Beach Cities Commercial Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 3.95%, the biggest move on this page. Within California, Beach Cities Commercial Bank is 43rd of 114 on net interest margin, 3.95% as of Q2 2026, above the middle of the field. At 3.95%, Beach Cities Commercial Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.89% |
| Yield on loans | 7.46% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.10% |
| Cost of interest-bearing deposits | 3.64% |
| Cost of interest-bearing liabilities | 3.64% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.40% | 3.97% | 3.72% | 10.27% | 3.31% |
| Q4 2023 | 6.57% | 3.79% | 4.49% | 8.18% | 5.34% |
| Q1 2024 | 7.25% | 3.69% | 4.87% | 8.50% | 5.30% |
| Q2 2024 | 7.36% | 4.27% | 4.13% | 8.00% | 5.27% |
| Q3 2024 | 7.66% | 4.18% | 4.25% | 8.12% | 4.93% |
| Q4 2024 | 7.31% | 3.84% | 3.93% | 7.88% | 4.50% |
| Q1 2025 | 7.09% | 3.62% | 3.71% | 7.59% | 4.45% |
| Q2 2025 | 7.25% | 3.66% | 3.92% | 7.72% | 4.42% |
| Q3 2025 | 7.31% | 3.73% | 3.91% | 7.94% | 4.00% |
| Q4 2025 | 6.90% | 3.48% | 3.82% | 7.50% | 3.86% |
| Q1 2026 | 6.69% | 3.11% | 3.74% | 7.26% | 4.59% |
| Q2 2026 | 6.89% | 3.10% | 3.95% | 7.46% | 4.34% |
Beach Cities Commercial Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Beach Cities Commercial Bank, freeSource: Call Report Schedules RI and RC-K, 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)