2.55%
+911.7%y/y
Peer standing97th percentile
FDIC
NETINC + ROABB
Beal Bank USA
Las Vegas, NevadaFDIC Cert #57833
STATEEstablished 200411 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
12.33%
+877.6%y/y
Peer standing66th percentile
FDIC
NETINC + ROE3.26%
+1,262.1%y/y
Peer standing97th percentile
FDIC
PTAXNETINC + ASSET2.63%
+5.2%y/y
Peer standing19th percentile
FDIC
NIM + NIMY5.14%
−10.4%y/y
Peer standing43rd percentile
FDIC
INTINCY8.92%
+62.0%y/y
Peer standing1st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
13.42%
−93.2%y/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR0.55%
−2.2%y/y
Peer standing97th percentile
FDIC
NONIX + ASSET39.46%
+105.5%y/y
Percentile by value91st percentileby value
FDIC
NONII + NIM−20.02%
−107.1%y/y
Percentile by value0th percentileby value
FDIC
ASSET−58.82%
−222.2%y/y
Percentile by value0th percentileby value
FDIC
DEP+14.51%
−62.5%y/y
Percentile by value72nd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
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 percentileby valueToggle 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 percentileby valueToggle 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
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
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
LNRENROT + LNREMULT + LNRECONS + RBC3,109%72nd percentileby valueToggle 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
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
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 percentileby valueToggle 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 percentileby valueToggle 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
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
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
LNRENROT + LNREMULT + LNRECONS + RBC3,109%83rd percentileby valueToggle 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
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.