BlastPoint's Banking Scorecard
Beach Cities Commercial Bank
Irvine, CA
2 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +4.9% year over year ($139.6M on the books).
- Delinquency rate 0.00%.
- Return on assets -0.04%.
- Efficiency ratio 100.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 108.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Beach Cities Commercial Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.37% below tier average
- - Efficiency Ratio 35.81% above tier average
- - Loan-to-Deposit Ratio 31.01% above tier average
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.9M
+16.2% YoY
+3.5% QoQ
|
-$197.7M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$152.1M
+16.9% YoY
+2.5% QoQ
|
-$106.3M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$139.6M
+4.9% YoY
-0.0% QoQ
|
-$187.2M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
-0.04%
+93.5% YoY
+87.1% QoQ
|
-1.37% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.1% in tier |
| Net Interest Margin ? |
3.89%
+5.3% YoY
+2.8% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
100.29%
-12.0% YoY
-7.8% QoQ
|
+35.81% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
108.97%
+11.5% YoY
+2.5% QoQ
|
+31.01% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.36%
+15.7% YoY
-0.3% QoQ
|
-8.67% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.81%
+2.7% YoY
+13.6% QoQ
|
-6.10% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.2% in tier |
| Non-Interest Income / Assets ? |
0.17%
-43.0% YoY
+270.2% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
40% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.4%
+1.8pp YoY 0.0pp QoQ |
-8.8pp | 22.1% | 25.5% | 22.2% | 18% |
| Brokered Deposits |
9.3%
+2.6pp YoY +1.4pp QoQ |
+1.5pp | 7.9% | 11.0% | 8.5% | 73% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.8%
-1.8pp YoY +0.4pp QoQ |
+2.2pp | 11.6% | 11.8% | 12.5% | 71% |
| CRE |
75.7%
+4.5pp YoY -0.9pp QoQ |
+36.1pp | 39.5% | 67.5% | 41.4% | 96% |
| 1-4 Family |
11.5%
-2.8pp YoY +0.5pp QoQ |
-21.1pp | 32.6% | 16.5% | 31.3% | 13% |
| Consumer | n/a | n/a | 4.1% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
9.8%
+0.3pp YoY +1.2pp QoQ |
-2.4pp | 12.2% | 14.5% | 12.6% | 27% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
0 YoY 0 QoQ |
-33 | 58 | 337 | 482 | 21% |
| Assets per Employee ($) |
$7.3M
+16.2% YoY +3.5% QoQ |
-$254K | $7.5M | $11.3M | $8.8M | 57% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 15 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 17.11x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.5%
+6.2pp YoY +3.5pp QoQ |
-12.7pp | 12.2% | 8.2% | 11.6% | 3% |
| Cost of Funds (YTD) |
3.0%
-0.3pp YoY 0.0pp QoQ |
+1.3pp | 1.7% | 1.9% | 1.7% | 97% |
| Net Income ($, YTD) |
$-40000.0
+92.0% YoY — QoQ |
-$2.6M | $2.6M | $28.5M | $40.4M | 3% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.