Beach Cities Commercial Bank
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Data as of · sourced from FFIEC call reports. How we update
Beach Cities Commercial Bank is an FDIC-insured commercial bank headquartered in Irvine, CA, established in 2023 (FDIC certificate 59290), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $188.9M, up 16.2% from Q2 2025, the 101st largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.81% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59290
- Headquarters
- Irvine, CA
- Established
- 2023
- Total assets, Q2 2026
- $188.9M
- Assets vs Q2 2025
- +16.2%
- Tier 1 leverage ratio, Q2 2026
- 9.81%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122245374
- Latest call report
- Q2 2026, FFIEC 051 · Beach Cities Commercial Bank call report
- Asset rank in state
- 101st of 113 in California
Beach Cities Commercial Bank spends more to run itself than most banks of its size. The Irvine, California bank had $189 million in assets at June 30, 2026, up 16.2% from a year earlier. It earns about $0.24 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 16.9% and deposits rose 4.9%. Funding is the softer spot: it pays an average of 3.10% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Beach Cities Commercial Bank reported a return on assets of 0.24%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Beach Cities Commercial Bank ranks as the 101st largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $188.9M, loans rose 2.5% and deposits were flat. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 42.6% of total loans, followed by non-owner-occupied commercial real estate loans at 16.9%. Its 2 offices in the FDIC Summary of Deposits are in Irvine, CA and Encinitas, CA; its Irvine office books 80% of its branch deposits. Judged on its Q2 2026 call report, Beach Cities Commercial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Progress, Irvine, CA 92618
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 12, 2023
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $139.6M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $185.6M
- Average total loans
- $153.8M
- Average interest-bearing deposits
- $130.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 12, 2023
- FDIC Cert
- 59290
- Fed RSSD
- 5805424
- Website
- www.beachcitiescb.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Beach Cities Commercial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Beach Cities Commercial Bank's total assets ran between $39.3M (Q3 2023) and $188.9M (Q2 2026), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.9M total assets against $162.5M; $170.5M total liabilities against $147.6M.
$152.1M net loans and leases against $130.1M; $139.6M total deposits against $133.0M.
$2.3M securities against $999K; $31.0M cash and balances due against $27.6M.
$3.2M total interest income against $2.7M; $1.3M total interest expense against $1.3M.
$1.8M net interest income against $1.5M.
$235K total noninterest income against $200K; $1.9M total noninterest expense against $1.9M.
$28K provision for credit losses against $64K.
$112K net income against -$261K.
0.24% return on assets against -0.68%; 3.95% net interest margin against 3.92%.
9.81% tier 1 leverage ratio against 9.55%.
Inside the full Beach Cities Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Beach Cities Commercial Bank rankings
Its closest position to the top of a national ranking is 3,043 of 4,196, for total assets; its furthest is 3,544 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.51% (Q3 2024) to 0.24% (Q2 2026) and its net interest margin ran from 3.71% (Q1 2025) to 4.25% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.81% | 0.24% | 0.00% | 0.00% | 3.95% |
| Q1 2026 | 8.63% | -0.34% | 0.00% | 0.00% | 3.74% |
| Q4 2025 | 8.72% | -0.28% | 0.00% | 0.00% | 3.82% |
| Q3 2025 | 9.28% | 0.04% | 0.00% | 0.00% | 3.91% |
| Q2 2025 | 9.55% | -0.68% | 0.00% | 0.00% | 3.92% |
| Q1 2025 | 11.20% | -0.72% | 0.00% | 0.00% | 3.71% |
| Q4 2024 | 14.15% | -3.68% | 0.00% | 0.00% | 3.93% |
| Q3 2024 | 18.47% | -4.51% | 0.00% | 0.00% | 4.25% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Beach Cities Commercial Bank (main office) | Irvine , CA | 92618 | $111.7M |
| Encinitas Branch | Encinitas , CA | 92024 | $27.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 144 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $14.5M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Beach Cities Commercial Bank
What are Beach Cities Commercial Bank's total assets?
As of the Q2 2026 filing, Beach Cities Commercial Bank reported total assets of $188.9 million in its FFIEC call report.
Where is Beach Cities Commercial Bank headquartered?
It is headquartered in Irvine, CA, United States.
When was Beach Cities Commercial Bank founded?
It was established in 2023, per the FDIC institution directory.
Is Beach Cities Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59290). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Beach Cities Commercial Bank?
Beach Cities Commercial Bank's primary federal regulator is the FDIC.
How many branches does Beach Cities Commercial Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Beach Cities Commercial Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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