# BEAL BANK USA
LAS VEGAS, NV · FDIC certificate 57833 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $11.05B | |
| Deposits | $1.65B | |
| Loans and leases | $3.94B | |
| Total equity | $2.64B | |
| Loans / deposits | 235.72% (p100 of band) | 85.78% |
| Liquid assets / assets | 57.66% (p94 of band) | |
| Uninsured deposits / deposits | 46.56% (p73 of band) | 38.39% |
| Brokered deposits | 6.62% | |
| Wholesale funding | 66.38% (p98 of band) | |
| FHLB advances / assets | 30.78% | |
| Tier 1 leverage | 21.89% (p99 of band) | 10.17% |
| Unrealized securities loss / equity | 0.39% (p98 of band) | -7.43% |
| AOCI / equity | -0.35% (p49 of band) | |
| ROA (annualized) | 8.19% (p100 of band) | 1.24% |
| Net interest margin | 8.99% (p98 of band) | 3.57% |
| Efficiency ratio | 6.02% (p5 of band) | |
| Noncurrent loans | 0.78% (p60 of band) | 0.66% |
| Net charge-offs (annualized) | -1.49% (p1 of band) | |
| Reserve coverage of noncurrent | 173.18% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 15.16% (p31 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | -71.5% | |
| Employees | 203 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | loans exceed deposits |
| 2011-09 | 5 | loans exceed deposits |  |
| 2011-12 | 4 |  | loans exceed deposits |
| 2012-03 | 5 | assets shrinking |  |
| 2012-06 | 5 | capital falling | assets shrinking |
| 2012-09 | 5 | loans exceed deposits | capital falling |
| 2012-12 | 4 |  | loans exceed deposits |
| 2013-03 | 5 | charge-offs p90 |  |
| 2013-06 | 5 | loans exceed deposits | charge-offs p90 |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 |  | loans exceed deposits |
| 2014-03 | 9 | loans exceed deposits, capital falling, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 7 |  | capital falling, charge-offs p90 |
| 2014-09 | 8 | charge-offs p90 |  |
| 2014-12 | 8 |  |  |
| 2015-03 | 9 | capital falling |  |
| 2015-06 | 9 |  |  |
| 2015-09 | 7 |  | deposits shrinking, capital falling |
| 2015-12 | 10 | uninsured deposits >50%, losing money, deposits shrinking |  |
| 2016-03 | 8 | uninsured deposits leaving | uninsured deposits >50%, losing money, deposits shrinking |
| 2016-06 | 7 |  | assets shrinking |
| 2016-09 | 8 | capital falling |  |
| 2016-12 | 8 |  |  |
| 2017-03 | 5 |  | charge-offs p90, uninsured deposits leaving, capital falling |
| 2017-06 | 7 | deposits shrinking, assets shrinking |  |
| 2017-09 | 6 | capital falling | deposits shrinking, assets shrinking |
| 2017-12 | 7 | charge-offs p90 |  |
| 2018-03 | 6 |  | charge-offs p90 |
| 2018-06 | 6 | deposits shrinking | capital falling |
| 2018-09 | 6 |  |  |
| 2018-12 | 7 | uninsured deposits >50% |  |
| 2019-03 | 12 | capital falling, losing money, expense ratio p90, charge-offs p90, assets shrinking |  |
| 2019-06 | 10 | run vulnerability | deposits shrinking, capital falling, assets shrinking |
| 2019-09 | 9 | deposits shrinking, assets shrinking | losing money, expense ratio p90, run vulnerability |
| 2019-12 | 8 | run vulnerability | deposits shrinking, assets shrinking |
| 2020-03 | 7 | losing money, expense ratio p90 | uninsured deposits >50%, charge-offs p90, run vulnerability |
| 2020-06 | 7 | uninsured deposits >50%, capital falling | losing money, expense ratio p90 |
| 2020-09 | 6 | charge-offs p90 | loans exceed deposits, uninsured deposits >50% |
| 2020-12 | 6 |  |  |
| 2021-03 | 7 | uninsured deposits >50%, deposits shrinking, assets shrinking | capital falling, charge-offs p90 |
| 2021-06 | 8 | loans exceed deposits |  |
| 2021-09 | 8 |  |  |
| 2021-12 | 8 |  |  |
| 2022-03 | 5 |  | deposits shrinking, assets shrinking, loans exceed deposits |
| 2022-06 | 5 | capital falling | uninsured deposits >50% |
| 2022-09 | 7 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2022-12 | 7 |  |  |
| 2023-03 | 8 | losing money, NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 7 |  | losing money |
| 2023-09 | 6 | deposits shrinking | capital falling, uninsured deposits leaving |
| 2023-12 | 8 | charge-offs p90, assets shrinking |  |
| 2024-03 | 8 | uninsured deposits >50% | charge-offs p90 |
| 2024-06 | 7 |  | uninsured deposits >50% |
| 2024-09 | 7 |  |  |
| 2024-12 | 7 | capital falling | deposits shrinking |
| 2025-03 | 8 | losing money, expense ratio p90 | NIM <2.5% |
| 2025-06 | 7 | uninsured deposits >50%, deposits shrinking | assets shrinking, losing money, expense ratio p90 |
| 2025-09 | 8 | NIM <2.5%, assets shrinking | capital falling |
| 2025-12 | 9 | loans exceed deposits |  |
| 2026-03 | 8 | uninsured deposits leaving | uninsured deposits >50%, NIM <2.5% |
| 2026-06 | 5 |  | brokered >10%, noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-24 [Beal Bank closes sole Pittsburgh branch after 15 years - The Business Journals](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQkMycGRfZ0lBTFhmOTJka0ZCY3JvWHJhbzA5TjVkVF9HQkRBLTZvaEdEZUhYOU5SSTBOV0kzRTFZa2NtRjJOSWZpdjdLUmRGV3EteDQyZGw3TjAxN1U5cEh3WVRsRUNzN2xlaWtURUVXSDhXSWV2MEdiN3AxZGpqQXFzQUt5anJDTGI4?oc=5) · The Business Journals
- 2025-11-21 [Smaller bank has a taste for big loans - American Banker](https://news.google.com/rss/articles/CBMif0FVX3lxTE9XRy1fMzZkT09zM1pESThpM2dqUUtOOHY0Q19WUmJXMmZ3SjBnS3ZvTTZGVjZSOGVvM3UwaWhKbXlpZGs5ekJZbWZnbjlKNFMtSFBjd2tQdzJFbV9ITFVZNkNRZFJnaG5ud1VXQjBScXdsTmFBeHVYbnZFSG5OelU?oc=5) · American Banker
- 2023-04-21 [K-12 Science & Engineering Fair Brings a Different Kind of March Madness - unlv.edu](https://news.google.com/rss/articles/CBMioAFBVV95cUxQU2xtc3ZSUDFRcmh5dnVSN3RDOXVRSU5HaWNYbF85cGVlb2xtangzMVhuQzRHaE03QlpUaHVlZzh2VHB0QmRoWVR3OU05NW03Q2FoVkxMVnZ0anlQcU93eTNISkZYbXpLSXRFT3ZBYjlWbW5vRlVDZzVQTG00OF9tcU1qVG5BTGg4aVdKM2MzZ0JjZ1hXMnAtc1lsVTEydTJa?oc=5) · unlv.edu
- 2025-01-29 [Beal Bank's record year tied to Fed loans - mpamag.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOV29yZGdfd2J4X0NLeTZibm43SkJHb2dVVHdCN2VxSmZ6cFNJX0I0SWlrTFhBbFNVU0VmamUyZ3RYY3puV05DSEwxT0tHWHdGWk1rUU9ZSjlSZ0ZTa3daQVU3V1lQME5neElfeWZlVGkxUUkxVldBVlFPSU1sLU5FendfZF81TEU2R29ySWdCQQ?oc=5) · mpamag.com
- 2024-01-22 [Beal Bank Provides $637.5 million of $885.0 million in New Debt to ProFrac Holding Corp (NASDAQ: ACDC) and its Subsidiaries - PR Newswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNaFVhNl9LRFZscmFudUdNb2FyTDY0UXoxNGgyN202QTI1Ymc4bEY2OVp5S2lGNTRuc0VJcU1tY0RxRUJZam5EYm1pU0lfMENBZG5ZdUtab21tb2hyUVpsM2RmX1czalM1QjhSdlJVdzhyb3pXQS1ERzREOXBfVHNZY2pDNlRxRFJIdmw4WmFRZndrMUZBNEpOdVlHZTBDeU9Od1otelNHT25WQmhWWTBNUnVSeGJBYmFPSzhnanlZbXhlRkpMd1NoYnhBeGxRaWJQWTF3QkpQQTQyRGQxSUk2OUtIT0N2d01pZ3R4VExNY2RXaWE4TmtvMGJHVUZqMlVnX3N3aw?oc=5) · PR Newswire
- 2024-01-17 [Beal Bank USA Review: A High-Yield Savings Option for Everyone - GOBankingRates](https://news.google.com/rss/articles/CBMic0FVX3lxTE5BVDhCZzB5R2IzVTZwMXFoR0xjNXhEcTJoZDJNdjhfUUNJR010SjgwMV9rLUZPNEhHQ0VWWXdmTWctU1lIYnctSjBmUXR5OHkxdVlQUzJpelJnN3NhR1o4ZGZjOTVLVEpOYmtubUowZTZORUU?oc=5) · GOBankingRates
- 2024-07-30 [Beal Bank Increases Lending Facility to Eldorado Drilling by $275 million to $550 million for the Acquisition of the 7th Generation Drillship Draco - PR Newswire](https://news.google.com/rss/articles/CBMiqAJBVV95cUxPcDczNzVUODVKNjNXM1JfS080a29WY0xvWjN2UGV4QzFMU3Y2NHRDaWZyWkplZE9FWThISFoySmNfSTFpVW5mNW1JMjdsTDk5d3gxYmw1T0IzZFN5akNFaHlYY055Mzd3RGY1WFRYRFZrVlFWUkRPaFdZLTRyQ0ZjcmVubkpwU2NHaHJvQUhJblozZlRPbTNjczUxaXFwSldyUEdJdlBCeERVbVF2M2xsMWtTOXpRQmFJVUQ4Q2tHcVJycGVtazFpX2theU13cDB3WjVQbVFQN1Y4T3hualBVTXNuZUgxSUxHbVZrSGlFakFNaUE1U0Y4UG1BTE51Z3p2ZXVhb25Hd2hzTTRYZjV6TnNIVmxBNXZOaDFmbUwzSElPZEMwVzhibQ?oc=5) · PR Newswire
- 2017-04-07 [Coral Academy students dominate science competition - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQcGRIYVhHZHo2el9kY3BfcTNwZ1ZodFh0VVk2dEZ0VFllRTVvV3FkdzlVdW9TSkVvWVRrLVIzdDJncmk3MFFVc2xkWXBISXJ0WUJ4RndQM1BQQWItQVN2WW5kTGEyOEt2Tjd1VE5NeE1sNDRIbGxzRlUzUXY2Nk1RMkNiQ0dsR1VpZHpEUTZFNVFHeE9SYWY4SEhxUnJzQTVHQWtYbDRtM095Ym45RTVvZ0lHdw?oc=5) · Las Vegas Review-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57833 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "57833", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide