At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Needs Attention
ROA -0.34%
Is this bank safe?
BEACH CITIES COMMERCIAL BANK holds a Satisfactory CRA rating (2025), and shows financial metrics that merit closer review (ROA -0.34%).
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$182M
Total Deposits
$140M
Net Loans
$148M
Net Income
$-152K
ROA
-0.34%
Below avg for Small banks. Peer avg: 0.44%
ROE
-3.98%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
2
Branch Deposits
$133M
1-Year Change
0
5-year net change: +2 branches
This is the only examination on record for this bank.
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