Side-by-side · Q2 2026 data
United Pacific Bank vs Beach Cities Commercial Bank
Metric by metric
| Measure | United Pacific Bank | Beach Cities Commercial Bank |
|---|---|---|
| TellerScore | 57 | 58 (stronger) |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 16 | 100 (stronger) |
| Earnings | 36 (stronger) | 18 |
| Funding & liquidity | 50 (stronger) | 33 |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 14th | 16th |
| Total assets | $191.0M | $188.9M |
| Deposits / shares | $156.8M | $139.6M |
| Capital ratio | 17.39% (stronger) | 9.81% |
| Problem loans | 2.51% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.40% (stronger) | -0.04% |
| Loans ÷ deposits | 96.9% (stronger) | 109.0% |
| Uninsured deposits | 26.6% (stronger) | 31.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beach Cities Commercial Bank has the higher TellerScore (58 vs 57). On the 6 directional measures above (where higher or lower is clearly better), United Pacific Bank leads on 4 and Beach Cities Commercial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.