Beal Bank USA: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 125.36 percentage points in Q2 2026, from 113.60% to 238.96%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Beal Bank USA ranks first in Nevada on loan-to-deposit ratio among 14 banks, at 238.96%. Against a median of 86.83% for banks in the $10B-100B asset tier, Beal Bank USA reported 238.96% on loan-to-deposit ratio in Q2 2026, 152.13 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.94B |
| Net loans and leases | $3.89B |
| Loans held for sale | $343K |
| Loans to total assets | 35.70% |
| Loan-to-deposit ratio | 238.96% |
| Net loans to equity capital | 1.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.70% |
| Multifamily (5+ residential) | 0.02% |
| Commercial and industrial | 55.03% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.18% |
| Construction concentration (Tier 1 capital + allowance) | 15.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 38.12% |
| Interest income on loans | $397.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.35B | $10.95B | 39.35% | 57.04% | 0.00% |
| Q4 2023 | $2.79B | $8.69B | 31.07% | 64.45% | 0.00% |
| Q1 2024 | $2.62B | $6.02B | 33.25% | 61.35% | 0.00% |
| Q2 2024 | $2.53B | $9.37B | 34.31% | 59.72% | 0.00% |
| Q3 2024 | $2.85B | $9.10B | 29.72% | 64.52% | 0.00% |
| Q4 2024 | $2.95B | $8.82B | 28.71% | 64.98% | 0.00% |
| Q1 2025 | $3.62B | $8.91B | 25.30% | 66.61% | 0.00% |
| Q2 2025 | $3.56B | $5.79B | 26.94% | 63.49% | 0.00% |
| Q3 2025 | $3.54B | $5.08B | 30.38% | 58.87% | 0.00% |
| Q4 2025 | $3.97B | $3.55B | 26.99% | 62.91% | 0.00% |
| Q1 2026 | $4.17B | $3.67B | 29.94% | 59.75% | 0.00% |
| Q2 2026 | $3.94B | $1.65B | 33.70% | 55.03% | 0.00% |
Beal Bank USA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beal Bank USA, freeSource: Call Report Schedule RC-C, 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)