Beal Bank USA
Las Vegas, Nevada, Clark County
$11.0B in total assets, the 152nd largest of 4,309 US banks and 2nd of 16 headquartered in Nevada.
- FDIC certificate
- 57833
- Established
- 2004
- Owned by
- No holding company
- Primary regulator
- FDIC
- Website
- www.bealbankUSA.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $11.0B | 10% | $22.5B | |
| Loans | $3.9B | 4% | $14.5B | |
| Deposits | $1.7B | 2% | $18.4B | |
| Return on assets | 4.25% | 98% | 1.29% | |
| Net interest margin | 8.99% | 98% | 3.61% | |
| Efficiency ratio | 6.0% | 2% | 55.2% | |
| Equity to assets | 23.91% | 98% | 11.57% | |
| Loans to deposits | 239% | 98% | 87% |
Growth
Total assets grew 14.1% a year over the last 5 years and 6.9% a year over 10 years, without acquisitions.
Where they operate
10 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Clark County, NV | $1.1B | 1.2% | 13 of 41 |
| Sacramento County, CA | $149M | 0.2% | 21 of 30 |
| Palm Beach County, FL | $120M | 0.2% | 32 of 56 |
| Maricopa County, AZ | $80M | 0.0% | 47 of 55 |
| Denver County, CO | $69M | 0.1% | 34 of 45 |
| King County, WA | $55M | 0.1% | 31 of 38 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 13 branches since 2016 (23 to 10, −56.5%). 1 opened, 0 acquired, 14 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2019 | Opened NewtonClosed Wellesley | 1 | 1 | 0 | 23 |
| 2020 | Closed Edina | 0 | 1 | −1 | 22 |
| 2021 | Closed 9 in 9 states | 0 | 9 | −9 | 13 |
| 2024 | Closed Plano | 0 | 2 | −2 | 11 |
| 2026 through Q2 | Closed Newton | 0 | 1 | −1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 55% | 17% | |
| Commercial real estate | 34% | 25% | |
| Construction and land | 10% | 6% | |
| 1-4 family residential | 1% | 21% | |
| Multifamily | 0% | 8% | |
| Consumer | 0% | 10% | |
| Other | 0% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 89% | 17% | |
| Other interest-bearing | 9% | 62% | |
| Noninterest-bearing | 2% | 20% |
Brokered deposits are 44.3% of deposits (peers 7.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.80% | 0.63% |
| Net charge-offs, annualized | -4.75% | 0.14% |
| Reserves to loans | 1.36% | 1.14% |
| Leverage ratio | 21.89% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nevada
Largest competitors in Clark County, NV
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/beal-usa