Bank Comparison
Mission Bank vs Beach Cities Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| CET1 Ratio | 19.06% | — |
| Tier 1 Capital Ratio | 19.06% | — |
| Total Capital Ratio | 20.02% | — |
| Tier 1 Leverage Ratio | 9.39% | 8.63% |
| Equity / Assets | 6.96% | 8.61% |
Profitability
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 0.60% | -0.34% |
| Return on Equity (ROE) | 8.78% | -3.98% |
| Net Interest Margin (NIM) | 3.17% | 3.74% |
| Yield on Earning Assets | 3.97% | 6.69% |
| Cost of Funds | 0.83% | 3.22% |
Asset quality
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| Texas Ratio | 2.49% | 0.00% |
| Non-Performing Loan Ratio | 0.25% | 0.00% |
| Non-Performing Asset Ratio | 0.10% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.17% | 0.94% |
Balance sheet
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| Total Assets | $182,236K | $182,473K |
| Total Deposits | $168,446K | $139,564K |
| Total Loans | $70,516K | $149,815K |
| Total Equity | $12,691K | $15,703K |
| Net Income (quarter) | $276 | $-152 |
Liquidity & funding
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 41.86% | 107.35% |
| Core Deposit Ratio | 95.61% | 97.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mission Bank | Beach Cities Commercial Bank |
|---|---|---|
| Headquarters City | KINGMAN | IRVINE |
| Headquarters State | AZ | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 31 | 26 |
| Established | April 30, 2001, 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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