Beach Cities Commercial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 34.66 percentage points lower than in Q1 2026, at 253.27%. Among 114 California banks, Beach Cities Commercial Bank sits 11th from the top on loan-to-deposit ratio, 110.00% as of Q2 2026. Beach Cities Commercial Bank reported 110.00% on loan-to-deposit ratio for Q2 2026, 29.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.5M |
| Net loans and leases | $152.1M |
| Loans held for sale | $19.7M |
| Loans to total assets | 81.28% |
| Loan-to-deposit ratio | 110.00% |
| Net loans to equity capital | 8.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.45% |
| Multifamily (5+ residential) | 8.78% |
| Commercial and industrial | 13.64% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.27% |
| Construction concentration (Tier 1 capital + allowance) | 52.70% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.46% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $8.2M | $16.5M | 5.02% | 94.98% | 0.00% |
| Q4 2023 | $22.1M | $25.9M | 39.94% | 51.38% | 0.00% |
| Q1 2024 | $40.0M | $41.0M | 30.38% | 64.80% | 0.00% |
| Q2 2024 | $63.2M | $61.3M | 36.91% | 47.32% | 0.00% |
| Q3 2024 | $78.1M | $75.8M | 37.70% | 48.58% | 0.00% |
| Q4 2024 | $105.6M | $112.9M | 58.44% | 20.49% | 0.00% |
| Q1 2025 | $123.5M | $132.1M | 54.44% | 25.38% | 0.00% |
| Q2 2025 | $131.3M | $133.0M | 56.47% | 15.39% | 0.00% |
| Q3 2025 | $128.1M | $132.0M | 59.94% | 14.33% | 0.00% |
| Q4 2025 | $144.1M | $143.5M | 61.06% | 14.70% | 0.00% |
| Q1 2026 | $149.8M | $139.6M | 60.28% | 13.28% | 0.00% |
| Q2 2026 | $153.5M | $139.6M | 59.45% | 13.64% | 0.00% |
Beach Cities Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Beach Cities Commercial Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Beach Cities Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59290) · FFIEC NIC profile (RSSD 5805424)