BanksBEAL BANK USA

BEAL BANK USA

LAS VEGAS, NVRegionalEst. Aug. 2, 2004, midnightFDIC #57833RSSD #3284397FDIC
Latest · 2025-12-31

BEAL BANK USA is an 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%. CET1 capital ratio: 53.51%, well above regulatory minimums. NPL ratio: 2.76% · Texas Ratio: 4.01%. Operates 11 domestic branches.

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 Margin2.03%
Yield on Assets4.82%
Cost of Funds3.20%

Asset Quality

NPL Ratio2.76%
Net Charge-Off Ratio0.30%
Texas Ratio4.01%
NPA Ratio0.78%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio53.51%
Tier 1 Capital53.51%
Total Capital Ratio54.35%
Leverage Ratio19.27%
Loan-to-Deposit111.79%

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