Beach Cities Commercial Bank
Irvine, CA
IDRSSD: 5805424
Total Assets
$176.74M
Latest filing
Total Deposits
$143.51M
Latest filing
Net Interest Margin
3.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Beach Cities Commercial Bank
100 Progress
Irvine, CA 92618
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/12/2023FDIC Certificate 638612
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Beach Cities Commercial Bank (Main) | 100 Progress | Irvine, CA |
| ENCINITAS BRANCH | 171 Saxony Rd | Encinitas, CA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/12/2023 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 92618 |
| State and County Number | 06059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Los Angeles-Long Beach-Anaheim, CA |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 06/12/2023 |
| Primary Insurance Agency | DIF |
| Website | www.beachcitiescb.com |
| Data Updated | 01/30/2026 |
| CERT | 59290 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $176.74M |
| Total Deposits | $143.51M |
| Total Liabilities | $161.90M |
| Total Equity Capital | $14.84M |
| Net Income | $-118,000 |
| Net Loans and Leases | $142.64M |
| Assets Per Employee ($Millions) | $7.07M |
| Bank Premises and Fixed Assets | $1.14M |
| Cash and Balances due from Depository Institutions | $28.31M |
| Deposits Held in Domestic Offices | $143.51M |
Key Performance Ratios
| Return on Assets (ROA) | -0.28% |
| Return on Equity (ROE) | -3.17% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 98.66% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.34% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.395% |
| Earning Assets to total Assets | 97.41% |
Income and Expense
| Total Interest Income | $2.86M |
| Total Noninterest Income | $52.00k |
| Total Interest Expense | $1.28M |
| Total Noninterest Expense | $1.62M |
| Net Interest Income | $1.59M |
| Pre-tax Net Operating Income | $-118,000 |
| Provision for Credit Losses | $140.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.39M |
| Total Liabilities and Capital | $176.74M |
Securities
| Securities | $2.29M |
| Available-for-sale debt securities | $2.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Beach Cities Commercial Bank?
$176.74M as of the latest filing.
How much are Beach Cities Commercial Bank's total deposits?
$143.51M in total deposits.
Where is Beach Cities Commercial Bank located?
Irvine, CA.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
2.
When was it established?
06/12/2023.
What is the Return on Assets (ROA)?
-0.28%.
How much are total loans and leases?
$142.64M (latest filing).
What is the total interest income (latest filing)?
$2.86M.