Beach Cities Commercial Bank Reports $12.4 Million Q4 Net Income with $2.1 Billion in Total Assets

Beach Cities Commercial Bank released its financial results for the fourth quarter of 2025, reporting a net income of $12.4 million. The bank’s total assets reached $2.1 billion as of December 31, 2025, reflecting steady growth compared to previous quarters. Additionally, the institution reported a return on average equity (ROAE) of 14.8% and a return on average assets (ROAA) of 1.2% for the quarter.

The report highlighted an increase in total loans, which rose to $1.6 billion by year-end, representing a significant portion of the bank’s asset base. Total deposits also grew during this period, reaching $1.8 billion as customers continued to utilize the bank’s services. Non-performing assets remained low at 0.25% of total assets, indicating strong credit quality management. The bank attributed its performance to disciplined expense control and consistent loan portfolio expansion throughout the year.

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Date: February 12, 2026

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