Beal Bank USA
Beal Bank USA reported total assets of $11.0 bn at Q2 2026, down 35.0% on a year earlier, the 147th largest of 497 banks in our US coverage. The CET1 capital ratio at Beal Bank USA was 51.76%, and the uninsured share of Beal Bank USA was 46.56%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Beal Bank USA climbed from 507th to 5th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Beal Bank USA has one of the highest return on assets (ROA) readings among banks of $10 bn to $100 bn: 8.19% at , against a median of 1.25% across 126 banks (FDIC Call Reports).
- The efficiency ratio of Beal Bank USA, 6.02% at , places Beal Bank USA in the bottom tenth of banks of $10 bn to $100 bn (group median 55.14%; FDIC Call Reports).
What sets Beal Bank USA apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower net charge-offs to average loans than Beal Bank USA, at -4.75% in ; the group median is 0.14%.
- Beal Bank USA has one of the highest loan-to-deposit ratio readings among banks of $10 bn to $100 bn: 235.72% at , against a median of 85.69% across 126 banks.
- At 21.89%, the tier 1 leverage ratio of Beal Bank USA sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 10.25%.
How large is Beal Bank USA?
The balance sheet of Beal Bank USA at : assets $11.0 bn, deposits $1.7 bn, net loans $3.9 bn (loans equal to 235.72% of deposits). Securities make up 55.6% of total assets at Beal Bank USA. Since , when Beal Bank USA held $5.0 bn, its assets grew 121.0%. In the year to , deposits at Beal Bank USA fell 71.5% while its total assets fell 35.0%. At , Beal Bank USA employed 203 full-time equivalent staff across 10 offices, about $54.4 mn of assets per employee and $165.0 mn of deposits per office.
How much funding at Beal Bank USA is uninsured?
At Beal Bank USA, uninsured deposits (above the FDIC limit) made up 46.56% of domestic deposits at (-14.66 pp on a year earlier); Beal Bank USA ranks 115th of 500 on this measure. In dollars, Beal Bank USA estimated $768.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.7 bn | -71.5% | 497th of 499 |
| Net loans and leases | $3.9 bn | +10.1% | 266th of 500 |
| Loan-to-deposit ratio | 235.72% | +174.72 pp | 2nd of 500 |
| Tier 1 leverage ratio | 21.89% | +3.28 pp | 5th of 500 |
| Total risk-based capital ratio | 52.89% | -1.33 pp | 6th of 448 |
| Net interest margin | 8.99% | +6.48 pp | 8th of 500 |
| Return on assets (ROA) | 8.19% | +8.01 pp | 1st of 500 |
| Efficiency ratio | 6.02% | -42.61 pp | 1st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Gain of $10.2 mn | Turned from a loss into a gain | |
| Noncurrent loans to total loans | 0.78% | -10.17 pp | 306th of 500 (1 = lowest) |
| Net charge-offs to average loans | -4.75% | -6.00 pp | 1st of 500 (1 = lowest) |
US rank of Beal Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
Beal Bank USA: assets, deposits and loans
- Total assets $11.0bn
- Deposits $1.7bn
- Net loans $3.9bn
Capital and securities
The CET1 ratio of Beal Bank USA stood at 51.76% in , -2.02 pp year on year. Low and high at Beal Bank USA since : 28.08% () to 99.32% (). Equity capital of Beal Bank USA at : $2.6 bn, or 23.9% of total assets. Beal Bank USA also reported a total capital ratio of 52.89% for , and a tier 1 leverage ratio of 21.89%.
The available-for-sale portfolio of Beal Bank USA showed an unrealized gain of $10.2 mn at ; the gain turned from a loss into a gain over the year.
Beal Bank USA: capital ratios
- Total capital 53%
- CET1 52%
- Tier 1 leverage 22%
Beal Bank USA: unrealized securities gains and losses
- Available for sale $10mn
- Held to maturity $0
Profitability and loan quality
For the year to , Beal Bank USA earned a return on equity of 37.98%; return on assets: 8.19%. Net interest margin at Beal Bank USA: 8.99%, +6.48 pp in a year. Beal Bank USA net income: $527.0 mn, up 3,264.1% year on year. The efficiency ratio of Beal Bank USA was 6.02%: about 6 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 0.78% of total loans at Beal Bank USA; net charge-offs: -4.75% of average loans. Gross loans and leases at Beal Bank USA: $3.9 bn, up 10.8% in a year.
Beal Bank USA: profitability
- Return on equity 38%
- Net interest margin 9.0%
- Return on assets 8.2%
Peer group of Beal Bank USA
The peer group of Beal Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Beal Bank USA (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Nevada. Against them, Beal Bank USA shows CET1 ratio 51.76% against a peer median of 13.21%, return on equity 37.98% against a peer median of 10.85% and uninsured deposit share 46.56% against a peer median of 48.84%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Columbia Bank | Federal savings bank | NJ | $12.2 bn | 13.19% | 5.31% | 45.65% | |
| Oriental Bank | State nonmember bank | PR | $12.0 bn | 13.22% | 16.60% | 52.02% | |
| Farmers and Merchants Bank of Long Beach | State member bank | CA | $11.8 bn | 18.25% | 7.10% | 54.45% | |
| Beal Bank USA | State nonmember bank | NV | $11.0 bn | 51.76% | 37.98% | 46.56% | |
| Burke & Herbert Bank & Trust Company | State member bank | VA | $11.0 bn | 13.32% | 8.92% | 35.09% | |
| WEX Bank | State nonmember bank | UT | $10.7 bn | 12.70% | 51.92% | 13.80% | |
| Washington Trust Bank | State nonmember bank | WA | $10.5 bn | 11.91% | 12.78% | 57.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at Beal Bank USA, to : assets -36.9%, deposits -81.9%, equity -23.8%. Staff 104 to 203; offices 11 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $17.5 bn | $16.2 bn | $16.3 bn | $17.0 bn | $16.4 bn | $14.5 bn | $13.0 bn | $11.0 bn |
| Total deposits | $9.1 bn | $8.8 bn | $8.9 bn | $5.8 bn | $5.1 bn | $3.6 bn | $3.7 bn | $1.7 bn |
| Bank equity capital | $3.5 bn | $3.3 bn | $3.1 bn | $3.1 bn | $3.2 bn | $2.8 bn | $2.9 bn | $2.6 bn |
| CET1 ratio | 75.62% | 71.08% | 52.75% | 53.78% | 57.90% | 53.51% | 52.82% | 51.76% |
| Return on equity (ROE) | 27.15% | 28.36% | -1.59% | 0.99% | 1.35% | 3.28% | 12.33% | 37.98% |
| Uninsured share of domestic deposits | 37.93% | 39.27% | 39.72% | 61.22% | 73.04% | 105.31% | 20.59% | 46.56% |
| Full-time equivalent employees | 104 | 105 | 214 | 224 | 206 | 199 | 194 | 203 |
| Number of offices | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 10 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Beal Bank USA
- Total assets at Beal Bank USA changed by +70.2% in the quarter to 2022-03-31, with no FDIC structure event in that quarter.
- Total assets at Beal Bank USA changed by +59.4% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
- Total assets at Beal Bank USA changed by +64.1% in the quarter to 2022-09-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Beal Bank USA?
Beal Bank USA reported $11.0 bn at in its Call Report. That makes Beal Bank USA the 147th largest of 497 banks in our US coverage.
Is Beal Bank USA profitable?
Beal Bank USA reported net income of $527.0 mn for the year to ; annualized return on equity: 37.98%. So yes: Beal Bank USA made a profit over these months.
When is data for Beal Bank USA next updated?
Figures from Beal Bank USA for are due after .
Where can I check the figures for Beal Bank USA?
In the FDIC BankFind Suite record for certificate 57833, and in the Call Reports of Beal Bank USA (RSSD ID 3284397) at the FFIEC Central Data Repository.