Beal Bank USA: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 0.78% from 4.01% in the prior period. The bank currently ranks first on the Most Efficient US Banks (Lowest Efficiency Ratio) leaderboard. Headquartered in Las Vegas, NV, Beal Bank USA operates as a regional commercial bank with multi-state coverage. Total assets stand at $11.0B. Returns are notably above industry norms: 14.87% ROA, 63.47% ROE, and 16.37% NIM. A CET1 ratio of 51.76% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. Credit metrics are in line with industry norms, 0.78% NPL ratio. It operates 10 branches, primarily in Nevada.
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%, a Texas ratio of 1.30%, per financial data filed with the FFIEC.
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)
- Offices
- 10 domestic
- Employees (FTE)
- 203
- Domestic deposits
- $1.65B
- Allowance for credit losses
- $53.5M
- Net charge-offs (YTD)
- -$95.7M
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Beal Bank USA terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Beal Bank USA, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Beal Bank USA: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 51.76% | 14.87% | 0.78% | 1.30% | 16.37% |
| Q1 2026 | 52.82% | 2.76% | 4.01% | 5.78% | 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% | 12.17% | 13.96% | 2.53% |
| Q1 2025 | 52.75% | -0.31% | 12.00% | 14.04% | 2.52% |
| Q4 2024 | 71.08% | 6.36% | 13.27% | 11.82% | 1.70% |
| Q3 2024 | 75.62% | -5.75% | 15.54% | 12.80% | -0.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for Beal Bank USA, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in NV, rank 13 of 49 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Beal Bank USA headquartered?
Beal Bank USA is headquartered in Las Vegas, NV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Beal Bank USA founded?
Beal Bank USA was established in 2004, per the FDIC institution directory.
Is Beal Bank USA FDIC-insured?
Yes. Beal Bank USA 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Beal Bank USA's CET1 capital ratio?
Beal Bank USA 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?
Beal Bank USA 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?
Beal Bank USA's Texas Ratio is 1.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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