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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57833 · NV A · 89/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (89/100)
  • UPPER-Q #817/4307
  • PHOTO-FINISH Greene County Commer… · NY
  • TIER1-WELL 53.5% Tier 1
  • TEXAS-CLEAN 3.9% Texas
  • ROA-THIN 0.63% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nevada: Greene County Commercial Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Beal Bank USA

Lowest and highest poles plus nearest scored peers outside Nevada, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beal Bank USA · NV · this ba…89/100Charles Schwab Bank,… · TX ·…89/100Greene County Commer… · NY ·…89/100National Advisors Tr… · KS ·…89/100nbkc bank · KS · near89/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Beal Bank USA · July 2026

Call Report read for Beal Bank USA in a high-failure state

Beal Bank USA (FDIC Cert #57833) carries a PlainBankData health grade of A at 89/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #817 of 4,307. Tier 1 capital prints at 53.51%, clearing the 10% well-capitalized line. The Texas Ratio is 3.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.63%. Balance-sheet scale is $14.5B, 129th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Greene County Commercial Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Beal Bank USA

12 FAILURE resolutions in Nevada since 2000, heavy vs the state corpus

Beal Bank USA sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Beal Bank USA's current Call Report.

  • 1st COMMERCE BANK NORTH LAS VEGAS, NV 2013 → PLAZA BANK
  • NEVADA COMMERCE BANK LAS VEGAS, NV 2011 → CITY NATIONAL BANK
  • SOUTHWESTUSA BANK LAS VEGAS, NV 2010 → PLAZA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nevada banks.

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.

0/100100/100National avg77/10089/100
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 Assets

$14.5B

Total balance-sheet footings

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

0% 10% 20% 30% 40% 50% 60% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 52.11% 53.51% 54.91%
Basel III capital ratios - Beal Bank USA

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

89 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Beal Bank USA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Beal Bank USA

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

What these ratios mean →

Profitability metrics: Beal Bank USA

Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
3.28%
Efficiency Ratio
37.43%

What these mean →

Income & expense at Beal Bank USA

$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.

FDIC Failed Bank List → View Beal Bank USA on FDIC BankFind →

Top banks in Nevada by total assets

Largest banks headquartered in Nevada
  1. 1
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  2. 2
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  3. 3
    Wells Fargo National Bank West $9.0B

    Las Vegas, NV · Grade A

  4. 4
    Credit One Bank $2.0B

    Las Vegas, NV · Grade A

  5. 5
    Meadows Bank $1.4B

    Las Vegas, NV · Grade A

Top 5 banks in Nevada ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Beal Bank USA nationally by total assets
  1. 1
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  2. 2
    Bell Bank $14.4B

    Fargo, ND · Grade C

  3. 3
    Israel Discount Bank of New York $14.4B

    New York, NY · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  6. 6
    Popular Bank $15.1B

    New York, NY · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($14.5B here), outside Nevada so the neighborhood is not state containment.

OceanFirst Bank $14.5B · NJ Bell Bank $14.4B · ND Israel Discount Bank of New York $14.4B · NY ConnectOne Bank $14.0B · NJ

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.

Beal Bank USA Call Report profile · FDIC Failed Bank List · Nevada FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nevada

All Nevada banks →
BankAssetsGradeROA
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%