Beal Bank USA: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 155.84 percentage points higher than in Q1 2026, at 277.07%. Beal Bank USA has the highest loan-to-deposit ratio of the 14 banks headquartered in Nevada, 238.96% as of Q2 2026. Beal Bank USA's loan-to-deposit ratio of 238.96% is well above the 86.83% median for banks in the $10B-100B asset tier, a gap of 152.13 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $226.2M |
| Cash and noninterest-bearing balances to assets | 2.05% |
| Cash and securities | $6.37B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.60B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 59.75% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 238.96% |
| Net loans and leases to deposits | 235.72% |
| Loans and leases to core deposits | 277.07% |
| Core deposits to total deposits | 41.92% |
| Brokered deposits to total deposits | 44.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 21.43% | 8.05% | $0 | $9.98B |
| Q4 2023 | 32.05% | 9.32% | $0 | $9.64B |
| Q1 2024 | 43.50% | 12.38% | $0 | $7.57B |
| Q2 2024 | 27.06% | 10.75% | $0 | $4.03B |
| Q3 2024 | 31.34% | 8.70% | $0 | $4.58B |
| Q4 2024 | 33.48% | 8.80% | $0 | $3.88B |
| Q1 2025 | 40.64% | 8.34% | $0 | $4.06B |
| Q2 2025 | 61.42% | 12.28% | $0 | $7.97B |
| Q3 2025 | 69.66% | 14.95% | $0 | $8.11B |
| Q4 2025 | 111.79% | 20.22% | $0 | $8.12B |
| Q1 2026 | 113.60% | 19.44% | $0 | $6.40B |
| Q2 2026 | 238.96% | 41.92% | $0 | $6.60B |
Beal Bank USA liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Beal Bank USA, freeSource: Call Report Schedules RC and RC-M, 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)