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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Nevada, the state note

Beal Bank USA

Las Vegas, Nevada · $11.05B in assets · beside the 11 other the Mountain West banks over $10B (the state alone holds too few in the band to rank)

The filing

239.0%
Loans / deposits
12th of 12
23.9%
Equity / assets
1st of 12
8.92%
ROA
1st of 12

Beal Bank USA is the eleventh largest of the 12 the Mountain West banks nearest its size over $10B, with $11.05B in assets at 30 June 2026. Loans are 239.0% of deposits, the highest in the cohort against a median of 89.5%, and equity is 23.9% of assets, the highest in the cohort. Loans grew +10.8% in the year, 8th of 12, and deposits fell 71.5%; the cohort's median loan growth is +15.6%.

Noncurrent loans are 0.78% of the book, 9th of 12 against a median of 0.52%; 1.53% is 30 to 89 days past due, and the allowance covers them 1.7 times. Commercial real estate is 43.0% of loans, 11th of 12 against a median of 7.1%, and 64% of capital, below the 300% screen, with construction at 15% against the 100% screen. CRE has grown +73.9% over 36 months, past the guidance's 50% prong.

Return on assets is 8.92%, the highest in the cohort against a median of 1.84%, on an efficiency ratio of 6.0%, the lowest in the cohort. Five years ago it was 5.51%. The question is what the capital is for: the balance sheet carries less risk than it could.

Loans as a share of depositsMountain West banks over $10B · 30 June 2026 · lower is stronger, listed first
median 89.5% WB Wex Bank 55.4% OB Optum Bank Inc 60.2% HB Happen Bank National Association 64.9% TF Toyota Financial Savings Bank 65.0% FI First Interstate Bank 65.7% GB Glacier Bank 86.1% NB NBH Bank 92.8% SB Sofi Bank National Association 99.9% SM Sallie Mae Bank 103.9% CC Comenity Capital Bank 107.2% BB BMW Bank of North America 107.5% BB Beal Bank USA 239.0%
Loans, year over yearMountain West banks over $10B · 30 June 2026 · no better direction, largest first
median +15.6% TF Toyota Financial Savings Bank +59.4% SB Sofi Bank National Association +54.1% NB NBH Bank +30.5% OB Optum Bank Inc +25.3% HB Happen Bank National Association +16.9% WB Wex Bank +16.0% GB Glacier Bank +15.2% BB Beal Bank USA +10.8% BB BMW Bank of North America +8.6% CC Comenity Capital Bank +8.3% SM Sallie Mae Bank -7.0% FI First Interstate Bank -14.4%

SBA 7(a), FY2008 to FY2026

Beal Bank USA is the 168th largest 7(a) lender into California of 512, with $22M across 28 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 41 of its 41 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Gwinnett, GA$8M59th of 1690.3%quiet FY2008
San Diego, CA$5M96th of 2380.1%quiet FY2008
Orange, CA$5M115th of 2560.1%quiet FY2008
Riverside, CA$4M87th of 2190.1%quiet FY2008
San Bernardino, CA$3M109th of 2130.1%quiet FY2009
Salt Lake, UT$3M78th of 1640.1%quiet FY2008
Davis, UT$2M44th of 1010.4%quiet FY2008
Tooele, UT$2M16th of 511.9%quiet FY2009
Summit, UT$2M22nd of 561.1%quiet FY2008
Pemiscot, MO$2M1st of 642.9%quiet FY2008
Douglas, GA$2M34th of 830.6%quiet FY2008
Duchesne, UT$2M6th of 243.4%quiet FY2008
Santa Clara, CA$1M125th of 1870.1%quiet FY2008
28 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services29$21M36.7%0.03%378th of 2,596
Retail trade24$13M23.0%0.02%415th of 2,589
Other services9$6M10.9%0.02%469th of 2,248
Manufacturing7$4M7.6%0.01%755th of 2,246
Health care & social assistance5$3M5.0%0.01%746th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Beal Bank USA
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans BB Beal Bank USA 0.0% $22M · 28 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Beal Bank USARankCohort median
Total CRE against capital, the 300% screen64%8th of 1235%
Construction against capital, the 100% screen15%9th of 122%
Construction and land development, share of loans10.2%11th of 120.6%
Non-owner-occupied nonfarm nonresidential, share of loans32.8%11th of 126.3%
Total CRE, the guidance definition, share of loans43.0%11th of 127.1%
CRE growth over 36 months, the third prong+73.9%8th of 11+34.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Sofi Bank National Association$56.82B1.9%67.3%0.08%0.07%0.1%99.9%12.8%
Glacier Bank$31.58B1.2%60.5%0.42%0.08%1.2%86.1%13.7%
Sallie Mae Bank$28.54B2.8%33.0%0.65%1.91%6.4%103.9%10.2%
First Interstate Bank$25.79B1.2%59.7%1.12%0.17%1.3%65.7%12.6%
Optum Bank Inc$21.43B2.5%29.2%0.21%0.22%0.9%60.2%14.8%
Toyota Financial Savings Bank$16.79B0.4%80.3%0.20%0.18%1.2%65.0%10.2%
Comenity Capital Bank$13.86B1.7%56.2%3.21%7.47%11.4%107.2%13.0%
BMW Bank of North America$13.80B2.2%17.1%0.09%0.19%0.5%107.5%12.8%
NBH Bank$12.54B1.0%67.9%0.60%0.29%1.1%92.8%13.3%
Happen Bank National Association$12.48B1.8%74.4%0.82%2.07%2.7%64.9%11.5%
Beal Bank USA$11.05B8.9%6.0%0.78%-4.85%1.4%239.0%23.9%
Wex Bank$10.71B4.0%57.3%0.44%1.69%1.3%55.4%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Beal Bank USACohort median
20212026Change20212026Change
Loans$3.08B$3.94B+28%$3.76B$10.09B+169%
Deposits$2.81B$1.65B-41%$6.34B$12.64B+99%
NPA / loans15.54%0.78%-14.75 pts0.45%0.52%+0.07 pts
Efficiency39.4%6.0%-33.4 pts52.4%58.5%+6.1 pts
ROA5.51%8.92%+3.40 pts1.75%1.84%+0.09 pts

This read was prepared for Beal Bank USA's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Beal Bank USA is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks over $10B
Institution www.bealbankUSA.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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