At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Strong
ROA 2.55%
Is this bank safe?
BEAL BANK USA holds a Satisfactory CRA rating (2023), is financially strong (ROA +2.55%). Overall, this bank appears financially sound.
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$13.0B
Total Deposits
$3.7B
Net Loans
$4.1B
Net Income
$88M
ROA
2.55%
Above avg for Regional banks. Peer avg: 0.88%
ROE
12.33%
Risk-Based Capital
53.79%
Above avg for Regional banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Regional banksCompared to the peer-bank Regional peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
11
Branch Deposits
$5.8B
1-Year Change
0
5-year net change: -12 branches
Rating History
CRA / FFIEC| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2023 | Satisfactory | Wholesale/Limited Purpose |
| Nov 2019 | Satisfactory | Wholesale/Limited Purpose |
| Oct 2016 | Satisfactory | Wholesale/Limited Purpose |
3 previous ratings locked — back to 2006
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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