Beal Bank USA: how it compares with its peers
Against 170 U.S. banks with half to twice its assets, Beal Bank USA's strongest measure in Q2 2026 is return on assets (8.19% vs. a 1.29% peer median). Its weakest relative measure is assets per employee ($54.4M vs. $10.2M).
| Measure | Beal Bank USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 8.19% | 1.29% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 8.99% | 3.65% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 6.02% | 55.05% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $54.4M | $10.2M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 235.72% | 87.36% | Context |
What it means for lending operations
Its efficiency ratio of 6.02% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank Hapoalim B.M. New York, NY · $11.04B
- Burke & Herbert Bank & Trust Company Alexandria, VA · $10.98B
- WEX Bank Sandy, UT · $10.71B
- Washington Trust Bank Spokane, WA · $10.54B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
Questions about Beal Bank USA
How big is Beal Bank USA?
Beal Bank USA, established in 2004, is headquartered in Las Vegas, NV. It reported $11.05B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Beal Bank USA's return on assets?
8.19% annualized in Q2 2026, against a 1.29% median for 170 U.S. banks with half to twice its assets, ahead of 100% of them.
What is Beal Bank USA's efficiency ratio?
6.02% in Q2 2026: it spent about 6 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is Beal Bank USA growing its loans?
Net loans grew 10.1% over the year to Q2 2026, while deposits shrank 71.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nevada bank ranked.