Beal Bank USA


1970 Village Center Cir, Ste 1
Las Vegas, NV 89134
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Beal Bank USA is an FDIC insured institution located in Las Vegas, NV. It was founded in 2004 and has approximately $5.71 billion in assets. Customers can open an account at one of its 24 branches.

FDIC Insured Yes
FDIC Certificate # 57833
Date Established 2004
Assets $ 5.71 billion
Loans $ 2.98 billion
Deposits $ 2.81 billion
Capital $ 2.55 billion

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

Deposit Rates - October 18, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 18, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Beal Bank USA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.152% 3.125%
0.38 points
$875 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Beal Bank USA
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Financial Details

Beal Bank USA Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Beal Bank USA. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Beal Bank USA U.S. Bank Average
34.11% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Beal Bank USA had $478,775,000 in non-current loans and $426,348,000 in owned real estate. To cover these potential losses it had $2,552,840,000 in equity and $100,555,000 in loans loss reserves. That gives it a Texas Ratio of 34.11%.

Return on Equity
Beal Bank USA U.S. Bank Average
12.61% 11.29%

Beal Bank USA has a Return on Equity of 12.61% versus the BestCashCow average of 11.29%. 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 USA U.S. Bank Average
44.71% 11.72%

Beal Bank USA has a Capitalization of 44.71% versus the BestCashCow average of 11.72. 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 USA Balance Sheet Analysis

As of June 30, 2021, Beal Bank USA had assets of $5,709,661,000, loans of $2,981,243,000, and deposits of $2,806,324,000. 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.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 315.96 million
Interest-bearing balances $ 248.32 million
Total securities $ 1,051.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.98 billion
Loan loss allowance $ 100.56 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 426.35 million
Goodwill and other intangibles N.A.
All other assets $ 934.16 million
     Total Assets $ 3.16 billion
Total deposits $ 2.81 billion
      Interest-bearing deposits $ 2.80 billion
      Deposits held in domestic offices $ 2.81 billion
      % insured (estimated) 58.11%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 307.79 million
Subordinated debt N.A.
All other liabilities $ 42.71 million
      Total Liabilities $ 3.16 billion
      Shareholders’ Equity $ 2.55 billion

Summary Income Statement

June 30, 2021
Total Interest Income $ 155.53 million
Total Interest Expense $ 5.57 million
Net interest income $ 149.97 million
Provision for loan and lease losses N.A.
Total non interest income $ 179.70 million
Total non interest expense $ 130.05 million
Pre-tax Net Operating Income $ 203.52 million

Bank Loan Profile?

The top three loan types in Beal Bank USA’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Nevada, Beal Bank USA has a significantly higher percent of Commercial and Industrial Loans 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 4.23
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.41
Construction and Development Loans 0.29
Commercial Real Estate 27.15
Commercial and Industrial Loans 69.06
Farm Loans 0.00

Frequently Asked Questions About Beal Bank Usa

Branches and Savings

Is Beal Bank Usa FDIC insured?

Yes. It is covered under FDIC Certificate #57833.

Why does Beal Bank Usa pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Beal Bank Usa CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Beal Bank Usa a commercial bank?


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Does Beal Bank Usa offer mortgages?

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Does Beal Bank Usa offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Beal Bank Usa offer personal loans?

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Does Beal Bank Usa offer student loans?

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Background on The Bank

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Customer Reviews for Beal Bank USA

  • February 9, 2021 |

    The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed.

  • July 2, 2019 |

    I recently bought a Beal Bank cd through my stock broker. It matured about a week ago. I never received any interest on it.

  • December 11, 2018 |

    Good service.

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