BEACH CITIES COMMERCIAL BANK

IRVINE, CA · Supervised by FDIC

Est. 2023FDIC #59,290RSSD: FDIC-59290

Satisfactory

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.34%

Institution Profile

FDIC BankFind

Website

www.beachcitiescb.com

Address

100 Progress, IRVINE, CA

County

Orange County

Established

June 12, 2023

Total Assets

$182M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Nov 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$182M

Total Deposits

$140M

Net Loans

$148M

Net Income

$-152K

ROA

-0.34%

ROE

-3.98%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$133M

1-Year Change

5-year net change: +2 branches

This is the only examination on record for this bank.

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