Beach Cities Commercial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.65 percentage points higher than in Q1 2026, at 110.00%. Beach Cities Commercial Bank ranks 97th of 114 California banks on return on assets, in the lower half at 0.24% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Beach Cities Commercial Bank reported 0.24% on return on assets in Q2 2026, 1.01 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.81% |
| Equity capital to assets | 9.75% |
| Tangible equity to tangible assets | 9.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.24% |
| Return on equity | 2.63% |
| Net interest margin | 3.95% |
| Efficiency ratio | 93.10% |
| Yield on earning assets | 6.89% |
| Cost of funds | 3.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 110.00% |
| Core deposits to total deposits | 87.67% |
| Brokered deposits to total deposits | 9.34% |
| Deposits to assets | 73.89% |
| Securities to assets | 1.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 56.67% | -16.35% | 3.72% | 0.00% | 0.00% |
| Q4 2023 | 45.33% | -12.25% | 4.49% | 0.00% | 0.00% |
| Q1 2024 | 34.86% | -10.09% | 4.87% | 0.00% | 0.00% |
| Q2 2024 | 23.49% | -6.80% | 4.13% | 0.00% | 0.00% |
| Q3 2024 | 18.47% | -4.51% | 4.25% | 0.00% | 0.00% |
| Q4 2024 | 14.15% | -3.68% | 3.93% | 0.00% | 0.00% |
| Q1 2025 | 11.20% | -0.72% | 3.71% | 0.00% | 0.00% |
| Q2 2025 | 9.55% | -0.68% | 3.92% | 0.00% | 0.00% |
| Q3 2025 | 9.28% | 0.04% | 3.91% | 0.00% | 0.00% |
| Q4 2025 | 8.72% | -0.28% | 3.82% | 0.00% | 0.00% |
| Q1 2026 | 8.63% | -0.34% | 3.74% | 0.00% | 0.00% |
| Q2 2026 | 9.81% | 0.24% | 3.95% | 0.00% | 0.00% |
Beach Cities Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beach Cities Commercial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)