Side-by-side · Q2 2026 data
Pacific Crest Bank vs Beal Bank USA
Metric by metric
| Measure | Pacific Crest Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 84 (stronger) | 74 |
| Earnings | 44 | 100 (stronger) |
| Funding & liquidity | 55 (stronger) | 15 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 31st | 96th |
| Total assets | $318.5M | $11.0B |
| Deposits / shares | $239.9M | $1.7B |
| Capital ratio | 11.14% | 21.89% (stronger) |
| Problem loans | 0.47% (stronger) | 0.78% |
| Net charge-offs | -0.00% | -4.75% (stronger) |
| Return on assets | 0.59% | 8.19% (stronger) |
| Loans ÷ deposits | 99.7% (stronger) | 235.7% |
| Uninsured deposits | 20.6% (stronger) | 46.6% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beal Bank USA has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Pacific Crest Bank leads on 3 and Beal Bank USA on 4. 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.