Side-by-side · Q2 2026 data
BNC National Bank vs Beal Bank USA
Metric by metric
| Measure | BNC National Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 72 | 74 (stronger) |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 62 (stronger) | 15 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 63rd | 96th |
| Total assets | $1.0B | $11.0B |
| Deposits / shares | $915.8M | $1.7B |
| Capital ratio | 12.21% | 21.89% (stronger) |
| Problem loans | 0.84% | 0.78% (stronger) |
| Net charge-offs | 0.61% | -4.75% (stronger) |
| Return on assets | 1.14% | 8.19% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 235.7% |
| Uninsured deposits | 32.5% (stronger) | 46.6% |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
Beal Bank USA has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), BNC National Bank leads on 2 and Beal Bank USA on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.