Beach Cities Commercial Bank: how it compares with its peers
Against 23 CA banks with half to twice its assets, Beach Cities Commercial Bank's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $7.1M peer median). Its weakest relative measure is return on assets (-0.04% vs. 0.58%).
| Measure | Beach Cities Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.04% | 0.58% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.96% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 100.29% | 85.90% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.1M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.97% | 95.11% | Context |
What it means for lending operations
Its efficiency ratio of 100.29% is above the 85.90% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Pacific Bank City Of Industry, CA · $191M
- Hatch Bank San Marcos, CA · $177M
- BEACON BUSINESS BANK, NATIONAL ASSOCIATION San Francisco, CA · $164M
- First Federal Savings and Loan Association of San Rafael San Rafael, CA · $222M
- Icon Business Bank Riverside, CA · $156M
- Bank of Whittier, National Association Whittier, CA · $153M
Questions about Beach Cities Commercial Bank
How big is Beach Cities Commercial Bank?
Beach Cities Commercial Bank, established in 2023, is headquartered in Irvine, CA. It reported $189M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Beach Cities Commercial Bank's return on assets?
-0.04% annualized in Q2 2026, against a 0.58% median for 23 CA banks with half to twice its assets, ahead of 30% of them.
What is Beach Cities Commercial Bank's efficiency ratio?
100.29% in Q2 2026: it spent about 100 cents in noninterest expense for each dollar of revenue. The peer median is 85.90%, and lower is better.
Is Beach Cities Commercial Bank growing its loans?
Net loans grew 16.9% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.