2.55%
+911.7%y/y
Peer standing97th percentile
FDIC
NETINC + ROABB
Beal Bank USA
Las Vegas, NevadaFDIC Cert #57833
STATEEstablished 200411 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
12.33%
+877.6%y/y
Peer standing71st percentile
FDIC
NETINC + ROE3.26%
+1,262.1%y/y
Peer standing97th percentile
FDIC
PTAXNETINC + ASSET2.63%
+5.2%y/y
Peer standing10th percentile
FDIC
NIM + NIMY5.14%
−10.4%y/y
Peer standing36th percentile
FDIC
INTINCY8.92%
+62.0%y/y
Peer standing0th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
13.42%
−93.2%y/y
Peer standing100th percentile
FDIC
NONIX + NIM + NONII + EEFFR0.55%
−2.2%y/y
Peer standing99th percentile
FDIC
NONIX + ASSET39.46%
+105.5%y/y
Percentile by value96th percentileby value
FDIC
NONII + NIM−20.02%
−107.1%y/y
Percentile by value0th percentileby value
FDIC
ASSET−58.82%
−222.2%y/y
Percentile by value0th percentileby value
FDIC
DEP+14.51%
−62.5%y/y
Percentile by value71st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.55%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDIC
NETINC + ROE12.33%70th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDIC
NIM + NIMY2.63%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR13.42%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDIC
DEP−58.82%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDIC
LNLSNET+14.51%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%95th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDIC
RBC1AAJ22.00%98th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.29%Median 10.30%90th 12.41%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.92%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC56%11th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 213%90th 309%Observations 110
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA2.55%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.55%Median 1.20%90th 2.53%Observations 13
ROE
FDIC
NETINC + ROE12.33%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.65%Median 10.85%90th 19.68%Observations 13
NIM
FDIC
NIM + NIMY2.63%17th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.84%Median 3.97%90th 4.93%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR13.42%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 26.19%Median 58.75%90th 81.54%Observations 13
Deposits YoY
FDIC
DEP−58.82%7th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −12.76%Median +7.94%90th +23.22%Observations 13
Loans YoY
FDIC
LNLSNET+14.51%50th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.44%Median +14.51%90th +43.35%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.61%85th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.71%90th 2.39%Observations 13
Leverage
FDIC
RBC1AAJ22.00%78th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.31%Median 13.95%90th 22.58%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM8.92%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.85%Median 2.41%90th 3.98%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC56%60th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 56%90th 218%Observations 6
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.