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Beach Cities Commercial Bank

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Beach Cities Commercial Bank Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beach Cities Commercial Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 13, 2026

You can compare Beach Cities Commercial Bank rates to other rates in our database, including 12-month CD rates currently at 1.51%, 6-month CD rates at 3.10% and 3-month CD rates at 0.05%. Savings rates are at 0.10% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.79%. All these rates can be compared to Beach Cities Commercial Bank rates. MonitorBankRates evaluates the financial stability of Beach Cities Commercial Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/13/2026.

Beach Cities Commercial Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Beach Cities Commercial Bank? Share your experience about Beach Cities Commercial Bank by leaving a review below, or read customer reviews before you decide to use Beach Cities Commercial Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Beach Cities Commercial Bank

100 Progress
Irvine, CA 92618

https://www.beachcitiescb.com

Current Rate Availability

We do not have Beach Cities Commercial Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Beach Cities Commercial Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Beach Cities Commercial Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Beach Cities Commercial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Beach Cities Commercial Bank

FDIC Certificate # 59290

Address 100 Progress, Irvine, CA 92618 · Orange

Website https://www.beachcitiescb.com

Established 06/12/2023

FDIC Insurance Date 06/12/2023

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -10.9593%

Return on Equity (ROE) -19.0900%

Non-Performing Loans (NPL) 0.00%

Total Assets $176,737,000

Total Deposits $143,511,000

Equity Capital $14,837,000

Net Income $-606,000

Headquarters Irvine

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Beach Cities Commercial Bank

How many branches does Beach Cities Commercial Bank operate?

Beach Cities Commercial Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Beach Cities Commercial Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Beach Cities Commercial Bank provides members with tools to manage their accounts and build a solid financial history.

Does Beach Cities Commercial Bank offer online and mobile banking?

Most modern institutions like Beach Cities Commercial Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.beachcitiescb.com.