Side-by-side · Q2 2026 data
Capital Bank and Trust Company vs Beach Cities Commercial Bank
Metric by metric
| Measure | Capital Bank and Trust Company | Beach Cities Commercial Bank |
|---|---|---|
| TellerScore | 94 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 18 |
| Funding & liquidity | 61 (stronger) | 33 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 16th |
| Total assets | $266.1M | $188.9M |
| Deposits / shares | $500K | $139.6M |
| Capital ratio | 79.26% (stronger) | 9.81% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 81.14% (stronger) | -0.04% |
| Loans ÷ deposits | 0.0% (stronger) | 109.0% |
| Uninsured deposits | 50.0% | 31.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Capital Bank and Trust Company has the higher TellerScore (94 vs 58). On the 5 directional measures above (where higher or lower is clearly better), Capital Bank and Trust Company leads on 4 and Beach Cities Commercial Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.