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Overview / Commentary
702-598-3500
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 156th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 135 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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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Beal Bank USA had $399.61 million in non-current loans and owned real-estate with $2.25 billion in equity and loan loss allowances on hand to cover it. This gives Beal Bank USA a Texas Ratio of 17.74% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Beal Bank USA decreased slightly from 23.29% as of March 31, 2013 to 17.74% as of March 31, 2014, resulting in a positive change of 23.84%.This indicates that the balance sheet and financial strength for Beal Bank USA has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Beal Bank USA has decreased its total deposits by -$263.05 million, resulting in -7.62% 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 below average.

Capitalization

GRADE:
A+

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 $6.23 billion in assets with $2.25 billion in equity, resulting in a capitalization level of 36.16%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57833
Year Established2004
Employees135
Primary RegulatorFDIC
Assets and Liabilities
Assets$6.23 billion
Loans$3.43 billion
Deposits$3.19 billion
Equity Capital$2.16 billion
Loan Loss Allowance$95.80 million
Unbacked Noncurrent Loans$295.93 million
Real Estate Owned$103.68 million
Historic Data - March 2013
Assets$6.63 billion
Equity Capital$2.23 billion
Loan Loss Allowance$107.35 million
Unbacked Noncurrent Loans$295.93 million
Real Estate Owned$103.92 million
Profit Margin - Quarterly
Net Interest Margin8.52%
Return on Assets6.91%
Return on Equity21.19%
Interest Income$137.61 million
Rates
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Beal Bank USA Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Statement Savings Account

Beal Bank USA Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$25k-Money Market Account

Beal Bank USA CD Rates

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

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