TellerScore

Beal Bank USA (FDIC certificate #57833) is based in Las Vegas, Nevada. Its Q2 2026 call report shows $11.0B in total assets and $1.7B in deposits and 10 offices across 9 states.

Based on its Q2 2026 filing, Beal Bank USA scores 80/100, which we describe as strong. That is higher than 96% of 132 banks with $10 billion – $100 billion. Among 14 banks headquartered in Nevada, it ranks 6th. Its strongest component is capital cushion (100/100; 21.89%), and its lowest is funding & liquidity (15/100; 236% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 21.89%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.78%
Earnings100/100
Return on assets (annualized): 8.19%
Funding & liquidity15/100
Loans ÷ deposits and uninsured-deposit share: 235.7% · 46.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 30 points (50 → 80), mostly because the loan quality component improved by 74 points.

TellerScore
506580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202469
Q1 202550
Q2 202550
Q3 202555
Q4 202550
Q1 202669
Q2 202680
Tier 1 leverage ratio
5.00%13.50%22.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202421.82%
Q3 202419.84%
Q4 202419.61%
Q1 202518.77%
Q2 202518.61%
Q3 202518.65%
Q4 202519.27%
Q1 202622.00%
Q2 202621.89%
Noncurrent loans
0.78%8.17%15.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 202415.56%
Q3 202413.76%
Q4 202413.25%
Q1 202510.79%
Q2 202510.96%
Q3 20252.62%
Q4 20252.76%
Q1 20262.60%
Q2 20260.78%
Return on assets
-0.31%5.07%10.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 202410.46%
Q3 20245.31%
Q4 20245.60%
Q1 2025-0.31%
Q2 20250.19%
Q3 20250.26%
Q4 20250.63%
Q1 20262.55%
Q2 20268.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$11.0B21.89%0.78%8.19%235.7%
Q1 202669$13.0B22.00%2.60%2.55%112.3%
Q4 202550$14.5B19.27%2.76%0.63%110.6%
Q3 202555$16.4B18.65%2.62%0.26%69.0%
Q2 202550$17.0B18.61%10.96%0.19%61.0%
Q1 202550$16.3B18.77%10.79%-0.31%40.4%
Q4 202469$16.2B19.61%13.25%5.60%33.2%
Q3 202469$17.5B19.84%13.76%5.31%31.1%
Q2 202469$17.5B21.82%15.56%10.46%26.8%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.89%
99th
Total risk-based capital52.89%
98th
Problem loans0.78%
40th
Net charge-offs-4.75%
100th
Return on assets8.19%
100th
Net interest margin8.99%
98th
Efficiency ratio6.0%
95th
Loans to deposits235.7%
0th
Uninsured deposits46.6%
27th
Loan-loss reserves1.36%
79th
Texas ratio1.3%
90th

Similar-size banks in Nevada

InstitutionScoreAssetsCapitalProblem loansCompare
Toyota Financial Savings BankBank Henderson, NV73 out of 100, Strong$16.8B11.1%0.20%vs

Deposit insurance

Is my money safe at Beal Bank USA?

Yes. Beal Bank USA is an FDIC-insured institution (FDIC certificate #57833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.6% of deposits ($768.4M) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 21.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 52.89% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Beal Bank USA lists 10 offices in 10 cities across 9 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Beal Bank USA
Former names
Beal Savings Bank; Beal Bank Nevada
Type
State-chartered bank
FDIC certificate #
57833
RSSD ID
3284397
Primary regulator
FDIC
Established
August 2, 2004
Headquarters
1970 Village Center Cir, Las Vegas, NV 89134
Employees
203

Quick answers

Beal Bank USA: common questions

Is Beal Bank USA FDIC insured?

Yes. Beal Bank USA is an FDIC-insured institution (FDIC certificate #57833). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Beal Bank USA's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Beal Bank USA ever failed?

There is no failure record for FDIC certificate #57833 in the FDIC failed bank list.

How many branches does Beal Bank USA have?

10 offices as of the latest FDIC data, in 9 states.

Nearby

Highest-scoring banks and credit unions with branches near Las Vegas

InstitutionScoreAssetsCapitalProblem loansCompare
One Nevada Credit UnionCredit union Las Vegas, NV93 out of 100, Very strong$1.5B16.7%0.31%vs
Town & Country BankBank Las Vegas, NV87 out of 100, Very strong$206.9M14.9%0.00%vs
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs
First Security Bank of NevadaBank Las Vegas, NV84 out of 100, Strong$297.7M26.3%0.70%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs