Total Assets
$177M
Total balance-sheet footings
FDIC Cert #59290 · Irvine, California · Est. 2023
Beach Cities Commercial Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $177M
- Total assets
- D
- Health grade · Weak
- -0.39%
- Return on assets
- 8.7%
- Tier 1 capital
Data updated July 2026
The verdict
Beach Cities Commercial Bank earns a PlainBankData health grade of D (38/100), with 8.72% Tier 1 capital, -0.39% ROA, 106% efficiency ratio.
- #3,176
- largest of 4,313 FDIC banks by assets
- 26th
- percentile by asset size, nationally
- 8.72%
- Tier 1 ratio - below the 10% well-capitalized line
- 3rd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 59290 · CA D · 38/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-D D (38/100)
- BOTTOM-DECILE #4252/4307
- PHOTO-FINISH Gainey Business Bank · AZ
- TIER1-ADEQ 8.7% Tier 1
- TEXAS-CLEAN 0.0% Texas
- ROA-LOSS -0.39% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside California: Gainey Business Bank, AZ (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Beach Cities Commercial Bank
Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.
Call Report read for Beach Cities Commercial Bank in a high-failure state
Beach Cities Commercial Bank (FDIC Cert #59290) carries a PlainBankData health grade of D at 38/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,252 of 4,307. Tier 1 capital prints at 8.72%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.39%. Balance-sheet scale is $177M, 3,176th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Gainey Business Bank (AZ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Beach Cities Commercial Bank
44 FAILURE resolutions in California since 2000, heavy vs the state corpus
Beach Cities Commercial Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Beach Cities Commercial Bank's current Call Report.
- FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
- SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
- FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.
How Beach Cities Commercial Bank's 38/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (8.72%) 18/40
Return on Assets (ROA) (-0.39%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (106.31%) 0/15
38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$144M
Customer-funded liabilities
Net Loans
$143M
Outstanding loan book
Net Income
$-606K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Beach Cities Commercial Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Beach Cities Commercial Bank's score of 38/100 falls in the highlighted band.
Beach Cities Commercial Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
38 1st percentile higher than 1% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Beach Cities Commercial Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Beach Cities Commercial Bank's $177M falls in the highlighted band.
Capital & credit buffers at Beach Cities Commercial Bank
Tier 1 capital ratio
Well-capitalized 10%
8.72% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.72%
Texas Ratio
0.00%
Equity Capital
$15M
Profitability metrics: Beach Cities Commercial Bank
Return on Assets (ROA)
3rd percentile nationally
-0.39%
Return on Equity (ROE)
-4.04%
Efficiency Ratio
106.31%
Income & expense: loss period at Beach Cities Commercial Bank
$11M
Interest Income
$592K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Beach Cities Commercial Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Beach Cities Commercial Bank
Beach Cities Commercial Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-606K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 8.72% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Beach Cities Commercial Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($177M here), outside California so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Beach Cities Commercial Bank (FDIC Cert #59290) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Beach Cities Commercial Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |