BlastPoint's Banking Scorecard

Beal Bank USA

$10B-$250B Specialty: Commercial NV FDIC cert 57833

Las Vegas, NV

10 branches across FL · AZ · CA · CO · GA · IL · NV · PA · WA

135 banks in the $10B-$250B peer group nationally 2 in NV

Beal Bank USA has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 0.1% in tier
+ Revenue Diversifier: Top 5.9% in tier
+ Efficiency Ratio 40.48% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Deposit Outflow: Bottom 23.5% in tier
- Capital Constraint: Bottom 66.7% in tier
- Delinquency Rate 1.61% above tier average
- Net Interest Margin 1.14% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$13.0B -20.0% YoY -10.2% QoQ	-$34.3B	$47.4B -2.0% YoY	$3.1B +7.5% YoY	$6.2B +9.0% YoY	Bottom 14.8% in tier
Total Loans ?	$4.1B +14.5% YoY +4.9% QoQ	-$25.5B	$29.6B -0.4% YoY	$1.6B +22.3% YoY	$3.2B +10.7% YoY	Bottom 3.7% in tier
Total Deposits ?	$3.7B -58.8% YoY +3.4% QoQ	-$35.1B	$38.7B -1.6% YoY	$2.1B +0.1% YoY	$4.8B +8.0% YoY	Bottom 0.7% in tier
Return on Assets ?	2.55% +911.7% YoY +304.0% QoQ	+1.26%	1.28% +19.3% YoY	3.24% -3.8% YoY	1.24% +13.1% YoY	Top 3.7% in tier
Net Interest Margin ?	2.63% +5.2% YoY +18.8% QoQ	-1.14%	3.77% +5.6% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	Bottom 14.1% in tier
Efficiency Ratio ?	13.42% -93.2% YoY -64.1% QoQ	-40.48%	53.90% -4.0% YoY	57.12% -16.3% YoY	66.84% -3.8% YoY	Top 0.7% in tier
Delinquency Rate ?	2.63% -75.8% YoY -5.9% QoQ	+1.61%	1.02% -4.1% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	Bottom 4.5% in tier
Loan-to-Deposit Ratio ?	112.27% +178.1% YoY +1.5% QoQ	+31.38%	80.88% +2.0% YoY	80.72% +7.8% YoY	76.69% +0.9% YoY	Bottom 3.7% in tier
Non-Interest-Bearing Deposit Share ?	1.48% +323.8% YoY -12.3% QoQ	-18.34%	19.82% +0.3% YoY	22.43% -7.9% YoY	22.01% -1.1% YoY	16%
Nonperforming Asset Ratio ?	0.86% -64.6% YoY +9.5% QoQ	+0.13%	0.73% +4.0% YoY	0.75% -3.5% YoY	0.66% +19.3% YoY	21%
Tier 1 Capital Ratio ?	52.82% +0.1% YoY -1.3% QoQ	+37.26%	15.56% -0.1% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	Top 1.5% in tier
Non-Interest Income / Assets ?	0.42% +183.1% YoY +165.2% QoQ	+0.20%	0.23% +0.9% YoY	1.43% +2.0% YoY	0.32% +4.0% YoY	Top 9.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#1 of 34 • Top 0.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.55%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#3 of 34 • Top 5.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 2.55%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

Concerns (3)

Liquidity Overhang

risk

#1 of 24 • Bottom 0.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 52.82%

(Tier: 15.56%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 112.27%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +14 banks QoQ

Deposit Outflow

decline

#5 of 17 • Bottom 23.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

17 of 17 Large banks match · 655 nationally

→ Stable -6 banks QoQ | QoQ rank declining

Capital Constraint

risk

#3 of 3 • Bottom 66.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 112.27%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

Tier 1 Capital Ratio: 52.82%

(Tier: 15.56%, National: 17.06%)

better than tier avg

3 of 3 Large banks match · 148 nationally

↑ Growing +20 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 13.42%

Peer Median: 53.90%

#2 of 135 Top 0.7% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 52.82%

Peer Median: 15.56%

#3 of 135 Top 1.5% in $10B-$250B

Return on Assets

profitability

Value: 2.55%

Peer Median: 1.28%

#6 of 135 Top 3.7% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.23%

#14 of 135 Top 9.6% in $10B-$250B

Top Weaknesses (8 metrics)

135

Total Deposits

size

Value: $3.67B

Peer Median: $38.75B

#135 of 135 Bottom 0.7% in $10B-$250B

131

Loan-to-Deposit Ratio

liquidity

Value: 112.27%

Peer Median: 80.88%

#131 of 135 Bottom 3.7% in $10B-$250B

131

Total Loans

size

Value: $4.12B

Peer Median: $29.62B

#131 of 135 Bottom 3.7% in $10B-$250B

129

Delinquency Rate

credit_quality

Value: 2.63%

Peer Median: 1.02%

#129 of 134 Bottom 4.5% in $10B-$250B

117

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.77%

#117 of 135 Bottom 14.1% in $10B-$250B

116

Total Assets

size

Value: $13.03B

Peer Median: $47.36B

#116 of 135 Bottom 14.8% in $10B-$250B

115

Non-Interest-Bearing Deposit Share

funding

Value: 1.48%

Peer Median: 19.82%

#115 of 135 Bottom 15.6% in $10B-$250B

107

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.73%

#107 of 135 Bottom 21.5% in $10B-$250B