BlastPoint's Banking Scorecard
Beal Bank USA
Mid-Market
Specialty: Commercial
NV
FDIC cert 57833
Las Vegas, NV
201
banks in Mid-Market tier nationally
3 in NV
View Mid-Market leaderboard (NV) →
Beal Bank USA has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.18% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Mid-Market
- - Cost Spiral: Bottom 1% in Mid-Market
- - Deposit Outflow: Bottom 34% in Mid-Market
- - Capital Constraint: Bottom 100% in Mid-Market
- - Net Interest Margin 1.18% below tier
- - Delinquency Rate 2.11% above tier
- - Non-Interest-Bearing Deposit Share 18.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.5B
-10.5% YoY
-11.8% QoQ
|
+$4.1B |
$10.5B
+2.9% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$3.9B
+34.1% YoY
+12.2% QoQ
|
-$3.2B |
$7.1B
+4.5% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$3.6B
-59.7% YoY
-30.0% QoQ
|
-$5.0B |
$8.5B
+3.0% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.63%
-88.7% YoY
+143.5% QoQ
|
-0.53% |
1.16%
+9.4% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.22%
+92.5% YoY
-2.0% QoQ
|
-1.18% |
3.40%
+7.9% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
37.43%
+320.5% YoY
-28.3% QoQ
|
-19.18% |
56.60%
-3.2% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
2.79%
-79.1% YoY
+5.5% QoQ
|
+2.11% |
0.68%
+12.0% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 4% in tier |
| Loan-to-Deposit Ratio ? |
110.62%
+233.0% YoY
+60.4% QoQ
|
+25.15% |
85.47%
+1.1% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.69%
+125.6% QoQ
|
-18.95% |
20.64%
-0.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.79%
-67.8% YoY
+33.1% QoQ
|
+0.29% |
0.50%
+7.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
53.51%
-24.7% YoY
-7.6% QoQ
|
+39.96% |
13.55%
+1.8% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
-0.65%
-108.2% YoY
+15.0% QoQ
|
-1.61% |
0.96%
+7.1% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Mid-Market
Why this stands out
Current:
37.43%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (7)
Liquidity Overhang
risk
#1 of 26 · Bottom 1% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
53.51%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
110.62%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#1 of 7 · Bottom 1% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
37.43%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Deposit Outflow
decline
#12 of 33 · Bottom 34% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#9 of 9 · Bottom 100% in Mid-Market
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
110.62%
(Tier: 85.47%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
53.51%
(Tier: 13.55%, National: 9.75%)
9 of 9 Mid-Market banks match
·
57 nationally
→ Stable
-1 banks QoQ
Net Interest Margin
metric
Bottom 10%
in Mid-Market
Why this stands out
Current:
2.22%
(Tier avg: 3.40%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
2.79%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
1.69%
(Tier avg: 20.64%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Efficiency Ratio
Current: 37.43% · Tier avg: 56.60%
79
79th pctile
Total Assets
Current: $14.5B · Tier avg: $10.5B
22
22th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
20
20th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
15
15th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
10
10th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.40%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 1.69% · Tier avg: 20.64%
5
5th pctile
Loan-to-Deposit Ratio
Current: 110.62% · Tier avg: 85.47%
4
4th pctile
Delinquency Rate
Current: 2.79% · Tier avg: 0.68%
1
1th pctile
Total Deposits
Current: $3.6B · Tier avg: $8.5B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $3.6B · Tier avg: $8.5B
4
4th pctile
Delinquency Rate
Current: 2.79% · Tier avg: 0.68%
5
5th pctile
Loan-to-Deposit Ratio
Current: 110.62% · Tier avg: 85.47%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 1.69% · Tier avg: 20.64%
10
10th pctile
Net Interest Margin
Current: 2.22% · Tier avg: 3.40%
15
15th pctile
Total Loans
Current: $3.9B · Tier avg: $7.1B
20
20th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
79
79th pctile
Total Assets
Current: $14.5B · Tier avg: $10.5B
92
92th pctile
Efficiency Ratio
Current: 37.43% · Tier avg: 56.60%