Side-by-side · Q2 2026 data
WaFd Bank vs Beal Bank USA
Metric by metric
| Measure | WaFd Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 79 (stronger) | 74 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 47 (stronger) | 15 |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 32nd | 96th |
| Total assets | $27.6B | $11.0B |
| Deposits / shares | $21.1B | $1.7B |
| Capital ratio | 9.21% | 21.89% (stronger) |
| Problem loans | 0.63% (stronger) | 0.78% |
| Net charge-offs | 0.02% | -4.75% (stronger) |
| Return on assets | 0.99% | 8.19% (stronger) |
| Loans ÷ deposits | 95.1% (stronger) | 235.7% |
| Uninsured deposits | 31.1% (stronger) | 46.6% |
| Offices | 210 | 10 |
| CFPB complaints (3 yrs) | 93 | — |
| Complaints per $1B deposits | 4.4 | — |
| Mortgage denial rate (HMDA) | 18.8% | — |
Beal Bank USA has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), WaFd Bank leads on 3 and Beal Bank USA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.