BEAL BANK USA

LAS VEGAS, NV | Regional | Est. Aug. 2, 2004, midnight | FDIC #57833 | RSSD #3284397 | FDIC
Latest Report: 2025-12-31

BEAL BANK USA is arn regional FDIC-insured commercial bank headquartered in LAS VEGAS, NV, established in Aug. 2, 2004, midnight. As of 2025-12-31, the bank reported total assets of $14.5B and total deposits of $3.6B. Profitability stands at 1.79% ROA and 9.35% ROE, with a net interest margin of 2.03%. The bank's CET1 capital ratio is 53.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.76% and a Texas Ratio of 4.01%. FDIC Certificate #57833.

Assets

$14.5B

Deposits

$3.6B

Loans

$4.0B

Equity

$2.8B

Profitability

Return on Assets (ROA) 1.79%
Return on Equity (ROE) 9.35%
Net Interest Margin (NIM) 2.03%
Yield on Assets 4.82%
Cost of Funds 3.41%

Asset Quality

NPL Ratio 2.76%
Net Charge-Off Ratio 0.30%
Texas Ratio 4.01%
NPA Ratio 0.78%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 53.51%
Tier 1 Capital 53.51%
Total Capital Ratio 54.35%
Leverage Ratio 19.27%
Loan-to-Deposit 111.79%

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