| Metric | Beal Bank USA | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -35.0% | +5.9% | -40.8 pts |
| Deposit growth (YoY) | -71.5% | +5.7% | -77.2 pts |
| Loan growth (YoY) | +10.1% | +6.9% | +3.1 pts |
| ROA | 8.20% | 1.23% | +7.0 pts |
| ROE | 38.0% | 11.2% | +26.7 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.05B | $1.65B | $3.89B | $2.64B | $527.0M | 8.20% | 8.99% | 0.32% |
| Q1 2026 | $13.03B | $3.67B | $4.12B | $2.90B | $87.6M | 2.55% | 2.63% | 0.86% |
| Q4 2025 | $14.51B | $3.55B | $3.93B | $2.79B | $101.4M | 0.63% | 2.22% | 0.79% |
| Q3 2025 | $16.45B | $5.08B | $3.50B | $3.15B | $32.0M | 0.26% | 2.26% | 0.59% |
| Q2 2025 | $16.99B | $5.79B | $3.53B | $3.11B | $15.7M | 0.19% | 2.51% | 2.32% |
| Q1 2025 | $16.29B | $8.91B | $3.60B | $3.10B | $-12.7M | -0.31% | 2.50% | 2.43% |
| Q4 2024 | $16.22B | $8.82B | $2.93B | $3.33B | $1.02B | 5.60% | 1.15% | 2.44% |
| Q3 2024 | $17.51B | $9.10B | $2.83B | $3.47B | $747.6M | 5.31% | 0.97% | 2.26% |
Loan mix (Q2 2026): real estate $1.77B · commercial $2.17B · consumer $6K · securities $6.14B
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.20% | 1.23% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 38.0% | 11.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.99% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 6.0% | 54.9% | 3rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Beal Bank USA | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 10 counties across 9 states (-1 vs 2025) · $1.65B branch deposits. Biggest market: Clark, NV, ranked 18th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 1 | $1.11B | 1.05% | 18th |
| Sacramento, CA | 1 | $149.1M | 0.17% | 29th |
| Palm Beach, FL | 1 | $120.4M | 0.17% | 42nd |
| 7 more counties with Pro → | ||||
Nevada: 19th with 0.84% · California: 280th with 0.01% · Florida: 216th with 0.01% · Arizona: 88th with 0.03% · Colorado: 149th with 0.03% · Washington: 119th with 0.02% · Pennsylvania: 322nd with 0.00% · Georgia: 248th with 0.00% · Illinois: 516th with 0.00% · Las Vegas-Henderson-North Las Vegas metro: 18th, 1.05% · Sacramento-Roseville-Folsom metro: 40th, 0.12% ·
Branch count: 2022 13 · 2023 13 · 2024 11 · 2025 11 · 2026 10