Beach Cities Commercial Bank (FDIC certificate #59290) is based in Irvine, California. Its Q2 2026 call report shows $188.9M in total assets and $139.6M in deposits and 2 offices.
Beach Cities Commercial Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 92nd. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (18/100, -0.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (56 → 58), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 71 |
| Q4 2024 | 69 |
| Q1 2025 | 61 |
| Q2 2025 | 56 |
| Q3 2025 | 55 |
| Q4 2025 | 54 |
| Q1 2026 | 53 |
| Q2 2026 | 58 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 23.49% |
| Q3 2024 | 18.47% |
| Q4 2024 | 14.16% |
| Q1 2025 | 11.20% |
| Q2 2025 | 9.55% |
| Q3 2025 | 9.28% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.63% |
| Q2 2026 | 9.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -8.00% |
| Q3 2024 | -6.54% |
| Q4 2024 | -5.40% |
| Q1 2025 | -0.68% |
| Q2 2025 | -0.67% |
| Q3 2025 | -0.43% |
| Q4 2025 | -0.39% |
| Q1 2026 | -0.34% |
| Q2 2026 | -0.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $188.9M | 9.81% | 0.00% | -0.04% | 109.0% |
| Q1 2026 | 53 | $182.5M | 8.63% | 0.00% | -0.34% | 106.3% |
| Q4 2025 | 54 | $176.7M | 8.72% | 0.00% | -0.39% | 99.4% |
| Q3 2025 | 55 | $156.5M | 9.28% | 0.00% | -0.43% | 96.0% |
| Q2 2025 | 56 | $162.5M | 9.55% | 0.00% | -0.67% | 97.8% |
| Q1 2025 | 61 | $153.8M | 11.20% | 0.00% | -0.68% | 92.6% |
| Q4 2024 | 69 | $130.8M | 14.16% | 0.00% | -5.40% | 92.5% |
| Q3 2024 | 71 | $97.0M | 18.47% | 0.00% | -6.54% | 101.9% |
| Q2 2024 | 72 | $81.2M | 23.49% | 0.00% | -8.00% | 101.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Pacific BankBank City Of Industry, CA | 57 out of 100, Moderate | $191.0M | 17.4% | 2.51% | vs |
| Hatch BankBank San Marcos, CA | 78 out of 100, Strong | $177.5M | 21.5% | 0.10% | vs |
| Beacon Business Bank, National AssociationBank San Francisco, CA | 69 out of 100, Moderate | $164.4M | 11.6% | 0.00% | vs |
| First Federal Savings and Loan Association of San RafaelBank San Rafael, CA | 76 out of 100, Strong | $222.1M | 18.8% | 0.00% | vs |
| Icon Business BankBank Riverside, CA | 57 out of 100, Moderate | $155.5M | 11.9% | 0.22% | vs |
| Bank of Whittier, National AssociationBank Whittier, CA | 87 out of 100, Very strong | $152.6M | 16.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Beach Cities Commercial Bank?
Yes. Beach Cities Commercial Bank is an FDIC-insured institution (FDIC certificate #59290). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.4% of deposits ($43.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.81%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Beach Cities Commercial Bank lists 2 offices in 2 cities. Most locations:
- Encinitas, CA (1)
- Irvine, CA (1)
Identity & history
Profile
- Legal name
- Beach Cities Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59290
- RSSD ID
- 5805424
- Primary regulator
- FDIC
- Established
- June 12, 2023
- Headquarters
- 100 Progress, Irvine, CA 92618
- Website
- www.beachcitiescb.com
- Employees
- 26
Quick answers
Beach Cities Commercial Bank: common questions
Is Beach Cities Commercial Bank FDIC insured?
Yes. Beach Cities Commercial Bank is an FDIC-insured institution (FDIC certificate #59290). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Beach Cities Commercial Bank's TellerScore?
58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Beach Cities Commercial Bank ever failed?
There is no failure record for FDIC certificate #59290 in the FDIC failed bank list.
How many branches does Beach Cities Commercial Bank have?
2 offices as of the latest FDIC data.
Nearby
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| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
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| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |