$13B
−20.0%y/y
Peer standing14th percentile
FDIC
ASSETBB
Beal Bank USA
Las Vegas, NevadaFDIC Cert #57833
STATEEstablished 200411 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBeal Bank USA reported $13B in total assets. Deposits declined 58.82% over the prior year.
Return on assets was 2.55%, compared with an asset-peer median of 1.19%. The leverage ratio was 22.00%.
- Why is tier 1 leverage ratio above asset peers?
- Why is efficiency ratio below asset peers?
- Why is deposit growth, year over year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.67B
−58.8%y/y
Peer standing0th percentile
FDIC
DEP$4.12B
+14.5%y/y
Peer standing3rd percentile
FDIC
LNLSNET2.55%
+286 bpsy/y
Peer standing97th percentile
FDIC
NETINC + ROA13.42%
−18,383 bpsy/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR22.00%
+323 bpsy/y
Peer standing99th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $5.71B | $2.81B |
| Q3 2021 | $5.75B | $2.87B |
| Q4 2021 | $5.39B | $2.49B |
| Q1 2022 | $9.17B | $3.43B |
| Q2 2022 | $14.6B | $6.53B |
| Q3 2022 | $24B | $12.1B |
| Q4 2022 | $26B | $18.9B |
| Q1 2023 | $32B | $19.2B |
| Q2 2023 | $26.1B | $12.9B |
| Q3 2023 | $24.7B | $11B |
| Q4 2023 | $22B | $8.69B |
| Q1 2024 | $18B | $6.02B |
| Q2 2024 | $17.5B | $9.37B |
| Q3 2024 | $17.5B | $9.1B |
| Q4 2024 | $16.2B | $8.82B |
| Q1 2025 | $16.3B | $8.91B |
| Q2 2025 | $17B | $5.79B |
| Q3 2025 | $16.4B | $5.08B |
| Q4 2025 | $14.5B | $3.55B |
| Q1 2026 | $13B | $3.67B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $35.7M |
| Investor CRE | $1.21B |
| Multifamily | $678K |
| Construction | $384M |
| 1–4 family | $45.9M |
| C&I | $2.49B |
| Agriculture | $0 |
| Other | $7K |
Peer comparison
How this bank compares
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA2.55%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE12.33%66th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY2.63%19th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR13.42%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP−58.82%0th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+14.51%72nd percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%3rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ22.00%99th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.92%1st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT23,109%72nd percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 229%Median 2,164%90th 4,465%Observations 152
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
WorsePeer medianBetter
ROA
FDIC
NETINC + ROA2.55%81st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.26%Median 1.20%90th 14.01%Observations 17
ROE
FDIC
NETINC + ROE12.33%63rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.76%Median 10.85%90th 31.00%Observations 17
NIM
FDIC
NIM + NIMY2.63%19th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.04%Median 3.97%90th 5.64%Observations 17
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR13.42%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 27.96%Median 59.76%90th 88.00%Observations 17
Deposits YoY
FDIC
DEP−58.82%0th percentileToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −11.48%Median +7.94%90th +29.38%Observations 15
Loans YoY
FDIC
LNLSNET+14.51%50th percentileToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.42%Median +14.51%90th +42.88%Observations 15
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%14th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.71%90th 3.21%Observations 15
Leverage
FDIC
RBC1AAJ22.00%69th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.98%Median 14.40%90th 42.40%Observations 17
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.92%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.53%90th 3.98%Observations 15
CRE/capital
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + RBCT23,109%83rd percentileToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 1,280%90th 3,301%Observations 7
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Rows are oriented using each metric's registry polarity.
Branches & markets
Physical footprint
11 domestic branches reported in the latest Call Report.
FDIC
OFFDOM Credit quality
Asset quality trends
Five-year past-due, nonaccrual, and charge-off trends will provide a clear view of asset quality through changing credit cycles.
History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data