How are credit quality indicators (delinquency rates, charge‑offs, loan‑loss provisions) trending versus industry averages?

Short answer:

The press release you supplied does not contain any specific numbers or commentary on the bank’s credit‑quality metrics (delinquency rates, charge‑offs, or loan‑loss provisions), nor does it give a benchmark comparison to industry averages. Consequently, we cannot directly assess how those indicators are trending for Beach Cities Commercial Bank (BCCB) relative to the broader banking sector.

Why the news release can’t answer the question

Because those data points are missing, any analysis would be speculative and not grounded in the information you asked us to base our answer on.

What you can do to obtain the needed information

1. Locate the full earnings release

   • Companies that file on the OTCQB typically attach a detailed earnings press release (often a PDF) to the SEC Form 8‑K. Search the SEC’s EDGAR database for “Beach Cities Commercial Bank” and filter by filing date = 2025‑08‑05 (or shortly thereafter).
     
   • Look for the “Management Discussion & Analysis (MD&A)” section; that’s where banks normally discuss credit‑quality trends.

2. Review the accompanying financial statements

   • Balance Sheet: Check the “Loans and leases – net of allowance for loan losses” line and the “Allowance for loan losses” line. The ratio of the allowance to total loans gives a high‑level view of provisioning.
     
   • Income Statement: Look for “Provision for credit losses” (or “Loan‑loss provision”) and “Charge‑offs on loans” (often disclosed as a separate line item or in footnotes).
     
   • Notes to the Financial Statements: These often break out delinquency buckets (e.g., 30‑59 days, 60‑89 days, 90+ days) and may provide a “net charge‑off rate” as a percent of average loans.

3. Compare to industry benchmarks

   • FDIC Quarterly Banking Profile (for all U.S. banks) publishes average delinquency and charge‑off rates for each loan type (commercial, consumer, real‑estate).
     
   • S&P Global Market Intelligence and Moody’s Analytics also release quarterly credit‑quality metrics for the U.S. banking sector.
     
   • For a more “peer‑group” comparison, identify banks of similar size (total assets ≈ $200‑$400 million, given BCCB’s recent launch) and look at their public filings.

4. Management commentary

   • Even if the raw numbers are near‑average, management may highlight trends (e.g., “our delinquency rate held steady at 0.68 % versus the industry average of 0.71 %”) or explain why provisions have risen (e.g., “anticipating higher credit‑risk in the commercial real‑estate segment”).
     

5. Contact Investor Relations

   • If the public filings are still pending (common for a newly public OTCQB bank), you can request the latest credit‑quality metrics directly from BCCB’s investor‑relations email (often listed on the company’s website).

How a typical analysis would look (illustrative only)

Below is an example of the kind of narrative you would write *once** you have the numbers. Do not treat this as factual for BCCB—it merely shows the structure of a comprehensive answer.*

Interpretation (illustrative):

• Delinquency trend: BCCB’s delinquency rate has been improving quarter‑over‑quarter (down 4 bps YoY) and is now slightly below the industry average, suggesting a relatively healthy loan book.
• Charge‑offs: Net charge‑offs have also fallen, indicating that the bank’s collection efforts and underwriting standards are effective.
• Provisioning: The provision for credit losses has been trimmed modestly, reflecting management’s confidence that future losses will be lower. The allowance ratio remains comfortably above the industry average, providing a solid cushion.
• Overall credit quality: All three key indicators point to better‑than‑average credit quality for BCCB at this point in its early operating history.

Again, the above table and commentary are *hypothetical** and would need to be populated with the actual figures from the bank’s filing.*

Bottom line

• From the information you posted alone, we cannot determine how BCCB’s credit‑quality indicators are trending, nor can we compare them to industry averages.
• To answer the question definitively, you’ll need to locate the complete earnings release (or the SEC Form 8‑K) that contains the loan‑portfolio details, then benchmark those numbers against the latest FDIC or S&P Global industry data.
  

If you obtain those numbers and would like help interpreting them, feel free to share them and I can provide a detailed comparative analysis.