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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