BEACH CITIES COMMERCIAL BANK
IRVINE, CALIFORNIA · FDIC Cert #59290
Capital & Safety Analysis
According to FDIC financial data, BEACH CITIES COMMERCIAL BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject BEACH CITIES COMMERCIAL BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
BEACH CITIES COMMERCIAL BANK shows some financial weakness with a Health Score of 44/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
BEACH CITIES COMMERCIAL BANK has a Bank Health Score of D (44/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
BEACH CITIES COMMERCIAL BANK holds $81M in total assets and $61M in total deposits. It is located in IRVINE, CALIFORNIA (FDIC Certificate #59290).
BEACH CITIES COMMERCIAL BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.00%, and the return on assets is -8.00%.
Yes. BEACH CITIES COMMERCIAL BANK is FDIC-insured (Certificate #59290). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.