Beal Bank USA: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 46.1% lower than in Q1 2026, at $53.3M. Among 7 Nevada banks, Beal Bank USA sits 2nd from the top on CET1 ratio, 51.76% as of Q2 2026. Against a median of 12.96% for banks in the $10B-100B asset tier, Beal Bank USA reported 51.76% on CET1 ratio in Q2 2026, 38.80 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 51.76% |
| Tier 1 risk-based capital ratio | 51.76% |
| Total risk-based capital ratio | 52.89% |
| Tier 1 leverage ratio | 21.89% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $2.59B |
| Tier 1 capital | $2.59B |
| Total risk-based capital | $2.64B |
| Total equity capital | $2.64B |
| Risk-weighted assets | $5.00B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 23.91% |
| Tangible equity to tangible assets | 23.91% |
| Equity capital to average assets | 22.34% |
| Internal capital growth rate | -29.09% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $1.85B |
| Retained earnings | $738.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $53.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 89.95% | 89.95% | 90.25% | 15.29% | $4.39B |
| Q4 2023 | 66.62% | 66.62% | 67.07% | 14.26% | $5.32B |
| Q1 2024 | 99.32% | 99.32% | 99.85% | 21.42% | $4.47B |
| Q2 2024 | 93.82% | 93.82% | 94.38% | 21.82% | $4.25B |
| Q3 2024 | 75.62% | 75.62% | 76.19% | 19.84% | $4.65B |
| Q4 2024 | 71.08% | 71.08% | 71.60% | 19.61% | $4.75B |
| Q1 2025 | 52.75% | 52.75% | 53.19% | 18.77% | $5.77B |
| Q2 2025 | 53.78% | 53.78% | 54.22% | 18.61% | $5.71B |
| Q3 2025 | 57.90% | 57.90% | 58.56% | 18.65% | $5.31B |
| Q4 2025 | 53.51% | 53.51% | 54.35% | 19.27% | $5.09B |
| Q1 2026 | 52.82% | 52.82% | 53.79% | 22.00% | $5.30B |
| Q2 2026 | 51.76% | 51.76% | 52.89% | 21.89% | $5.00B |
Beal Bank USA regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Beal Bank USA, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beal Bank USA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57833) · FFIEC NIC profile (RSSD 3284397)