest Missouri Bank	Carthage, MO	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Hutchinson	Hutchinson, KS	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Helm Bank USA does not publish a monthly maintenance fee in the index.

The peer median is $7.95 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026.

Monthly maintenance fee in dollars, one mark per institution

Helm Bank USA does not publish a monthly maintenance fee, so it is not on this chart.

Helm Bank USAPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 23, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Helm Bank USA (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $268K
vs prior quarter: +$1K+0.4%; from Q1 2026
vs a year earlier: +$10K+3.9%; from Q2 2025
vs start of range: +$4K+1.5%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Helm Bank USA (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$268K	+$1K	+0.4%
Q1 2026	$267K	+$10K	+3.9%
Q4 2025	$257K	+$2K	+0.8%
Q3 2025	$255K	−$3K	−1.2%
Q2 2025	$258K	−$19K	−6.9%
Q1 2025	$277K	+$11K	+4.1%
Q4 2024	$266K	+$2K	+0.8%
Q3 2024	$264K	+$6K	+2.3%

Service-charge share against its size cohort

Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Helm Bank USA left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Helm Bank USA: 2.0%
Percentile: 47th
25th percentile: 1.3%
Median: 2.2%
75th percentile: 3.5%

Helm Bank USA 2.0%Median 2.2%Middle half 1.3% to 3.5%Peers at each share12 above 10%, counted in the last bar

Find a peer (869)

The 15 closest to Helm Bank USA by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Helm Bank USA’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant Account Fees$25
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Return Mail Fee$15
Above the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

Insufficient Funds / NSF$40
Above the U.S. middle 50% ($25 to $32 nationally)
per item

Check Services

Cashiers Check$20
Above the U.S. middle 50% ($3 to $6 nationally)
per item
Checkbook Orders Fees vary Certificate of Deposit Assignment$50
Not compared: CD/IRA fee
per item
Stop Payment$40
Above the U.S. middle 50% ($20 to $30 nationally)
per item
Deposit Item - Check Copy$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fees	$25Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Return Mail Fee	$15Above the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Insufficient Funds / NSF	$40Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Check Services
Cashiers Check	$20Above the U.S. middle 50% ($3 to $6 nationally)	per item	None
Checkbook Orders Fees vary Certificate of Deposit Assignment	$50Not compared: CD/IRA fee	per item	None
Stop Payment	$40Above the U.S. middle 50% ($20 to $30 nationally)	per item	None
Deposit Item - Check Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Bill Payment Service	$20Not compared: Per-item charge, not monthly	per item	None
Bill Payment Service (iPay)	$5Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Deposited Item Return	$20Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 x 10	$150Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3 x 10	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3 x 5	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5 x 10	$125Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Other Fees
Courier Fees - Domestic	$40Inside the U.S. middle 50% ($20 to $40 nationally)	Not stated	None
Courier Fees - International (audience not stated, treated as personal)	$50Above the U.S. middle 50% ($20 to $40 nationally)	Not stated	None
Statement Copy	$20Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 18 fees.

Correct a fee source

Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Helm Bank USA operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state, $1.1B in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

	1	$1.1B
	1	$2.7M

Miami-Fort Lauderdale-West Palm Beach, FL

0.3% of bank deposits, #41 of 86, unchanged over five years.

Largest competitors here	Deposit share
Bank of America, National Association	15.7%
JPMorgan Chase Bank, National Association	12.5%
Wells Fargo Bank, National Association	10.7%
Citibank, National Association	6.4%
Truist Bank	6.2%

Fees in Miami →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Miami-Fort Lauderdale-West Palm Beach, FL, Helm Bank USA holds 0.3% of bank deposits, #41 of 86, with 1 office.

Compare fees with the 88 Miami-Fort Lauderdale-West Palm Beach, FL banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 25 institutions shown.

Helm Bank USAOther banksCredit unions

Showing 900 of 1,495 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 18 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of America, National Association15.7%
2JPMorgan Chase Bank, National Association12.5%
3Wells Fargo Bank, National Association10.7%
4Citibank, National Association6.4%
5Truist Bank6.2%
6City National Bank of Florida6.1%
7BankUnited, National Association5.6%
8TD Bank, National Association3.1%
41Helm Bank USA0.3%

9 of 86 institutions shown. $348.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro (FDIC metro code 33100)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.3% share, 1 office, #41 of 86

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Miami-Fort Lauderdale-West Palm Beach, FL metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

173 offices of 39 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Helm Bank USA

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Helm Bank USA does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Helm Bank USA changes in our data

Helm Bank USA

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Helm Bank USA does not publish a monthly maintenance fee in the index.

Financial performance

Service-charge share against its size cohort

Published fee schedule

Branches and public record

Market position

Get an email when a fee at Helm Bank USA changes in our data