Beal Bank USA
Las Vegas, NV·RSSD 3284397·FDIC 57833·bank:3284397·Risk-based ratios where reported
- #2 of 16Total assets in Nevada
- Top 4%Total assets in the U.S.
- 10offices
- 203employees
- Top 1%Efficiency vs. peers
- Top 1%Return on assets vs. peers
- #2 of 3,709Margin improvement in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Beal Bank USA
11 of 24 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Borrowed funding rising while the peer median fallsWorth a look: Funding 2nd quarter59.8%peers 2.4%+57.4 pp
Beal Bank USA's borrowings as a share of assets rose 12.9 percentage points over the past year to 59.8%. Among 111 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 59.8% | 2.4% | +57.4 pp |
| 12-month change | ||
| +12.9 pp | 0.0 pp | +12.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile. How signals work
Problem loans falling while the peer median risesStrength: Asset quality 2nd quarter0.78%peers 0.66%+12 bps
Beal Bank USA's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 1017 bps over the past year to 0.78%. Among 109 similar banks, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.78% | 0.66% | +12 bps |
| 12-month change | ||
| -1017 bps | +1 bps | -1018 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter14.64%peers 1.33%+1332 bps
Beal Bank USA's annualized return on assets rose 1396 bps over the past year to 14.64%. Among 107 similar banks, the median rose 7 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 14.64% | 1.33% | +1332 bps |
| 12-month change | ||
| +1396 bps | +7 bps | +1388 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter21.89%peers 10.33%+11.6 pp
Beal Bank USA's leverage ratio rose 3.3 percentage points over the past year to 21.89%. Among 111 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 21.89% | 10.33% | +11.6 pp |
| 12-month change | ||
| +3.3 pp | 0.0 pp | +3.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity239.0%+177.5 pp in 12 months
Beal Bank USA's loans rose to 239.0% of deposits, 177.5 percentage points higher than a year earlier, while cash fell to 2.0% of assets. The median change in the loan-to-deposit ratio among 110 similar banks was +0.4 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 239.0% | +177.5 pp in 12 months |
| Cash / assets | |
| 2.0% | -4.1 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile. How signals work
6 more observations
- Net charge-offs falling while the peer median holds steadyAsset quality
- Deposit costs falling faster than peersFunding
- Deposits shrinking while the peer median growsFunding
- Net interest margin widening faster than peersEarnings
- Efficiency ratio falling faster than peersEfficiency
- Reliance on CDs falling faster than peersFunding
Key facts
- Beal Bank USA is a bank headquartered in Las Vegas, Nevada. It reported $11.0 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.7 billion, down 71.5% from a year earlier, and loans totaled $3.9 billion, up 10.8%.
- Its net interest margin was 16.31% and its annualized return on assets was 14.64% for the quarter.
- Its cost of all deposits was 3.12%, compared with a median of 1.86% among 106 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Beal Bank USA's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Beal Bank USA · Bank
- Federal Reserve RSSD
- 3284397
- FDIC certificate
- 57833
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Beal Bank USA itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $439.36M | — | |
| $524.24M | — | |
| $70.37M | — | |
| $453.87M | — | |
| $35.01M | — | |
| $19.06M | — | |
| -$91.13M | — | |
| -$89.51M | — | |
| 14.64% | 14.60%ROAQ · Quarter | |
| 16.31% | 16.27%NIMYQ · Quarter | |
| 3.90% | 3.90%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.