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1970 Village Center Circle, Suite 1
Las Vegas, NV 89134

Beal Bank USA is headquartered in Las Vegas and is the 2nd largest bank in the state of Nevada. It is also the 140th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 132 employees at 20 locations. Beal Bank USA's CD rates are 12% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Beal Bank USA had $421.64 million in non-current loans and owned real-estate with $2.2 billion in equity and loan loss allowances on hand to cover it. This gives Beal Bank USA a Texas Ratio of 19.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Beal Bank USA decreased slightly from 27.29% as of December 31, 2012 to 19.17% as of December 31, 2013, resulting in a positive change of 29.77%.This indicates that the balance sheet and financial strength for Beal Bank USA has improved slightly in recent periods.

Deposit Growth


In the past year, Beal Bank USA has increased its total deposits by $571.29 million, resulting in 17.46% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Beal Bank USA has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Beal Bank USA has $6.82 billion in assets with $2.2 billion in equity, resulting in a capitalization level of 32.27%, which is excellent.

Institution Statistics

FDIC Certificate #57833
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.82 billion
Loans$3.47 billion
Deposits$3.84 billion
Equity Capital$2.10 billion
Loan Loss Allowance$102.68 million
Unbacked Noncurrent Loans$320.96 million
Real Estate Owned$100.68 million
Historic Data - December 2012
Assets$6.26 billion
Equity Capital$2.11 billion
Loan Loss Allowance$99.16 million
Unbacked Noncurrent Loans$320.96 million
Real Estate Owned$130.10 million
Profit Margin - Quarterly
Net Interest Margin9.46%
Return on Assets7.6%
Return on Equity22.1%
Interest Income$591.33 million
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Beal Bank USA Savings Account Rates

0.25%--Statement Savings Account

Beal Bank USA Money Market Rates

0.30%$25k-Money Market Account

Beal Bank USA CD Rates

1.01%$1k-1 Year CD
0.81%$1k-9 Month CD
0.75%$1k-6 Month CD
0.51%$1k-3 Month CD

Beal Bank USA has 20 locations. Click to view all Beal Bank USA locations.