PackageTrendsPeer
Letter portraitLegal landscape

Beal Bank USA

Las Vegas, NV · Cert 57833

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

98

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beal Bank USA

Las Vegas, NV · Cert 57833

State charter, non-member · FDIC · 10 branches

Q2 2026

$11.0BAssets
$3.9BLoans
$1.7BDeposits
$2.6BEquity
Loan mix
40%RE $1.7B60%C&I $2.5B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $1.6B2%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.97%Q2 ’245.36%Q2 ’2511.67%Q2 ’26+56%+290%

Non-interest income vs. expense

0.96%Q2 ’240.55%Q2 ’250.64%Q2 ’26+114%-150%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 1.2% share · #13 of 41 inst. · $1.1B of $95.0B

1.2% Clark
0.2% Sacramento
0.2% Palm Beach
0.0% Maricopa

Executive Summary

  • Earnings: ROA of 8.19%, up 801 bps year over year; NIM at 9.12%.
  • Asset quality: problem loans at 0.78% of loans (-1,017 bps YoY), with net recoveries of 4.85%.
  • Capital: tier 1 leverage ratio of 21.89%, up 328 bps from a year ago.
  • Funding: loans stand at 238.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.19%+801 bps YoY

Net Interest Margin (YTD, annualized)

9.12%+678 bps YoY

Efficiency Ratio (YTD, annualized)

6.02%-4,261 bps YoY

Tier 1 Leverage Ratio

21.89%+328 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.26%0.63%2.55%8.19%+801 bps
Return on Equity0.99%1.35%3.28%12.33%37.98%+3,699 bps
Net Interest Margin2.34%2.11%2.36%2.67%9.12%+678 bps
Efficiency Ratio48.63%52.18%37.43%13.42%6.02%-4,261 bps
Non-Interest Burden1.76%1.59%1.30%-1.15%-0.89%-265 bps
Growth
Asset Growth (YoY)-2.94%-6.08%-10.50%-20.02%-34.97%-3,203 bps
Loan Growth (YoY)40.40%24.01%34.48%15.10%10.83%-2,956 bps
Deposit Growth (YoY)-38.15%-44.20%-59.73%-58.82%-71.51%-3,336 bps
Asset Quality
Nonperforming Loans / Loans10.96%2.62%2.76%2.60%0.78%-1,017 bps
Net Charge-Offs / Loans1.19%0.47%0.30%-0.01%-4.85%-604 bps
Allowance / Loans0.67%0.97%1.05%1.18%1.36%+69 bps
Allowance Coverage of NPLs0.1x0.4x0.4x0.5x1.7x+1.7x
Capital
Tier 1 Leverage Ratio18.61%18.65%19.27%22.00%21.89%+328 bps
Total Risk-Based Capital54.22%58.56%54.35%53.79%52.89%-133 bps
Equity / Assets18.28%19.16%19.21%22.24%23.91%+562 bps
Liquidity & Funding
Loans / Deposits61.42%69.66%111.79%113.60%239%+17,754 bps
Liquid Assets / Assets4.22%2.83%4.52%3.97%1.28%-295 bps
CRE / Total Capitaln/a45.74%52.28%58.36%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beal Bank USA

Las Vegas, NV · Cert 57833 · Peer group: banks over $10B in assets (n=142-144)

State charter, non-member · FDIC · 10 branches

Q2 2026

$11.0BAssets
$3.9BLoans
$1.7BDeposits
$2.6BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks over $10B in assets (rank 1 of 144).
  • Widest gap: nonperforming loans / loans trails 54% of banks over $10B in assets (rank 78 of 142).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

9.54%

Rank 1 of 144

Net Interest Margin

9.12%

Rank 5 of 144

Efficiency Ratio

6.02%

Rank 1 of 144

Equity / Assets

23.91%

Rank 1 of 144

Non-interest income vs. expense

$180.6M$75.7MINCOMEEXPENSE
Favorable gap of $104.9M · efficiency ratio beats 100% of banks over $10B in assets
Bank 6.02%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets9.54%1.00%1.26%1.54%Beats 99%1 / 144
Return on Equity39.91%8.98%11.34%14.40%Beats 97%4 / 144
Net Interest Margin9.12%2.82%3.31%3.68%Beats 97%5 / 144
Efficiency Ratio6.02%49.42%56.02%62.41%Beats 100%1 / 144
Asset Quality
Nonperforming Loans / Loans0.78%0.48%0.73%1.07%Beats 46%78 / 142
Net Charge-Offs / Loans0.00%0.05%0.11%0.22%Beats 96%6 / 142
Capital
Tier 1 Capital Ratio51.76%12.07%12.98%14.92%Beats 99%2 / 144
Total Risk-Based Capital Ratio52.89%13.39%14.14%16.25%Beats 99%2 / 144
Equity / Assets23.91%9.69%11.39%12.96%Beats 99%1 / 144
Liquidity & Funding
Loans / Deposits239%75.72%84.92%91.56%99th pctl1 / 143
Loans / Assets35.70%59.83%69.07%74.80%6th pctl135 / 144
Brokered Deposits / Depositsn/aNot reported for this institution