Beach Cities Commercial Bank

BankIrvine, California
www.beachcitiescb.com

Total Assets

$176.7M

Total Deposits

$143.5M

Branches

2

Established

2023

TFS Health Grade

$
F

54.6 / 100

Poor financial health

How we grade

Beach Cities Commercial Bank is a bank headquartered in Irvine, California, established in 2023. With $176.7M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (54.6/100).

Capital & Safety

Tier 1 Capital Ratio
8.72%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
-0.39%(1%)
Return on Equity (ROE)
-4.04%(10%)
Net Interest Margin
3.80%
Efficiency Ratio
106.31%(60%)

Lending & Liquidity

Total Loans
$144.1M
Loan-to-Deposit Ratio
99.39%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+35.13%
Deposit Growth (YoY)
+27.12%
Net Income
$-606,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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