# BEACH CITIES COMMERCIAL BANK
IRVINE, CA · FDIC certificate 59290 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $188.9M | |
| Deposits | $139.6M | |
| Loans and leases | $153.5M | |
| Total equity | $18.4M | |
| Loans / deposits | 108.97% (p96 of band) | 73.59% |
| Liquid assets / assets | 17.61% (p17 of band) | |
| Uninsured deposits / deposits | 31.40% (p84 of band) | 19.81% |
| Brokered deposits | 6.90% | |
| Wholesale funding | 22.25% (p96 of band) | |
| FHLB advances / assets | 15.35% | |
| Tier 1 leverage | 9.81% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -0.22% (p87 of band) | -6.57% |
| AOCI / equity | -0.10% (p64 of band) | |
| ROA (annualized) | -0.04% (p6 of band) | 1.17% |
| Net interest margin | 3.89% (p49 of band) | 3.93% |
| Efficiency ratio | 100.29% (p95 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 56.15% (p83 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-06 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | capital falling |  |
| 2024-03 | 3 |  | uninsured deposits >50%, NIM <2.5% |
| 2024-06 | 4 | loans exceed deposits |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | loans exceed deposits |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | wholesale funding >15% |  |
| 2026-03 | 5 | loans exceed deposits |  |
| 2026-06 | 4 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-10 [Beach Cities Commercial Bank Appoints Stephanie Bitters as Senior Vice President, Specialty Lending Manager - Business Wire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPVjN3VHdJVzlVRF9QZExabm1yQWwzTWpsWl9rRHlySGxWRHBiSnhIcGVVeVVac002S3R1X2FIV2NlbnBUaEw3MFBOM3NqNFFXMFRCTzhqVTR1MnBHclB0cC1PcHdHTUNvZGJJYTl4b1lzelp0LXB0N1g5X0hUVnI2Z0stcDlGbFA5aVBHRjh5bWE0dG1OcmNQWktreUpKd3FXYjdub1hPN0NtdGdjd0RxcUI1Q1lleXkzc2xQR0dhODRBdTMxNExlSlVNRWx0aUtfckV1cmVzWjJiX01zVzA1dzduOGpvY2FSZWlMRzBSNTFrMTFlX1E?oc=5) · Business Wire
- 2026-02-02 [Beach Cities Commercial Bank Appoints New Chief Executive Officer - Business Wire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdUxwWmo1RUZtaWJoVkZpX1V1Nndudm1lRm9taHpoQTNWUjNnVzZhLWx2MWtDd3B0N09BdmxtYVpDcEVnLTVWdlB0bmlVY1JuR2hPd01IcnN3Si1BeEUtWldfbWI4X1pWcTVPUXZtOWtMaVlsZm1pVlRXcEtUbWZRLTBwUkVaSFJ2TndaVndOUnFMYkFDemstRkZudXl2WERiU3ZRUW1YYzVfSDNKVTJ5ckRpLS1nOHhSd1ZuVnEyVQ?oc=5) · Business Wire
- 2026-02-11 [Beach Cities Commercial Bank Announces Fourth Quarter 2025 Financial Results - Business Wire](https://news.google.com/rss/articles/CBMizgFBVV95cUxQUElfZ011bDRVUElSQVJzY1Q2M25FbTRuYUN0V2pCcUFRUnpDZ002VVdDX21iYmJzQ2RpVDB5bG5BSFFmalFrYXB6aUZCRmZQNC1IRnB3d19la3VIM0wtcEJ5RHBuRTVrV0RscF9TY0Q0V2ZKSUR0WXJGSG9yZVZnZWk3bkRjZkZSNkpSRXNDUHdwS2llMzlIcEl6VDUzRXNCb3puLVJrVXdaZWdWV2YzOFBXd2J3V29sblJTMWhtN2FVVjRsZzlDWHpPYTk3Zw?oc=5) · Business Wire
- 2025-04-29 [Beach Cities Com (BCCB) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFA2SDkzYWxQc0tIcGxsUnBteHJrcnRDNTJLWEZMUTFYcHg2YjVpc1FDRWJRT2ZqWWJfV0VxOFhxam01VER6bEVQQXNoaGtUOWFYa0tZ?oc=5) · stocktitan.net
- 2023-06-06 [Could banking be entering a new era of startups? - American Banker](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRTI4XzdWc3ltcFFZY1dpSndTTWdXN0xXaFp3ekNscE1lTEQ1ODc3MUk4dGRNQ3Y4RjVwUk9jUEtLNTJYRTIwZTJlWG5kS0RJaHNpU3Q4b1hscjl1MGg3VEtmYkVVcGNfUlNXN0tvSTZKNVVQcmxWYVlBb3paaks4alJuRWNTeGRKN1B3?oc=5) · American Banker
- 2024-11-08 [Fraudulent Bank Website Scam - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5NYWxSTS0wQVc0TWpvVnpxVnpIOFZ1dnFJMUUtYTdudVhaRS1NNHNfc3pWaEE4YUd0Vjg1dUk4UktlWVk2UFd2X0JNUnctYXFEQnNFeDF5UmJGM25YcXFrZXR0Y3NuUQ?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2025-06-13 [BCCB Price History for Beach Cities Commercial Bank Stock - Barchart.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1KU2ZqbHFxWF94c2w3NlN4QVhQVkxJUWZoZERlOVJzYjBNUXdLeXViOFVSRW1YVE1ldUJ1RWVNSnN0OHk2UE5TcWRNcTBscjlsaGxEVjRZSXdxRV9UNzhNZFNVTWxGeGZC?oc=5) · Barchart.com
- 2023-12-28 [For startup banks, 2023 was an up-and-down year - American Banker](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZGdwYmxNcU9HLV9BYU56MHlYX1o2SV9lbTJ4T2UzMEtMR2doMng5MzBDZW5uUW5yQUFCTkhycUdXM3V5RjdsZG9YMFdzcjlqbzZLTTFxcUtOcmpyTGZ1dzdlMTNRVXhGMXVxTnVhUm9Jc0FkQVJyU25Rb3F3cnNUaXJrTW5zQUprREE?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59290 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "59290", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide