E
Beach Cities Commercial Bank
IrvineCA
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Beach Cities Commercial Bank
Irvine, CA
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Rating E
Asset Quality Index 7.30
Capitalization Index 7.80
Liquidity Index 0.20
Profitability Index 0.30
Stability Index 0.00
Company Info Beach Cities Commercial Bank
Irvine, CA
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FDIC Number 59290
Phone Number (949) 704-1010
Website www.beachcitiescb.com
Asset Quality Beach Cities Commercial Bank
Irvine, CA
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1-Year Asset Growth 100.02%
5-Year Asset Growth --
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Beach Cities Commercial Bank
Irvine, CA
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Total Assets 162.49M
Total Deposits 133.04M
Capital and Reserves Beach Cities Commercial Bank
Irvine, CA
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Capital 14.93M
Leverage Ratio 9.55
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio --
Liquidity Beach Cities Commercial Bank
Irvine, CA
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Hot Money Ratio 46.05%
Liquidity Ratio 18.72%
Profitability Beach Cities Commercial Bank
Irvine, CA
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5-Year Return on Average Assets --
Net Income -503.00K
Net Interest Spread 3.83%
Operating Profit to Average Assets -0.70%
Overhead Efficiency Ratio 113.90%
Return on Assets -0.70%
Return on Equity -6.67%