BlastPoint's Banking Scorecard

Beach Cities Commercial Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59290

Irvine, CA

2 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Beach Cities Commercial Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 47.5% in tier
- Return on Assets 1.61% below tier average
- Efficiency Ratio 43.45% above tier average
- Loan-to-Deposit Ratio 29.70% above tier average
- Net Interest Margin 0.15% below tier average

Get updates when Beach Cities Commercial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$182.5M +18.6% YoY +3.2% QoQ	-$203.6M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$148.4M +21.4% YoY +4.0% QoQ	-$107.3M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$139.6M +5.7% YoY -2.8% QoQ	-$188.4M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	-0.34% +50.2% YoY +12.8% QoQ	-1.61%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 2.2% in tier
Net Interest Margin ?	3.79% +10.0% YoY -0.4% QoQ	-0.15%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	108.74% -6.7% YoY +2.3% QoQ	+43.45%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 1.4% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	106.33% +14.8% YoY +7.0% QoQ	+29.70%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 4.2% in tier
Non-Interest-Bearing Deposit Share ?	13.41% -18.2% YoY -8.5% QoQ	-8.61%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	8.63% -22.9% YoY -1.0% QoQ	-7.20%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Bottom 0.2% in tier
Non-Interest Income / Assets ?	0.05% -75.0% YoY -86.4% QoQ	-0.23%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	17%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#95 of 198 • Bottom 47.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.41%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (8 metrics)

2659

Tier 1 Capital Ratio

capital

Value: 8.63%

Peer Median: 15.83%

#2659 of 2664 Bottom 0.2% in $100M-$1B

2627

Efficiency Ratio

profitability

Value: 108.74%

Peer Median: 65.29%

#2627 of 2664 Bottom 1.4% in $100M-$1B

2607

Return on Assets

profitability

Value: -0.34%

Peer Median: 1.27%

#2607 of 2664 Bottom 2.2% in $100M-$1B

2554

Loan-to-Deposit Ratio

liquidity

Value: 106.33%

Peer Median: 76.64%

#2554 of 2664 Bottom 4.2% in $100M-$1B

2204

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2204 of 2664 Bottom 17.3% in $100M-$1B

2184

Total Deposits

size

Value: $139.56M

Peer Median: $327.97M

#2184 of 2664 Bottom 18.1% in $100M-$1B

2166

Non-Interest-Bearing Deposit Share

funding

Value: 13.41%

Peer Median: 22.02%

#2166 of 2664 Bottom 18.7% in $100M-$1B

2075

Total Assets

size

Value: $182.47M

Peer Median: $386.08M

#2075 of 2664 Bottom 22.1% in $100M-$1B