Beal Bank
Plano, Texas · FDIC Cert #32574
Beal Bank is an FDIC-insured bank (Certificate #32574) with $4.8B in total assets and $2.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Plano, Texas, the bank maintains a Tier 1 capital ratio of 70.47% (Well-Capitalized) and a nonperforming loan ratio of 6.05%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Beal Bank (FDIC cert 32574) is a mid-sized bank with $4.8B in total assets and $2.4B in deposits, based in Plano, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 70.47% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 6.05% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 73.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 10.10% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Beal Bank carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Beal Bank
- Total Assets
- $4.8B
- Total Deposits
- $2.4B
- Tier 1 Capital Ratio
- 70.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 6.05%
- Liquidity Ratio
- 73.45%
- Return on Assets
- 10.10%
- Headquarters
- Plano, Texas
- FDIC Certificate
- #32574
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Beal Bank holds a Tier 1 capital ratio of 70.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Beal Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Beal Bank shows strong financial health indicators. With $4.8B in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Beal Bank Compares
Beal Bank’s Health Score of 70 is 4 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 70.47% Tier 1 capital ratio is 56.5 points above the US banking industry average near 14%. The 6.05% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 10.10% is in line with or above the national ROA benchmark of ~1.1%. Among 310 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Beal Bank has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 70.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Beal Bank's Tier 1 capital ratio of 70.47% and nonperforming loan ratio of 6.05% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Beal Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #32574). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Beal Bank holds $4.8B in total assets and $2.4B in total deposits. It is headquartered in Plano, Texas (FDIC Certificate #32574).
Beal Bank has a Tier 1 capital ratio of 70.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 6.05%, and the return on assets is 10.10%.
Yes. Beal Bank is FDIC-insured (Certificate #32574). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Beal Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.