BCCB

What BCCB does

Beach Cities Commercial Bank (OTCQB: BCCB) is a California state-chartered, FDIC-insured de novo community bank founded in 2023 and headquartered in Irvine, California, with a second branch in Encinitas. The bank serves small-to-mid-sized businesses, individual consumers, and non-profit organizations across Southern California through a relationship-based model offering tiered commercial and personal checking (UltraLink Zero, Grow, Pro, Elite), savings and money market products, certificates of deposit, and an IOLTA product for attorneys. Lending is a core focus, spanning business lines of credit, term loans, equipment financing, commercial real estate financing, bridge and construction loans, SBA 504 and 7(a) programs, and the California State Loan Guarantee program.

The bank's technology backbone is the Fiserv-powered BCCB UltraLink digital banking platform, which provides online and mobile banking, integrated treasury management (Positive Pay, ACH origination, remote deposit capture, wire approvals), biometric mobile authentication, mobile check deposit, bill pay, and personal financial management tools (HomeBase). Distribution partnerships include Elan Financial Services for business credit cards and Zelle for P2P payments. As of Q4 2025, BCCB reported total assets of $176.7 million (up 35% year-over-year), gross loans of $144.1 million with no delinquencies or non-performing loans, and a quarterly net loss of $117.6k, representing an 87% reduction in annual losses versus 2024.

Revenue is generated primarily through interest income on the loan portfolio (CRE, business term, equipment, SBA, construction), supplemented by deposit account fees, wire and ATM fees, and interchange/referral revenue from the Elan credit card partnership. Pricing is tier-based, with monthly maintenance fees from $0 (UltraLink Zero) to $250 (UltraLink Elite), fee waivers at specified average balances, and a Money Market yield of 3.75% APY. The bank completed a $5 million private placement in 2025 and a $1,718,037 capital raise in April 2026, and appointed a new CEO (Thomas J. Inserra) effective February 2, 2026, signaling a scaling mandate.

Name

BCCB

Legal name

Beach Cities Commercial Bank

Website

https://beachcitiescb.com

Company type

Public

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Beach Cities Commercial Bank is a California state-chartered, FDIC-insured community bank founded in 2023 that provides commercial lending, deposit accounts, treasury management, and personal banking to small-to-mid-sized businesses, consumers, and non-profits across Southern California via two branches and a Fiserv-powered UltraLink digital platform.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Commercial lending
• Small business loans
• Treasury management
• Personal banking

Headquarters

HQ city

Irvine

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: The bank generates primary revenue through interest earned on loans including commercial real estate financing, business term loans, equipment financing, SBA loans, construction loans, and personal lending products.
2. Fee Income: Revenue from deposit account service fees, wire transfer fees, ATM fees, and commercial banking service charges. The bank offers zero-fee accounts with minimum balance requirements as an alternative to monthly service charges.
3. Credit Card Revenue: Partnership with Elan Financial Services for credit card products, generating interchange fees and referral revenue from business and personal credit card issuance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Beach Cities Commercial Bank (BCCB) is a California-chartered community bank providing commercial and personal banking services through two physical branches and a Fiserv-powered UltraLink digital platform. Its core offerings include deposit accounts (checking, savings, money market, CDs, IOLTA), business lending (SBA 504/7a, commercial real estate, equipment, construction, bridge financing, lines of credit, term loans), treasury management, and credit card products issued through Elan Financial Services.

Product overview

Beach Cities Commercial Bank (BCCB) operates as a community bank offering a unified digital banking platform (BCCB UltraLink) that integrates online banking, mobile banking, and treasury management services. The product portfolio comprises four distinct tiers: (1) Digital Banking Platform: BCCB UltraLink serving as the core interface for all accounts with Mobile Banking, Treasury Management Solutions, HomeBase, Mobile Alerts, Mobile Deposits, and Bill Pay features; (2) Commercial Banking Products: UltraLink checking tiers (Zero/Zero Plus, Grow, Pro, Elite), Account Analysis, Commercial Interest, IOLTA, and savings accounts; (3) Business Lending: Lines of Credit, Term Loans, Equipment Financing, Commercial Real Estate Financing, Bridge Financing, SBA Loans (504 and 7a), California State Loan Guarantee, and Construction Loans; (4) Personal Banking: UltraLink Zero checking, Personal Interest Checking, Money Market Accounts, Personal Savings, Certificates of Deposit, and Personal Credit Products; (5) Payment Solutions: Business Credit Cards via Elan Financial Services, Zelle P2P payments, and Treasury Management tools including Positive Pay, ACH Origination, and Remote Deposit Capture.

Differentiator

Problem solved

Functional benefit

Brands

• BCCB UltraLink: Digital online banking platform providing customizable fintech system for personal and business banking including account management, transfers, bill pay, and treasury management services.
• Ultralink Zero
• Ultralink Zero Plus
• 504 Loans
• 7a Loans

Products and services

• Commercial Checking Accounts (UltraLink Zero, Grow, Pro, Elite)
• Personal Checking Accounts (UltraLink Zero, UltraLink Zero Plus, Personal Interest Checking)
• Money Market Accounts
• Personal Savings Accounts
• Certificate of Deposit (CD)
• IOLTA Attorney Trust Account
• Account Analysis
• Commercial Interest Checking
• BCCB UltraLink Digital Banking Platform
• Treasury Management Solutions
• Business Lines of Credit
• Business Term Loans
• Equipment Financing
• Commercial Real Estate Financing
• Bridge Financing
• SBA Loans (504 and 7a)
• California State Loan Guarantee Loans
• Construction Loans
• Business Credit Cards (Elan Financial Services partnership)
• Zelle P2P Payments

Quantifiable outcome

• Asset growth of 35% year-over-year to $176.7 million with no delinquent or non-performing loans
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FiservcoreTechnology or IntegrationFiserv provides the core technology powering BCCB Ultralink digital banking platform and mobile app, enabling online banking, mobile deposits, wire transfers, ACH processing, and account management features.
• Zelle (Early Warning Services)coreTechnology or IntegrationPartnership with Zelle enables instant peer-to-peer payment transfers through the bank's digital banking platform, allowing customers to send and receive money directly from their accounts.
• Elan Financial ServicescoreTechnology or IntegrationElan Financial Services provides credit card products including Business Cash Preferred, Business ZERO+, Smart Business Rewards, and Business Real Rewards cards offered through the bank.
• ComputershareminorOthersStock transfer agent providing shareholder services, processing stock transactions, and handling investor inquiries for BCCB's publicly traded shares (OTCQB:BCCB).
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerSBA 504 and 7(a) loan programs enable the bank to offer government-guaranteed small business loans with below-market rates, lower down payments, and longer terms to eligible borrowers.
• California State Treasurer's OfficecoreStrategic or Co-development PartnerCalifornia State Loan Guarantee program provides government-backed loans for businesses with 1-750 employees, offering flexible 7-year fully amortized loans, working capital programs, and eligibility for not-for-profits.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• First Foundation Bank: California-headquartered regional bank with SMB and consumer banking across Southern California; a larger but analogous competitor pursuing a similar relationship-based, multi-tier deposit strategy in overlapping geographies.
• CVB Financial (Citizens Business Bank): Large Inland Empire-based community commercial bank serving California SMBs and middle-market clients. Represents the scaled community bank archetype BCCB aspires to grow toward in Southern California.
• Pacific Premier Bank: Large Irvine-headquartered commercial bank with full SMB and treasury management offerings across the Western U.S. BCCB's COO and CTO both previously served at Pacific Premier Bank, and it represents the larger incumbent BCCB competes against in its home market.

Direct peers

• Pacific Mercantile Bancorp: Southern California-based commercial banking institution that has served middle-market and SMB clients; BCCB's CEO Thomas Inserra previously held senior roles there. Direct overlap in target customer, geography, and product suite.
• California Business Bank: Southern California community bank serving SMBs; BCCB's CFO Najam Saiduddin previously served as CFO, Corporate Secretary, and Security Officer there. Closely analogous business model and geographic focus.
• Seacoast Commerce Bank: Community commercial bank that acquired Capital Bank of San Juan Capistrano (where BCCB board director Frank Ford was EVP/CLO). Similar SMB-focused lending model with comparable SBA and CRE product offerings.
• Capital Bank of San Juan Capistrano: Defunct Orange County community bank (acquired by Seacoast in 2017) where multiple BCCB board members previously served. Provides a direct historical peer template for the SBC-focused community bank model BCCB operates.
• Endeavor Bank: San Diego-headquartered community commercial bank serving SMBs and professionals. BCCB COO Nasrin Rostami was previously CRO at Endeavor Bank. Closely comparable business model, target segment, and Southern California footprint.
• Integro Bank: Small California community commercial bank serving SMBs where BCCB's incoming CEO Thomas Inserra was previously CEO. Closely comparable scale, business model, and product mix.

Emerging players

• Mercury: Digital-first banking platform targeting startups and SMBs with fee-free business checking, treasury, and integrations. Represents the fintech-native competitive threat BCCB faces in its core SMB segment regardless of branch presence.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/beach-cities-commercial-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BCCB