BlastPoint's Banking Scorecard
Beach Cities Commercial Bank
Micro
Specialty: Commercial
CA
FDIC cert 59290
Designations: ✓ Community bank
Irvine, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Beach Cities Commercial Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 24.87% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.47% below tier
- - Efficiency Ratio 38.59% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.7M
+35.1% YoY
+12.9% QoQ
|
-$40.8M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$142.6M
+36.6% YoY
+12.5% QoQ
|
+$3.5M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$143.5M
+27.1% YoY
+8.7% QoQ
|
-$40.2M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
-0.39%
+92.8% YoY
+9.9% QoQ
|
-1.47% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.80%
-5.0% YoY
+0.0% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
106.31%
-48.8% YoY
-2.4% QoQ
|
+38.59% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
99.39%
+7.4% YoY
+3.5% QoQ
|
+24.87% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.66%
+17.2% YoY
+25.2% QoQ
|
-7.73% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+194.0% YoY
-2.9% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.39%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.39%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
106.31%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.39% · Tier avg: 74.53%
58
58th pctile
Total Loans
Current: $142.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
45
45th pctile
Total Assets
Current: $176.7M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $143.5M · Tier avg: $183.7M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.66% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.39% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 106.31% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 106.31% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.39% · Tier avg: 1.08%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.66% · Tier avg: 22.39%
43
43th pctile
Total Deposits
Current: $143.5M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $176.7M · Tier avg: $217.5M
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $142.6M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.39% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%