Beal Bank, SSB

6000 Legacy Drive
Plano, TX 75024


General Bank Information

FDIC Insured Yes
FDIC Certificate # 32574
Date Established 1988
Assets $2.07 billion
Loans $1.69 billion
Deposits $0.80 billion
Capital $1.06 billion

Beal Bank, SSB is an FDIC insured institution located in Plano, TX. It was founded in 1988 and has approximately $1.99 billion in assets. Customers can open an account via one of its 19 branches.

For a more detailed analysis of Beal Bank, SSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Beal Bank, SSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in Texas, Beal Bank, SSB has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 64.84
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.99
Construction and Development Loans 0.16
Commercial Real Estate 1.80
Commercial and Industrial Loans 15.33
Farm Loans 0.00

Savings Rates

Your Current Location: New York, NY 10007

3 Mo CD 10K 0.31% $1,000 - Learn MoreShow Less
6 Mo CD 10K 0.51% $1,000 - Learn MoreShow Less
12 Mo CD 10K 0.66% $1,000 - Learn MoreShow Less
18 Mo CD 10K 0.71% $1,000 - Learn MoreShow Less
24 Mo CD 10K 0.81% $1,000 - Learn MoreShow Less
30 Mo CD 10K 0.81% $1,000 - Learn MoreShow Less
36 Mo CD 10K 0.81% $1,000 - Learn MoreShow Less
48 Mo CD 10K 0.81% $1,000 - Learn MoreShow Less
60 Mo CD 10K 1.25% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.25% $500 - Learn MoreShow Less
Fixed IRA 0K 0.66% $1,000 - Learn MoreShow Less
MM 10K 0.20% $1,000 $24,999 Learn MoreShow Less
MM 25K 0.30% $25,000 - Learn MoreShow Less

Loan Rates

Your Current Location: New York, NY 10007

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Financial Details

Beal Bank, SSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beal Bank, SSB. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Beal Bank, SSB U.S. Bank Average
29.28% 8.56%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2015, Beal Bank, SSB had $255,881,000 in non-current loans and $64,393,000 in owned real estate. To cover these potential losses it had $1,062,657,000 in equity and $31,295,000 in loans loss reserves. That gives it a Texas Ratio of 29.28%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Beal Bank, SSB U.S. Bank Average
8.92% 9.74%

Beal Bank, SSB has a Return on Equity of 8.92% versus the BestCashCow average of 9.74%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Beal Bank, SSB U.S. Bank Average
51.36% 11.23%

Beal Bank, SSB has a Capitalization of 51.36% versus the BestCashCow average of 11.23%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Beal Bank, SSB Balance Sheet Analysis

As of March 31, 2015, Beal Bank, SSB had assets of $1,988,355,000, loans of $1,687,512,000, and deposits of $802,687,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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