Beach Cities Commercial Bank is a bank based in Irvine, California, established in 2023, with $182 million in total assets across 2 branches. By Trust Grade it ranks 107th of 117 banks we track in California. Its capital ratio of 8.6% trails most similarly sized banks (23th percentile), versus a California median of 11.7%. It posted a loss over the most recent period (-0.34% return on assets), a point to watch. No consumer complaints against Beach Cities Commercial Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Beach Cities Commercial Bank compares to California peers
How we graded Beach Cities Commercial Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Unprofitable over the period (ROA -0.34%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Beach Cities Commercial Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 100 Progress, Irvine, CA 92618
- 171 Saxony Rd, Encinitas, CA 92024
Are deposits at Beach Cities Commercial Bank insured?
Yes. Beach Cities Commercial Bank is an FDIC-insured bank (FDIC certificate #59290). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Beach Cities Commercial Bank: frequently asked questions
Is Beach Cities Commercial Bank a good bank?
Beach Cities Commercial Bank earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Unprofitable over the period (ROA -0.34%).
Is Beach Cities Commercial Bank FDIC-insured?
Yes. Beach Cities Commercial Bank is a FDIC-insured bank (FDIC certificate #59290). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Beach Cities Commercial Bank?
Beach Cities Commercial Bank holds $182 million in total assets, ranking 107th of 117 banks we track in California. It operates 2 branches.
Does Beach Cities Commercial Bank have CFPB complaints?
No CFPB complaints against Beach Cities Commercial Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
