Beal Bank USA
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Data as of · sourced from FFIEC call reports. How we update
Beal Bank USA is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 2004 (FDIC certificate 57833), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $11.05B, down 35.0% from Q2 2025, the 2nd largest of 14 banks headquartered in Nevada.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57833
- Headquarters
- Las Vegas, NV
- Established
- 2004
- Total assets, Q2 2026
- $11.05B
- Assets vs Q2 2025
- -35.0%
- Capital ratio
- Not reported
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 122487459
- Holding company
- BEAL FINANCIAL CORPORATION
- Asset rank in state
- 2nd of 14 in Nevada
Beal Bank USA pays more for its money than most banks of its size. Its balance sheet stood at $11.0 billion at June 30, 2026, down 35.0% from a year earlier; it is based in Las Vegas, Nevada. It pays an average of 3.19% on its deposits and borrowings, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 1.92%). On the other hand, it holds common equity equal to 51.76% of its risk-weighted assets, 4.0 times the median of 12.98% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.78% of loans from 10.96%. Its $2.2 billion commercial and industrial book is improving, with 0.03% past due or on nonaccrual, down from 16.23% a year earlier.
As of June 30, 2026, Beal Bank USA reported a CET1 capital ratio of 51.76%, a return on assets of 14.87%, a nonperforming-loan ratio of 0.78% and a Texas ratio of 1.30%. The figures come from its call report filed with the FFIEC.
Beal Bank USA ranks as the 2nd largest of the 14 banks based in Nevada, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 15.2% to $11.05B, loans fell 5.4% and deposits fell 55.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 55.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 32.8%. The FDIC Summary of Deposits lists 10 offices for it, in 10 cities across 9 states; its Las Vegas office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Beal Bank USA meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1970 Village Center Cir, Las Vegas, NV 89134
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 2, 2004
- Former names
- Beal Bank Nevada (2007-2011)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 203
- Domestic deposits
- $1.65B
- Allowance for credit losses
- $53.5M
- Net charge-offs (YTD)
- -$95.7M
- Average total assets
- $11.82B
- Average total loans
- $4.17B
- Average interest-bearing deposits
- $2.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 2, 2004
- FDIC Cert
- 57833
- Fed RSSD
- 3284397
- SEC CIK
- 946482 → filed by BEAL FINANCIAL CORPORATION
- Website
- www.bealbankUSA.com →
- Parent Holding Company
- BEAL FINANCIAL CORPORATION (RSSD 3818804)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Beal Bank USA's total assets ranged from $11.05B (Q2 2026) to $24.70B (Q3 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$11.05B total assets against $16.99B; $8.40B total liabilities against $13.88B.
$3.89B net loans and leases against $3.53B; $1.65B total deposits against $5.79B.
$6.14B securities against $11.54B; $226.2M cash and balances due against $1.04B.
$524.2M total interest income against $225.4M; $70.4M total interest expense against $127.3M.
$453.9M net interest income against $98.0M.
$35.0M total noninterest income against -$16.7M; $19.1M total noninterest expense against $22.5M.
-$89.5M provision for credit losses against $21.0M.
$439.4M net income against $28.4M.
14.87% return on assets against 0.69%; 16.37% net interest margin against 2.53%.
51.76% CET1 capital ratio against 53.78%; 21.89% tier 1 leverage ratio against 18.61%.
Inside the full Beal Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Beal Bank USA rankings
Its closest position to the top of a national ranking is 1 of 3,606, for efficiency ratio; its furthest is 2,544 of 3,640, for Texas Ratio.
Metric pages for Beal Bank USA: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -5.75% (Q3 2024) to 14.87% (Q2 2026) and its net interest margin ran from -0.27% (Q3 2024) to 16.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 51.76% | 14.87% | 0.78% | 1.30% | 16.37% |
| Q1 2026 | 52.82% | 2.76% | 2.60% | 3.78% | 2.83% |
| Q4 2025 | 53.51% | 1.96% | 2.76% | 4.01% | 2.16% |
| Q3 2025 | 57.90% | 0.40% | 2.62% | 3.03% | 1.75% |
| Q2 2025 | 53.78% | 0.69% | 10.96% | 12.58% | 2.53% |
| Q1 2025 | 52.75% | -0.31% | 10.79% | 12.64% | 2.52% |
| Q4 2024 | 71.08% | 6.36% | 13.25% | 11.79% | 1.70% |
| Q3 2024 | 75.62% | -5.75% | 13.76% | 11.34% | -0.27% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Beal Bank USA (main office) | Las Vegas , NV | 89134 | $1.11B |
| Sacramento Branch | Sacramento , CA | 95825 | $149.1M |
| Boca Raton Branch | Boca Raton , FL | 33431 | $120.4M |
| Scottsdale Branch | Scottsdale , AZ | 85253 | $79.8M |
| Denver Branch | Denver , CO | 80206 | $68.7M |
| Bellevue Branch | Bellevue , WA | 98004 | $55.3M |
| King of Prussia Branch | King Of Prussia , PA | 19406 | $22.6M |
| Tampa Branch | Tampa , FL | 33607 | $15.2M |
| Atlanta Branch | Atlanta , GA | 30346 | $15.1M |
| Wilmette Branch | Wilmette , IL | 60091 | $11.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.0% of deposits in NV, rank 13 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $3.8M approved, $962K average. 25.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 10 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Beal Bank USA
What are Beal Bank USA's total assets?
As of the Q2 2026 filing, Beal Bank USA reported total assets of $11.05 billion in its FFIEC call report.
Where is Beal Bank USA headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Beal Bank USA founded?
It was established in 2004, per the FDIC institution directory.
Is Beal Bank USA FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beal Bank USA?
Beal Bank USA's primary federal regulator is the FDIC.
What is Beal Bank USA's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 51.76% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Beal Bank USA operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beal Bank USA's Texas Ratio?
Its Texas Ratio is 1.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Beal Bank USA previously called?
The charter now named Beal Bank USA has also operated as Beal Bank Nevada (2007-2011), per FDIC structure-change records.
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