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Beach Cities Commercial Bank

Irvine, CA · Cert 59290

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beach Cities Commercial Bank

Irvine, CA · Cert 59290

State charter, non-member · FDIC · 2 branches

Q2 2026

$188.9MAssets
$153.5MLoans
$139.6MDeposits
$18.4MEquity
Loan mix
87%RE $129.9M13%C&I $19.9M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $120.9M13%Noninterest $18.7MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #88 of 107 inst. · $0.1B of $667.8B

0.1% Orange
0.0% San Diego

Executive Summary

  • Earnings: ROA of -0.04%, up 63 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.81%, up 26 bps from a year ago.
  • Funding: loans stand at 110.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-0.04%+63 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+28 bps YoY

Efficiency Ratio (YTD, annualized)

100.29%-1,361 bps YoY

Tier 1 Leverage Ratio

9.81%+26 bps YoY

NIM

5.89%Q2 ’246.49%Q2 ’256.59%Q2 ’26-3%+8%

Non-interest income vs. expense

9.43%Q2 ’244.65%Q2 ’254.09%Q2 ’26-57%-7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-6.54%-5.40%-0.68%-0.67%-0.43%-0.39%-0.34%-0.04%+63 bps
Return on Equity-26.65%-26.31%-6.39%-6.67%-4.32%-4.04%-3.98%-0.49%+618 bps
Net Interest Margin3.34%2.97%3.56%3.46%3.50%3.42%3.69%3.74%+28 bps
Efficiency Ratio236%208%116.50%113.90%108.98%106.31%108.74%100.29%-1,361 bps
Non-Interest Burden7.90%6.31%4.28%4.02%3.85%3.65%4.02%3.75%-28 bps
Growth
Asset Growth (YoY)147.09%172.72%148.18%100.02%61.28%35.13%18.61%16.23%-8,379 bps
Loan Growth (YoY)848%378%209%107.87%63.97%36.35%21.32%16.88%-9,099 bps
Deposit Growth (YoY)359%337%222%116.89%74.12%27.12%5.69%4.90%-11,200 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.15%0.98%0.97%0.99%0.98%0.94%0.94%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.47%14.15%11.20%9.55%9.28%8.72%8.63%9.81%+26 bps
Total Risk-Based Capital18.47%14.15%11.20%9.55%9.28%8.72%8.63%9.81%+26 bps
Equity / Assets16.61%11.65%9.81%9.19%9.54%8.39%8.61%9.75%+56 bps
Liquidity & Funding
Loans / Deposits103.01%93.58%93.51%98.72%97.01%100.38%107.35%110.00%+1,128 bps
Liquid Assets / Assets15.14%15.83%17.23%16.51%15.37%15.41%15.01%15.91%-59 bps
CRE / Total Capitaln/an/an/an/a635%741%733%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beach Cities Commercial Bank

Irvine, CA · Cert 59290 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 2 branches

Q2 2026

$188.9MAssets
$153.5MLoans
$139.6MDeposits
$18.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 27 of 28).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.04%

Rank 24 of 28

Net Interest Margin

3.74%

Rank 13 of 28

Efficiency Ratio

100.29%

Rank 25 of 28

Equity / Assets

9.75%

Rank 25 of 28

Non-interest income vs. expense

$0.6M$7.6MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 14% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 100.29%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.04%0.39%0.81%1.45%Beats 14%24 / 28
Return on Equity-0.43%2.58%5.09%9.10%Beats 14%24 / 28
Net Interest Margin3.74%3.22%3.68%4.12%Beats 54%13 / 28
Efficiency Ratio100.29%56.77%70.25%85.37%Beats 14%25 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio9.81%13.70%16.46%19.75%Beats 4%27 / 28
Total Risk-Based Capital Ratio9.81%14.96%17.60%20.63%Beats 4%27 / 28
Equity / Assets9.75%11.97%15.41%17.42%Beats 11%25 / 28
Liquidity & Funding
Loans / Deposits110.00%84.00%97.95%102.47%86th pctl4 / 28
Loans / Assets81.28%69.18%76.59%81.19%79th pctl6 / 28
Brokered Deposits / Depositsn/aNot reported for this institution