Bank Comparison
Hatch Bank vs Beach Cities Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 5
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| CET1 Ratio | 30.76% | — |
| Tier 1 Capital Ratio | 30.76% | — |
| Total Capital Ratio | 32.02% | — |
| Tier 1 Leverage Ratio | 22.73% | 8.63% |
| Equity / Assets | 20.93% | 8.61% |
Profitability
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 4.75% | -0.34% |
| Return on Equity (ROE) | 23.15% | -3.98% |
| Net Interest Margin (NIM) | 5.29% | 3.74% |
| Yield on Earning Assets | 7.22% | 6.69% |
| Cost of Funds | 2.67% | 3.22% |
Asset quality
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| Texas Ratio | 0.71% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 1.15% | 0.00% |
| ACL / Loans | 1.94% | 0.94% |
Balance sheet
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| Total Assets | $186,754K | $182,473K |
| Total Deposits | $57,074K | $139,564K |
| Total Loans | $120,249K | $149,815K |
| Total Equity | $39,083K | $15,703K |
| Net Income (quarter) | $2,199K | $-152 |
Liquidity & funding
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 210.69% | 107.35% |
| Core Deposit Ratio | 100.00% | 97.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hatch Bank | Beach Cities Commercial Bank |
|---|---|---|
| Headquarters City | SAN MARCOS | IRVINE |
| Headquarters State | CA | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 26 | 26 |
| Established | Jan. 2, 1982, midnight | June 12, 2023, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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