Welcome to our dedicated page for Beach Cities Com news (Ticker: BCCB), a resource for investors and traders seeking the latest updates and insights on Beach Cities Com stock.
Beach Cities Commercial Bank (OTCQB: BCCB) is a California-incorporated, community-based commercial bank that regularly publishes detailed financial and operational updates. Incorporated on April 11, 2022 and opened for business on June 12, 2023, the bank focuses on serving business, commercial and professional markets in Southern California, with a headquarters in Irvine and a regional office and branch in Encinitas.
This news page aggregates company-issued announcements, including quarterly financial results, leadership updates and commentary from management. Readers can review disclosures on total assets, loan and deposit growth, liquidity levels, loan portfolio yields, net interest margin, reserves for credit losses and capital ratios, as reported by the bank in its public releases.
Beach Cities Commercial Bank’s news often highlights developments in its commercial and industrial lending, commercial real estate financing, SBA 7(a) and 504 lending, SBA express lines, California state loan guarantee loans and construction and equipment financing. The bank also reports on deposit mix, including non-interest-bearing accounts, money market balances and certificates of deposit, as well as initiatives to shift away from higher-cost institutional deposits.
Announcements have covered milestones such as obtaining Small Business Administration Preferred Lending Program (PLP) status, completing technology platform buildouts, adding products like Zelle and forming a specialty lending division. Leadership changes, board oversight arrangements and shareholder meeting outcomes are also disclosed through news releases.
Investors, analysts and customers can use this page to follow Beach Cities Commercial Bank’s reported progress toward profitability, its asset quality metrics, and its growth in the Southern California commercial banking market. For ongoing context on BCCB, this news feed provides an organized view of the bank’s official communications over time.
Beach Cities Commercial Bank (OTCQB: BCCB) reported fourth-quarter 2025 results with total assets of $176.7M (35% YoY) and gross loans of $144.1M (36% YoY). Deposits reached $143.5M (27% YoY).
The Bank posted a Q4 net loss of $117.6k and a 2025 YTD loss of $605.7k (an 87% reduction vs. 2024). Net interest margin was 3.82% and loan yield 7.69%. Liquidity stood at $28.3M (16.02% of assets) and allowance for credit losses was $1.412M (0.98% of loans). The board launched a private placement to raise up to $5.0M at $9.50/share with warrants.
Beach Cities Commercial Bank (OTCQB:BCCB) appointed Thomas J. Inserra as President, Chief Executive Officer and board director effective February 2, 2026. The appointment followed non-objections from the FDIC and the California DFPI. Inserra joins from Integro Bank and has prior senior roles at Pacific Mercantile Bancorp, Citibank, and Susquehanna Bank.
The bank is headquartered in Irvine and serves commercial clients across Southern California.
Beach Cities Commercial Bank (OTCQB: BCCB) reported third-quarter 2025 results for the period ended September 30, 2025.
Key highlights: Net income $14.5k in Q3 vs. a $260.7k loss in Q2; Total assets $156.5M (+61% YoY); Total loans $128.1M (+64% YoY); Total deposits $132.0M (+74% YoY). Loan yield 7.66% and net interest margin 3.44%. Provision reserve $1.272M (0.99% of loans). Tier 1 capital to average assets ratio was 9.28%. Q3 operating expenses fell 17.9% QoQ. Liquidity was $25.1M (16.06% of assets) with $21.4M contingent borrowings available.
Beach Cities Commercial Bank (OTCQB: BCCB) reported its Q2 2025 financial results, showing significant growth but continued losses. Total assets reached $162.5 million, up 100% year-over-year, while loans grew 108% to $131.3 million. Deposits increased 117% to $133.0 million.
The bank reported a Q2 2025 net loss of $260.7k, slightly higher than Q1's loss of $242k. Net interest margin stood at 3.48% with a loan portfolio yield of 7.57%. The bank maintains strong asset quality with zero delinquent and non-performing loans, and a tier 1 capital ratio of 9.55%.
Notable developments include increased FHLB borrowings, implementation of new services like Zelle, and a campaign to replace high-cost institutional CD deposits with non-interest-bearing deposits to reduce interest expenses.
Beach Cities Commercial Bank (OTCQB:BCCB) announced significant leadership changes with both President Jeffrey Redeker and CEO H. Kent Falk departing in June 2025. The Bank's Board of Directors Vice Chair Angela Bienert and Director Jim Riskas have formed an Executive Oversight Committee to manage daily operations while searching for new leadership.
The Irvine, California-based community bank, which reported total assets of $153.8 million as of March 31, 2025, serves Los Angeles, Orange, San Diego, and Riverside Counties. The bank offers comprehensive commercial banking services including business checking, loans, and treasury management.
Beach Cities Commercial Bank (OTCQB: BCCB) has released its Q4 2024 financial results, showing significant growth in key metrics. Total assets reached $130.8 million, up 173% year-over-year, while total loans increased 378% to $105.6 million. Deposits grew 337% to $112.9 million.
The bank maintained strong liquidity at $22.1 million (16.9% of total assets) and a healthy loan portfolio yield of 8.05% with a net interest margin of 4.21%. However, shareholders' equity decreased by $4.2 million to $15.2 million, primarily due to $927k in credit loss provisions and $3.3 million in operating losses.
Q4 2024 resulted in a net loss of $989k, with year-to-date losses at $4.52 million. The bank's loan portfolio grew by $27.5 million in Q4, necessitating increased credit reserve provisions of $371k. The bank maintains zero delinquent or non-performing loans and remains well-capitalized with a tier 1 capital ratio of 14.2%.
Beach Cities Commercial Bank (BCCB) reported its Q3 2024 financial results, showing significant growth in key metrics. Total assets reached $97.04M, up 102% from December 2023. Total loans increased 254% to $78.1M, while deposits grew 193% to $75.8M. The bank maintains strong liquidity at $15.6M (16.1% of total assets) with $27M in contingent borrowing sources. The loan portfolio yield was 8.15% with a 4.28% net interest margin. Q3 net loss decreased 25.7% to $940,000 from Q2's $1.26M loss, while year-to-date net loss stood at $3.54M. The bank reported zero delinquent and non-performing loans, with a credit loss reserve of $796,000.
Beach Cities Commercial Bank (BCCB) reported its second-quarter financial results for 2024. Key highlights include a 69.3% increase in total assets to $81.2 million and a 185.9% rise in total loans to $63.1 million from December 31, 2023. Total deposits surged by 124.7% to $61.3 million. The bank's liquidity remains strong at $14.3 million, 17.7% of total assets, and contingent borrowing is at $25.9 million, 32% of total assets. The loan portfolio yield is 8%, contributing to a net interest margin of 4.14%.
Despite the growth, BCCB reported a second-quarter net loss of $1.27 million, although this reflects an improvement from the first quarter's loss of $1.33 million. Interest income rose by 47% to $1.27 million, while interest expenses nearly doubled due to growth in short-term CDs. Non-interest expenses increased by 8.2% to $1.8 million, attributed to technology-related costs. The bank aims to reduce interest expenses by transitioning from high-cost institutional deposits to non-interest-bearing ones.
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