BEACH CITIES COMMERCIAL BANK

Latest Report: 2025-12-31

BEACH CITIES COMMERCIAL BANK is asn small FDIC-insured commercial bank headquartered in IRVINE, CA, established in June 12, 2023, midnight. As of 2025-12-31, the bank reported total assets of $177M and total deposits of $144M. Profitability stands at -0.28% ROA and -3.17% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 8.30%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59290.

Assets

$177M

Deposits

$144M

Loans

$144M

Equity

$15M

Profitability

Return on Assets (ROA) -0.28%

Return on Equity (ROE) -3.17%

Net Interest Margin (NIM) 4.14%

Yield on Assets 7.47%

Cost of Funds 3.42%

Asset Quality

NPL Ratio 0.00%

Net Charge-Off Ratio --

Texas Ratio 0.00%

NPA Ratio 0.00%

ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 8.30%

Tier 1 Capital 8.30%

Total Capital Ratio 8.71%

Leverage Ratio 8.72%

Loan-to-Deposit 100.38%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history

Excel tearsheet exports

Peer benchmarking

Risk & failure probability

Create Free Account

No credit card required