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Beach Cities Commercial Bank reports developments tied to its role as a California community-based commercial bank serving Southern California markets. News about BCCB commonly covers quarterly financial results, deposit and loan growth, loan portfolio yields, net interest margin, credit quality, regulatory capital levels, and capital actions.
The bank's updates also describe business banking products and specialty lending activity, including commercial checking and savings accounts, treasury management, business lines of credit, equipment financing, commercial real estate financing, bridge financing, SBA loans, state-guaranteed loans, and construction loans. Governance and management changes are another recurring disclosure category for the OTCQB-traded bank.
Beach Cities Commercial Bank (OTCQB: BCCB) reported Q1 2026 results for the period ended March 31, 2026. Total assets were $182.47M, up 19% year-over-year. Gross loans were $149.82M, up 21% YoY. Q1 net loss was $151.8k, including $90k of non-recurring hiring costs.
Key capital and liquidity: shareholders' equity $15.70M, tier 1 capital to average assets 8.63%, liquidity $28.3M (15.5% of assets). The bank initiated a $5.0M targeted private placement and raised $1.718M as of April 30, 2026.
Beach Cities Commercial Bank (OTCQB: BCCB) appointed Stephanie Bitters as Senior Vice President, Specialty Lending Manager, effective March 2, 2026. Ms. Bitters brings more than 40 years of SBA lending, credit administration, and financial operations experience and will lead the bank's specialty lending and SBA platform growth.
Her background includes senior roles at VelocitySBA, Williams Adley, and leading a $1 billion SBA portfolio at Umpqua Bank.
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%.