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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 2 in NV.
Deposits -71.5% year over year ($1.7B on the books).
Delinquency rate 0.79%.
Return on assets 8.19%.
Efficiency ratio 6.02% vs a 53.67% peer average.
Loan-to-deposit ratio 235.72% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $10B-$250B leaderboard (NV) →

Beal Bank USA has 5 strengths but faces 3 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 14.3% in tier
+ Net Interest Margin 5.07% above tier average
+ Efficiency Ratio 47.65% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Deposit Outflow: Bottom 44.4% in tier
- Capital Constraint: Bottom 75.0% in tier

Get updates when Beal Bank USA releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$11.0B -35.0% YoY -15.2% QoQ	-$32.6B	$43.6B -13.8% YoY	$3.1B +2.3% YoY	$6.3B +7.7% YoY	Bottom 7.9% in tier
Total Loans ?	$3.9B +10.1% YoY -5.6% QoQ	-$24.1B	$28.0B -8.6% YoY	$1.6B +20.6% YoY	$3.2B +9.4% YoY	Bottom 3.6% in tier
Total Deposits ?	$1.7B -71.5% YoY -55.0% QoQ	-$33.8B	$35.4B -14.0% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 0.7% in tier
Return on Assets ?	8.19% +221.9% QoQ	+6.81%	1.39% +25.9% YoY	3.59% +7.1% YoY	1.30% +12.1% YoY	Top 0.1% in tier
Net Interest Margin ?	8.99% +258.1% YoY +241.4% QoQ	+5.07%	3.92% +8.9% YoY	5.65% +11.1% YoY	3.95% +4.9% YoY	Top 2.9% in tier
Efficiency Ratio ?	6.02% -87.6% YoY -55.1% QoQ	-47.65%	53.67% -1.9% YoY	55.66% -2.7% YoY	70.05% +2.5% YoY	Top 0.1% in tier
Delinquency Rate ?	0.79% -92.8% YoY -69.8% QoQ	-0.22%	1.01% -2.8% YoY	1.02% -35.3% YoY	0.98% +16.3% YoY	46%
Loan-to-Deposit Ratio ?	235.72% +286.4% YoY +110.0% QoQ	+153.11%	82.61% +3.1% YoY	86.66% +13.2% YoY	79.03% +2.3% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	2.40% +564.7% YoY +61.6% QoQ	-18.18%	20.58% +4.9% YoY	21.87% -6.7% YoY	21.98% -0.6% YoY	Bottom 13.7% in tier
Nonperforming Asset Ratio ?	0.32% -86.1% YoY -62.6% QoQ	-0.41%	0.73% +5.8% YoY	0.74% +3.7% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	51.76% -3.8% YoY -2.0% QoQ	+36.41%	15.35% -0.4% YoY	23.41% +6.1% YoY	17.09% +0.8% YoY	Top 1.4% in tier
Non-Interest Income / Assets ?	0.82% +239.0% YoY +92.6% QoQ	+0.32%	0.50% +10.5% YoY	2.78% +2.3% YoY	0.66% +5.2% YoY	Top 11.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Noninterest-Bearing	2.4% +2.0pp YoY +0.9pp QoQ	-18.6pp	21.0%	25.5%	22.2%	11%
Brokered Deposits	44.3% -39.1pp YoY -29.9pp QoQ	+35.1pp	9.2%	31.0%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
C&I	55.8% -8.1pp YoY -4.7pp QoQ	+38.6pp	17.2%	22.5%	12.5%	98%
CRE	44.5% +9.1pp YoY +4.9pp QoQ	+2.4pp	42.0%	68.4%	41.4%	52%
1-4 Family	1.1% -0.3pp YoY 0.0pp QoQ	-22.0pp	23.1%	12.7%	31.3%	3%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-12.9pp	12.9%	31.5%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
CET1 Ratio	51.8% -2.0pp YoY -1.1pp QoQ	+36.5pp	15.3%	29.4%	19.7%	98%
Leverage Ratio	21.9% +3.3pp YoY -0.1pp QoQ	+11.5pp	10.4%	16.3%	12.6%	99%
Total Capital Ratio	52.9% -1.3pp YoY -0.9pp QoQ	+36.4pp	16.5%	30.3%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Full-Time Employees	203 -21 (-9.4%) YoY +9 (+4.6%) QoQ	-3,055	3,258	177	482	4%
Assets per Employee ($)	$54.4M -28.2% YoY -19.0% QoQ	+$27.4M	$27.0M	$17.0M	$8.8M	90%
Branch Count	10 -1 (-9.1%) YoY -1 (-9.1%) QoQ	-128	137	2	18	24%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.9%	0.4%	n/a
Nonaccrual	0.8% -10.2pp YoY -1.8pp QoQ	+0.1pp	0.7%	1.0%	1.0%	65%
Allowance Coverage	1.73x +2728.3% YoY +282.6% QoQ	-1.08x	2.81x	4.66x	20.23x	50%
Net Charge-off Rate (YTD)	-4.8% -6.0pp YoY -4.7pp QoQ	-5.2pp	0.4%	1.2%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
ROE	38.0% +37.0pp YoY +25.6pp QoQ	+25.3pp	12.6%	17.9%	11.6%	97%
Cost of Funds (YTD)	2.5% -0.7pp YoY 0.0pp QoQ	+0.6pp	2.0%	2.0%	1.7%	79%
Net Income ($, YTD)	$527.0M +3264.1% YoY — QoQ	+$230.2M	$296.8M	$65.7M	$40.4M	86%

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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 35 • Top 0.1% in tier

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

Why this signature

Return on Assets: 8.19%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#6 of 35 • Top 14.3% 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: 0.82%

(Tier: 0.50%, National: 0.66%)

better than tier avg

Return on Assets: 8.19%

(Tier: 1.39%, National: 1.30%)

better than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (3)

Liquidity Overhang

risk

#1 of 22 • 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: 51.76%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 235.72%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ

Deposit Outflow

decline

#9 of 18 • Bottom 44.4% in tier

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

18 of 18 Large banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Capital Constraint

risk

#4 of 4 • Bottom 75.0% 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: 235.72%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 51.76%

(Tier: 15.35%, National: 17.09%)

better than tier avg

4 of 4 Large banks match · 143 nationally

→ Stable -5 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 139 peers in $10B-$250B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 8.19%

Peer Median: 1.39%

#1 of 139 Top 0.1% in $10B-$250B

Efficiency Ratio

profitability

Value: 6.02%

Peer Median: 53.67%

#1 of 139 Top 0.1% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 51.76%

Peer Median: 15.35%

#3 of 139 Top 1.4% in $10B-$250B

Net Interest Margin

profitability

Value: 8.99%

Peer Median: 3.92%

#5 of 139 Top 2.9% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.82%

Peer Median: 0.50%

#17 of 139 Top 11.5% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.32%

Peer Median: 0.73%

#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (5 metrics)

139

Loan-to-Deposit Ratio

liquidity

Value: 235.72%

Peer Median: 82.61%

#139 of 139 Bottom 0.7% in $10B-$250B

139

Total Deposits

size

Value: $1.65B

Peer Median: $35.42B

#139 of 139 Bottom 0.7% in $10B-$250B

135

Total Loans

size

Value: $3.89B

Peer Median: $27.97B

#135 of 139 Bottom 3.6% in $10B-$250B

129

Total Assets

size

Value: $11.05B

Peer Median: $43.60B

#129 of 139 Bottom 7.9% in $10B-$250B

121

Non-Interest-Bearing Deposit Share

funding

Value: 2.40%

Peer Median: 20.58%

#121 of 139 Bottom 13.7% in $10B-$250B