Beal Bank USA: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Modified loans and leases dropped 100.0% in Q2 2026, from $58.8M to $0. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $0 |
| Modified loans to total loans | 0.00% |
| Non-performing assets excluding restructured loans, to assets | 0.32% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 0.78% |
| Nonaccrual loans to loans | 0.78% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | -9.16% |
| Allowance for credit losses to loans | 1.36% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.55% | 17.11% | 1.60% |
| Q4 2023 | 0.44% | 14.33% | 9.89% |
| Q1 2024 | 0.47% | 15.26% | -0.04% |
| Q2 2024 | 0.15% | 15.71% | -0.07% |
| Q3 2024 | 1.78% | 15.54% | 0.72% |
| Q4 2024 | 0.03% | 13.27% | 0.10% |
| Q1 2025 | 1.21% | 12.00% | -0.02% |
| Q2 2025 | 1.21% | 12.17% | 2.32% |
| Q3 2025 | 0.00% | 2.62% | -0.96% |
| Q4 2025 | 0.00% | 2.76% | -0.03% |
| Q1 2026 | 1.41% | 4.01% | -0.01% |
| Q2 2026 | 0.00% | 0.78% | -9.16% |
Beal Bank USA loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Beal Bank USA, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)