Side-by-side · Q2 2026 data
Five Star Bank vs Beal Bank USA
Metric by metric
| Measure | Five Star Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 68 | 80 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 90 (stronger) | 74 |
| Earnings | 85 | 100 (stronger) |
| Funding & liquidity | 18 (stronger) | 15 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 49th | 96th |
| Total assets | $5.4B | $11.0B |
| Deposits / shares | $4.8B | $1.7B |
| Capital ratio | 10.25% | 21.89% (stronger) |
| Problem loans | 0.30% (stronger) | 0.78% |
| Net charge-offs | 0.08% | -4.75% (stronger) |
| Return on assets | 1.62% | 8.19% (stronger) |
| Loans ÷ deposits | 93.0% (stronger) | 235.7% |
| Uninsured deposits | 59.2% | 46.6% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Beal Bank USA has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 2 and Beal Bank USA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.