Beal Bank USA
Las Vegas, Nevada · FDIC Cert #57833
This is the FDIC profile for Beal Bank USA, an FDIC-insured bank (Certificate #57833) with $17.5B in total assets and $9.4B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Las Vegas, Nevada, the bank maintains a Tier 1 capital ratio of 93.82% (Well-Capitalized) and a nonperforming loan ratio of 15.56%. BankHealthData assigns a composite Health Grade of B (70/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Beal Bank USA (FDIC cert 57833) is a large bank with $17.5B in total assets and $9.4B in deposits, headquartered in Las Vegas, Nevada. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 93.82% 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 15.56% 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: 79.1% 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 13.61% 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 USA 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 USA
- Total Assets
- $17.5B
- Total Deposits
- $9.4B
- Tier 1 Capital Ratio
- 93.82%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 15.56%
- Liquidity Ratio
- 79.10%
- Return on Assets
- 13.61%
- Headquarters
- Las Vegas, Nevada
- FDIC Certificate
- #57833
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Beal Bank USA files quarterly Call Reports with the FDIC under Certificate #57833. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Beal Bank USA holds a Tier 1 capital ratio of 93.82%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Beal Bank USA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Beal Bank USA shows strong financial health indicators. With $17.5B 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 USA Compares
Beal Bank USA’s Health Score of 70 is 12 points below the Nevada state average of 82 across 16 FDIC-insured banks. Its 93.82% Tier 1 capital ratio is 79.8 points above the US banking industry average near 14%. The 15.56% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 13.61% is in line with or above the national ROA benchmark of ~1.1%. Among 105 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Beal Bank USA is 10 points below the portfolio average of 80.
Frequently Asked Questions
Beal Bank USA has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 93.82%, 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 USA's Tier 1 capital ratio of 93.82% and nonperforming loan ratio of 15.56% 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 USA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57833). 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 USA holds $17.5B in total assets and $9.4B in total deposits. It is headquartered in Las Vegas, Nevada (FDIC Certificate #57833).
Beal Bank USA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #57833 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Beal Bank USA has a Tier 1 capital ratio of 93.82%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 15.56%, and the return on assets is 13.61%.
Yes. Beal Bank USA is FDIC-insured (Certificate #57833). 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 USA'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.