About Us

Our Philosophy

Treating people well is the number one goal at Beach Cities Commercial Bank. That starts with everyone who is a part of our team and extends to each and every customer who does business with us. We want to get to know you, your goals, and your dreams. Then we want to look at what can be done instead of telling you all the obstacles that stand in your way. We believe in the human spirit and the ingenuity that so many of our customers bring with them. We also know the challenges faced in the business climate and want to help you navigate all the financial hurdles that come with running your company.

The goal for everyone on the team is to be that go-to person that the customer calls when they have a need. You’re not just helping the business owner- you’re helping everyone that depends on them - their families and employees. Jeffrey RedekerPresident

How We Started

Beach Cities Commercial Bank started with a deep desire to change the way banking is done. Jeffrey Redeker and Kent Falk both witnessed firsthand the frustrations customers experience when dealing with the banking system. So often larger institutions seemed to look for ways not to do business rather than finding creative solutions. In the aftermath of the pandemic, they came together with the idea of forming a different banking experience - one that was proactive for the customer rather than reactive and hindered by layers of bureaucracy. Today, Beach Cities Commercial Bank is committed to creating the most hands-on experience for you, the customer. Each officer of the bank is available to speak with you should the need arise. This is your bank, and we are here to respond to your needs.

News, Press Releases, & More

  • December 19, 2023 | MediaLine Communications | BCCB Partners with 'My Own Case' Initiative to Support Foster Youth


  • December 2023 | Beach Cities Commercial Bank | BCCB Gives Back During the Holiday Season


  • July 3, 2023 | Orange County Business Journal | Beach Cities Commercial Bank Opens in Irvine


Our Newsletters


Chief Executive Officer (CEO) & Director - Hollister Kent Falk

H. Kent Falk serves as the Chief Executive Officer (CEO) and Director of Beach Cities Commercial Bank. He brings over 49 years of banking experience. Kent started his career as a storeroom clerk at Bank of America. Over his career he has held numerous senior level roles, including executive management positions in credit management, business development, and commercial lending for independent banks and major financial institutions primarily in Orange County, CA. He has been a member of the Board Compliance Committee, Board Loan Committee, CRA Committee, ALCO Committee, and the Executive Management Committee of various banks. He served as SVP and Credit Administrator of Capital Bank, based in San Juan Capistrano, CA. During his tenure, he was a key management participant in the bank’s two regulatory examinations and interacted with the bank’s outside loan review consultants. Prior to Capital Bank he was President and CEO of two banks, guiding the turnaround of a troubled bank back to profitability.

Kent has also received numerous degrees and certificates in banking and finance. In 1977, he received a Bachelor of Science degree in Managerial Finance from Cal State University Long Beach; in 1991, he was awarded an Appraisal certificate from California State University Fullerton; in 1992 he earned a Compliance Certificate from the National American Association Compliance Graduate School in Norman, Oklahoma; and in 2009, he graduated from the RMA-Stonier Banking School, University of Pennsylvania in Philadelphia, Pennsylvania, presenting his Capstone on Mergers and Acquisitions.

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President & Director – Jeffrey S. Redeker

Jeffrey S. Redeker serves as the President and Director of Beach Cities Commercial Bank. Jeffrey started his banking career in 1994 at El Dorado Bank. He later moved to Dana Niguel Bank and then Sun Country Bank. In 2000, he became the Vice President/SBA Department Manager at South County Bank in Rancho Santa Margarita. He also served as SVP of SBA and Regional Manager at Capital Bank and Partners bank of California respectively. He has over 29 years of banking experience, primarily in management, SBA management, and business development positions in Southern California. Before organizing Beach Cities Commercial Bank, he served as SVP, Senior Relationship Manager at Cal Private Bank, based in La Jolla, California. During his tenure he was assigned to the Newport Beach office and was responsible for business development as well as recruiting relationship managers and support staff.

Jeffrey has always been active in the local community. He is currently the Chairman of the Government Affairs Committee for the Laguna Beach Chamber of Commerce and has served two terms as Chairman of the Board. He is the past President of the Laguna Beach Rotary Club, and former Chairman of the Laguna Board of Realtors Affiliate Committee. He is also an active member of the Irvine Chamber of Commerce and Chairman and Founder of the Grapes for Grads Scholarship Fundraiser (18 years), one of Orange County’s most successful fundraisers and wine tasting events.

EVP / Chief Credit Officer (CCO) – Matt Blackmer

Matt Blackmer serves as the Chief Credit Officer (CCO) for Beach Cities Commercial Bank. Matt brings over 30 years of banking experience and has primarily been responsible for managing credit teams in Southern, California including offices in Los Angeles, Torrance, Encino, Pasadena, City of Industry, Costa Mesa, and San Diego. Matt has led numerous credit teams including Senior Credit Product Officers, Senior Portfolio Management Officers, and junior underwriters to achieve balance sheet, revenue, asset quality, NIM, and all other pertinent credit metrics. He has served in large banks such as Bank of America and Wells Fargo Bank and smaller community banks such as Shoreline Bank in WA. Most recently from 2016 through 2022, he was SVP, Business Banking Team Lead at California Bank & Trust, responsible for a start-up Business Banking unit for Los Angeles and Orange County, CA.

Matt graduated in 1999 from Central Washington University with a Bachelor of Science in Business Management and Economics and in 2009 graduated from Pacific Coast Banking School. He currently resides in Dana Point, CA.

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Headshot - Najam

EVP / Chief Financial Officer (CFO) – Najam Saiduddin

Najam Saiduddin serves as Chief Financial Officer (CFO) for Beach Cities Commercial Bank. Mr. Saiduddin has served as a CFO / EVP for the past 30 years in various community banks in Southern California. Prior to being a CFO, he was Controller at Security Pacific State bank and a Corporate Services Auditor at an $80 billion financial institution. He has a CPA certification and CIA (both inactive status) with a Bachelor’s degree in Accounting and Management Information Systems emphasis. Najam was employed at California Business Bank as their CFO, Corporate Secretary, and Bank’s security Officer. Prior to California Business Bank, he was a CFO at South County Bank (name changed to CalWest Bank). Najam along with a group of other bankers started South County Bank in Rancho Santa Margarita, CA as a de novo bank in October 1999.

Najam volunteers his time by serving on the investment committee for New Horizon School (private school kindergarten through middle school). Previously, he volunteered as the Treasurer/CFO for New Horizon School in Irvine for over 10 years.

EVP / Chief Operating Officer (COO) – Nasrin Rostami

Nasrin Rostami serves as Chief Operating Officer (COO) for Beach Cities Commercial Bank. Nasrin has over 30 years of banking experience, primarily in management, operations, compliance, risk management, BSA (Bank Secrecy Act) and information technology positions for community banks and major financial institutions in San Diego, CA. Most recently she served as Chief Risk Officer (CRO) of Endeavor Bank, San Diego, where she worked with the management team to open the bank for business in January 2018 and during its de novo stage. Prior to joining Endeavor, she was part of the executive team involved in all activities associated with opening San Diego Trust Bank (SDTB) in 2003. She served at SDTB as the EVP/Risk Management until 2013 when the Bank was acquired by Pacific Premier Bank. From 2013 to 2015 during her time at Pacific Premier Bank, she served as the CRO, headquartered in Irvine, CA.

Nasrin received a Bachelor of Science degree in Business Administration, minor in Accounting from United States International University, San Diego, CA. She has also been a Certified Anti-Money Laundering Specialist (CAMS) since 2007 and a Certified Fraud Examiner (CFE) since 2013.

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 Headshot - Debora Edson (Deb)

EVP / Chief Risk Officer (CRO) – Debora Edson

Debora Edson serves as Chief Risk Officer (CRO) for Beach Cities Commercial Bank. She has over 35 years of banking experience, primarily in an Operational and Risk capacity, though she has worked in virtually every department of a financial institution over the course of her career. Debora’s most recent position was as First Vice President, Enterprise Risk Administrator with Pacific Premier Bank (PPB).

From 2014 through 2017 she served as SVP, Risk Manager and Operations Manager at Plaza Bank, Irvine, CA. During her tenure at Plaza Bank, she implemented an enterprise risk management software system for Risk Management and Internal Audit.

Debora has a Bachelor of Arts degree from Colorado State University and a Certificate in Fundraising from the University of California-Irvine. Debora’s past volunteer experience includes serving as a board member for Mary Erickson Community Housing in San Clemente, and providing Universal Banker Training in partnership with Working Wardrobes. An avid wildlife enthusiast, Ms. Edson served as a board member for The Roar Foundation/Shambala Preserve, a wildlife sanctuary founded by actress Tippi Hedren, and Paws of the Planet, a non-profit she also helped organize. She was also a Hero of the Heart recipient from Children’s Hospital Orange County for her work with Court Appointed Special Advocates.

Board of Directors

Director / Chairman of the Board – Frank J. Ford Jr.

Mr. Ford is a retired banker with over 41 years banking experience. He is an outside, independent director and non-executive Chairman of the Board. He most recently served as EVP and Chief Loan Officer of Seacoast Commerce Bank after Seacoast’s acquisition of Capital Bank, San Juan Capistrano (from October 2017 to August 2019). He joined Capital Bank August 2007 while it was in organization and worked with CEO Kent Falk, President Jeffrey Redeker and directors James Heinrich and Rick Bosemer. From October 2005 to August 2007, he served as SVP and Senior Lender at Pacific Western Bank (successor to Pacific Liberty Bank), Huntington Beach, CA.

Mr. Ford has been a member of STCC since 2012 (Scottish Terrier Club of California) and has been on its Board of Directors since 2016. He currently serves on STCC’s Legislative Committee and has served as Chairman of two annual events.

Mr. Ford received a Bachelor of Science degree in Business Management in 1977 from California State Polytechnic University, Pomona, CA. He currently resides in Huntington Beach, California and has been a resident of Orange County for over 43 years.

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Director / Vice Chairperson of the Board – Angela L. Bienert

Ms. Bienert has over 31 years of banking experience. She began her banking career in 1985 with Wells Fargo Bank (previously Crocker Bank) as a Merchant Teller. From September 1990 through April I994 she was a loan secretary at Sun Country Bank, where she gained experience in document preparation, construction funds control, and reconciliation of loan disbursements. She has worked with various banks and has assisted with the organization of Premier Service Bank, which opened in 2001. During her tenure at Premier Service Bank, she progressed to the position of EVP and Chief Credit Officer. After deciding to do bank consulting in October 2013, she retired in May 2021. She recently ended her retirement, however, electing to assist her husband, Thomas H. Bienert Jr., as Administrator of his law firm, Bienert Katzman Littrell Williams LLP, in San Clemente, CA.

In addition to a long career in banking, Ms. Bienert also served on several non-profit boards, such as Habitat for Humanity’s Riverside Affiliate (seven years), Mend Poverty (two years), and the Unforgettables Foundation, a non-profit dedicated to assisting at-risk and grieving families with finances, helping them afford a timely and dignified funeral for their child (six years). She was an executive board member for all organizations and enjoyed her tenure and the contributions she was able to make.

Director – James Richard (Rick) Bosemer

Since 1985, Mr. Bosemer has served as President of Accelerated Funding Government Loans, Inc., a California corporation, and as President of Accelerated Funding, Inc., a Nevada Corporation. Both offices specialize in First Trust Deed, Conventional and Government loans, in addition to Reverse Mortgages. Accelerated Funding Government Loans, Inc. is HUD approved to originate FHA Title II Loans and Reverse Mortgages. The Company is also a HUD-approved 203K lender and a HUD REO-approved lender (Santa Ana Field Office). Mr. Bosemer was a Founding Member of the Loan and Marketing Committee, and Member of the Board of Directors of Capital Bank of San Juan Capistrano from its inception in 2008 until it was sold in 2017.

Mr. Bosemer received a Bachelor of Science degree in Business Administration from the University of Southern California in 1975, with an emphasis in real estate, marketing and finance. He has held a California Real Estate Broker’s License and Nevada Mortgage Lending Division Broker’s License since 1976.

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Director – Mark C. Burkhardt, M.D.

Dr. Burkhardt has been an anesthesiologist at Mission Viejo Anesthesia Consultants since 1998 and has served as President and CEO since 2017. He has been a board member of Wellness Clinic of Orange County since 2018. In addition, he has worked with Mission Hospital Regional Medical Center in Mission Viejo since 1997, Children’s Hospital of Orange County in Mission Viejo, and Mission Ambulatory Surgicenter in Mission Viejo. He also serves on the Medical Executive Committee for the Surgical Center Irvine and for Mission Ambulatory.

Dr. Burkhardt received a Bachelor of Science degree in Biochemistry from UCLA in 1988 and a medical degree from the UCI College of Medicine in 1993. He completed his residency in Anesthesiology at the UCSD Medical Center from 1994 to 1997 and was the Anesthesiology Chief Resident from 1996 to 1997. He furthered his education from September 1997 through March 1998 with a University of Iowa Pediatric Neuroanesthesia Fellowship. He received Board Certification in 1998 from the American Board of Anesthesia.

Dr. Burkhardt presently resides in Laguna Hills, California and has been a resident of Orange and San Diego Counties for over 28 years.

Director – Richard Ham

Mr. Ham has a twenty-year history in the hotel and restaurant business. He has created quality hospitality experiences across several sectors including lodging, food and beverage, and guest entertainment. He is currently the owner and CEO of RCH Hospitality, Inc., Mission Viejo, California. He has been Managing Partner of Casa Resorts, Inc. since June 2002 and President and CEO of Eight88Hospitality since May 2018. He also owns and operates several other companies in the hospitality business. He acquired his first hotel in Laguna Beach in 2002. As CEO of Eight88 Hospitality, he brings a thorough knowledge of the hospitality industry, commitment to quality service, and unwavering attention to detail.

His career in the hospitality industry began with Hilton Hotels Corporation, where he managed up to 1,200 team members at several brand flagships, including Hilton Portland, Hilton Anaheim, and Hilton Costa Mesa. During his time with Hilton Hotels, he developed and incorporated operational strategies that dramatically increased gross revenues.

Mr. Ham graduated in 1991 from Long Beach State University with a Bachelor of Science degree in Political Science and received a Finance Certification in 1996 from Cornell University. He has lived and worked in the Orange County market area for over 20 years.

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Director – James A. Heinrich, M.D.

Dr. Heinrich is a facial plastic surgeon who specializes in performing cosmetic and reconstructive surgery to the face, head, and neck region. He received his Doctor of Medicine degree from Loma Linda University in 1988. The following year he completed his post-graduate internship and surgery training at Loma Linda Medical Center. Dr. Heinrich completed four years in Otolaryngology-Head and Neck surgery at Loma Linda University Medical Center. During his Head and Neck training, he developed a strong interest in plastic surgery. He went on to complete a one-year fellowship specializing in Facial Plastic and Reconstructive Surgery of the head and neck at the University of Illinois.

Dr. Heinrich did extensive training in laser technology and currently offers the most advanced laser procedures utilizing state-of-the-art lasers. He also worked extensively in the diagnosis, treatment and reconstruction of all types of skin cancer while training and continues to utilize that expertise in his practice. He has a keen interest in not only treating skin cancer, but also utilizing varying modalities to prevent skin cancer.

In 1999, Dr. Heinrich founded Pacific Coast Cosmetic & Laser Medical Center, Inc., a comprehensive aesthetic laser center in Mission Viejo, CA, offering a wide variety of both surgical and non-surgical procedures all done by Dr. Heinrich. He also serves as a member of the Board of Directors of the Mission Hospital Foundation and is board certified by the American Board for Otolaryngology Head and Neck Surgery and for Facial Plastic and Reconstructive Surgery.

Director – James Riskas

Mr. Riskas is the founder, President and CEO of RNE Investments, Inc., a company that manages a diverse investment portfolio, including commercial real estate, robotic engineering, vineyard management, and marketing.

Prior to RNE Investments, he was the majority owner, President and CEO of SuttCor International and Polaris Properties, Inc. where he provided financial planning and asset management and offered private syndication investments for approximately 400 high-income and high-net-worth individuals, including physicians and professional athletes.

Mr. Riskas has served on the boards of several organizations, including the Wildlife Waystation, The Literacy Project Foundation, and the Orange County Technology Foundation. He was the first individual to receive the Red Apple Award from the Saddleback Unified School District and was the inaugural recipient of both the Businessman of the Year Award in 2006 and the Business of the Year Award in 2015 from Rancho Santa Margarita, CA.

He also received the Orange County Board of Education “Outstanding Contribution to Education” Award in 2014, among many other acknowledgments for his contribution to education.

Mr. Riskas received a Bachelor of Arts degree in Economics (Cum Laude) from UCLA in 1974, and a Master’s degree in Accounting and Finance (Summa Cum Laude).

Mr. Riskas presently resides in Dana Point, California and has been a resident of Orange County for over 44 years.

 Headshot - James Riskas (Jim)


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