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
Favorable gap of $104.9M · efficiency ratio beats 100% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 9.54% | 1.00% | 1.26% | 1.54% | Beats 99% | 1 / 144 | |
| Return on Equity | 39.91% | 8.98% | 11.34% | 14.40% | Beats 97% | 4 / 144 | |
| Net Interest Margin | 9.12% | 2.82% | 3.31% | 3.68% | Beats 97% | 5 / 144 | |
| Efficiency Ratio | 6.02% | 49.42% | 56.02% | 62.41% | Beats 100% | 1 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.48% | 0.73% | 1.07% | Beats 46% | 78 / 142 | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 96% | 6 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 51.76% | 12.07% | 12.98% | 14.92% | Beats 99% | 2 / 144 | |
| Total Risk-Based Capital Ratio | 52.89% | 13.39% | 14.14% | 16.25% | Beats 99% | 2 / 144 | |
| Equity / Assets | 23.91% | 9.69% | 11.39% | 12.96% | Beats 99% | 1 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 239% | 75.72% | 84.92% | 91.56% | 99th pctl | 1 / 143 | |
| Loans / Assets | 35.70% | 59.83% | 69.07% | 74.80% | 6th pctl | 135 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |