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Beach Cities Commercial Bank
Irvine, CA · FDIC Certificate #59290 · Chartered 06/1
Total assets
$188.87M
Total deposits
$139.56M
Total equity
$18.41M
Net loans
$152.07M
Branches (offices)
2
Net income (YTD)
-$40.00K
Rank: #3,055 of 4,213 U.S. banks by assets · #103 of 115 in California. Assets changed 16.2% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.04% |
| Return on equity | -0.49% |
| Net interest margin (YTD) | 3.89% |
| Equity to assets | 9.75% |
| Tier 1 leverage ratio | 9.81% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 109.0% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $132.57M | 87.2% | |
| Commercial & industrial | $20.94M | 13.8% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $10.34M | 6.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2023 | $34.94M | $10.97M | -$1.56M | $21.98M |
| Jun 2024 | $81.24M | $61.34M | -$2.55M | $17.05M |
| Jun 2025 | $162.49M | $133.04M | -$503.00K | $14.93M |
| Jun 2026 | $188.87M | $139.56M | -$40.00K | $18.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $139.56M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $139.56M.
Similar-sized banks
Highlands Community Bank ($188.92M) · Community Bank ($188.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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