Total Assets
$14.5B
Total balance-sheet footings
FDIC Cert #57833 · Las Vegas, Nevada · Est. 2004
Beal Bank USA - FDIC Bank Health Profile
A community-scale look at Beal Bank USA's own numbers, pulled straight from its quarterly FDIC Call Report.
- $14.5B
- Total assets
- A
- Health grade · Excellent
- 0.63%
- Return on assets
- 53.5%
- Tier 1 capital
Data updated July 2026
The verdict
Beal Bank USA earns a PlainBankData health grade of A (89/100), with well-capitalized at 53.51% Tier 1, 0.63% ROA, efficient (37% cost ratio).
- #129
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 53.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 21st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Beal Bank USA's 89/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Beal Bank USA's composite health score
Tier 1 Capital Ratio (53.51%) 40/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (3.88%) 20/20
Efficiency Ratio (37.43%) 15/15
89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.6B
Customer-funded liabilities
Net Loans
$3.9B
Outstanding loan book
Net Income
$101M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Beal Bank USA ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Beal Bank USA's score of 89/100 falls in the highlighted band.
Beal Bank USA's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Beal Bank USA's $14.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
53.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
53.51%
Texas Ratio
3.88%
Equity Capital
$2.8B
Profitability metrics
Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
3.28%
Efficiency Ratio
37.43%
What the numbers say about Beal Bank USA
Beal Bank USA is an FDIC-insured institution (Certificate #57833) headquartered in Las Vegas, Nevada, established in 2004. It holds $14.5B in total assets - 129th of 4,313 FDIC-insured banks, $3.6B in customer deposits, and $3.9B in net loans. Its capital position: a Tier 1 ratio of 53.51%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.88% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (89 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Beal Bank USA sits in the top decile of all FDIC-insured institutions by asset size (129th of 4,313), and within Nevada it ranks 2nd of 15 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Wells Fargo National Bank West, at $9.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$810M
Interest Income
$-94,485K
Non-Interest Income
$89M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Beal Bank USA reports a Texas Ratio of 3.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
National size peers: banks closest to Beal Bank USA by assets
Measured strictly by total assets rather than geography, Beal Bank USA's closest national peers include OceanFirst Bank, Bell Bank, Israel Discount Bank of New York, ConnectOne Bank, spanning 4 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Nevada. Averaged across this asset-matched cohort, return on assets runs 0.65% (Beal Bank USA is below that at 0.63%), the efficiency ratio averages 65.16% (Beal Bank USA runs leaner at 37.43%), and Tier 1 capital averages 12.25% (Beal Bank USA holds more at 53.51%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $14.5B in assets, Beal Bank USA has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Beal Bank USA (this bank) | NV | $14.5B | 0.63% | 37.43% | 53.51% |
| OceanFirst Bank, National Association | NJ | $14.5B | 0.61% | 68.55% | 11.54% |
| Bell Bank | ND | $14.4B | 0.59% | 77.28% | 11.49% |
| Israel Discount Bank of New York | NY | $14.4B | 0.54% | 71.49% | 13.84% |
| ConnectOne Bank | NJ | $14.0B | 0.77% | 54.90% | 12.36% |
| Live Oak Banking Company | NC | $15.1B | 0.82% | 56.12% | 10.46% |
| Popular Bank | NY | $15.1B | 0.60% | 62.61% | 13.79% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Beal Bank USA (FDIC Cert #57833) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Toyota Financial Savings BankHenderson | $15.4B | B | 0.30% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |
| Lexicon BankLas Vegas | $433M | A | 1.12% |
Frequently asked questions
What is Beal Bank USA's health grade?▼
Beal Bank USA receives a health grade of A (89/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Beal Bank USA?▼
Beal Bank USA holds $14.5B in total assets and $3.6B in deposits, ranking 129th of 4,313 FDIC-insured banks by asset size. It is headquartered in Las Vegas, Nevada.
Is my money safe at Beal Bank USA?▼
Yes, deposits at Beal Bank USA (Certificate #57833) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Beal Bank USA's Tier 1 Capital Ratio?▼
Beal Bank USA has a Tier 1 Capital Ratio of 53.51%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Beal Bank USA?▼
Beal Bank USA has a Texas Ratio of 3.88%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Beal Bank USA?▼
Beal Bank USA has an Efficiency Ratio of 37.43%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Beal Bank USA's profile as a depositor or analyst.
- Beal Bank USA's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Beal Bank USA against other Nevada banks before moving funds. Nevada banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.