Side-by-side · Q2 2026 data
River City Bank vs Beal Bank USA
Metric by metric
| Measure | River City Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 69 | 80 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 100 (stronger) | 74 |
| Earnings | 70 | 100 (stronger) |
| Funding & liquidity | 52 (stronger) | 15 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 53rd | 96th |
| Total assets | $6.0B | $11.0B |
| Deposits / shares | $5.4B | $1.7B |
| Capital ratio | 9.22% | 21.89% (stronger) |
| Problem loans | 0.00% (stronger) | 0.78% |
| Net charge-offs | -0.00% | -4.75% (stronger) |
| Return on assets | 1.26% | 8.19% (stronger) |
| Loans ÷ deposits | 83.7% (stronger) | 235.7% |
| Uninsured deposits | 37.1% (stronger) | 46.6% |
| Offices | 8 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.8% | — |
Beal Bank USA has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), River City Bank leads on 3 and Beal Bank USA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.