Beach Cities Commercial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Beach Cities Commercial Bank of Irvine, CA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.24% | 1.35% | -1.11% | 7th bottom |
| ROAE | 2.63% | 13.33% | -10.70% | 8th bottom |
| Net Interest Margin | 3.95% | 3.93% | +0.02% | 50th above |
| Efficiency Ratio | 93.10% | 61.13% | +31.97% | 5th bottom |
| PPNR / Avg Assets | 0.30% | 1.68% | -1.38% | 5th bottom |
| Yield on Earning Assets | 6.89% | 5.67% | +1.22% | 94th top |
| Cost of Funds | 3.10% | 1.88% | +1.22% | 4th bottom |
| Net Interest Spread | 3.25% | 3.32% | -0.07% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| Texas Ratio | 0.00% | 7.34% | -7.34% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.81% | 12.14% | -2.33% | 27th below |
| Equity / Assets | 9.75% | 11.37% | -1.62% | 40th below |
| TCE / Tangible Assets | 9.62% | 11.08% | -1.46% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 110.00% | 80.66% | +29.34% | 3rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.67% | 86.85% | +0.82% | 42nd below |
| Wholesale Funding Ratio | 15.35% | 5.03% | +10.32% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.23% | 6.84% | +9.39% | 92nd top |
| Loan Growth (Y/Y) | 16.88% | 7.92% | +8.96% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 6.29% | -1.39% | 57th above |
See Beach Cities Commercial Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Beach Cities Commercial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Beach Cities Commercial Bank profile, how to read a UBPR, or how this data updates.