Bank · FDIC insured
Beach Cities Commercial Bank
A $188.9M bank headquartered in Irvine, CA, with 2 branches in California. Best rates: CDs 4.30% and savings 0.45% APY.
Beach Cities Commercial Bank Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#82 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Beach Cities Commercial Bank
Founded in 2023, Beach Cities Commercial Bank opened in Irvine to change how banking is done.
- Headquarters
- 100 Progress, Irvine, CA 92618
- FDIC certificate
- 59290 ↗
Branches
2 branches in California
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California
2 branches
Los Angeles area · 1
- Beach Cities Commercial BankMain office100 Progress, Irvine, CA 92618Directions
San Diego area · 1
- Encinitas Branch171 Saxony Rd, Encinitas, CA 92024Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.81% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.04% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $110 | $81 | — |
- CapitalLeverage ratio9.81%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.04%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$110Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Beach Cities Commercial Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.