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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 $0.0MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $120.9M13%Noninterest $18.7MQ2 2025Q2 2026

NIM

7.01%Q2 ’247.10%Q2 ’256.80%Q2 ’26-2%+2%

Non-interest income vs. expense

9.77%Q2 ’244.87%Q2 ’254.10%Q2 ’26-55%-17%

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 0.24%, up 90 bps year over year; NIM at 3.90%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.24%+90 bps YoY

Net Interest Margin (quarter, annualized)

3.90%+6 bps YoY

Efficiency Ratio (quarter, annualized)

93.10%-1,854 bps YoY

Tier 1 Leverage Ratio

9.81%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.66%0.04%-0.28%-0.34%0.24%+90 bps
Return on Equity-6.96%0.40%-3.17%-3.98%2.63%+958 bps
Net Interest Margin3.85%3.78%3.77%3.69%3.90%+6 bps
Efficiency Ratio111.65%99.04%98.66%108.74%93.10%-1,854 bps
Non-Interest Burden4.35%3.73%3.72%4.02%3.59%-75 bps
Growth
Asset Growth (YoY)100.02%61.28%35.13%18.61%16.23%-8,379 bps
Loan Growth (YoY)107.87%63.97%36.35%21.32%16.88%-9,099 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.97%0.99%0.98%0.94%0.94%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.55%9.28%8.72%8.63%9.81%+26 bps
Total Risk-Based Capital9.55%9.28%8.72%8.63%9.81%+26 bps
Equity / Assets9.19%9.54%8.39%8.61%9.75%+56 bps
Liquidity & Funding
Loans / Deposits98.72%97.01%100.38%107.35%110.00%+1,128 bps
Liquid Assets / Assets16.51%15.37%15.41%15.01%15.91%-59 bps
CRE / Total Capitaln/a635%741%733%n/an/a