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Banc of California

$10B-$250B Specialty: Commercial CA FDIC cert 24045

Los Angeles, CA

87 branches across CA · CO · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
  • Deposits +2.0% year over year ($28.2B on the books).
  • Delinquency rate 2.36%.
  • Return on assets -0.88%.
  • Efficiency ratio 61.49% vs a 53.67% peer average.
  • Loan-to-deposit ratio 88.18% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA
View $10B-$250B leaderboard (CA) →

Banc of California faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Return on Assets 2.27% below tier average
  • - Delinquency Rate 1.35% above tier average
  • - Nonperforming Asset Ratio 1.00% above tier average
  • - Net Interest Margin 0.61% below tier average
  • - Efficiency Ratio 7.82% above tier average
Get updates when Banc of California releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $34.9B
+2.2% YoY +0.7% QoQ
-$8.7B $43.6B
-13.8% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $24.9B
+1.6% YoY +0.3% QoQ
-$3.1B $28.0B
-8.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $28.2B
+2.0% YoY +2.8% QoQ
-$7.2B $35.4B
-14.0% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? -0.88%
-248.9% YoY -194.1% QoQ
-2.27% 1.39%
+25.9% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 0.7% in tier
Net Interest Margin ? 3.31%
+1.8% YoY -0.4% QoQ
-0.61% 3.92%
+8.9% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 61.49%
-2.0% YoY +5.1% QoQ
+7.82% 53.67%
-1.9% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 2.36%
+82.9% YoY +75.2% QoQ
+1.35% 1.01%
-2.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 5.8% in tier
Loan-to-Deposit Ratio ? 88.18%
-0.3% YoY -2.4% QoQ
+5.57% 82.61%
+3.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
38%
Non-Interest-Bearing Deposit Share ? 27.84%
+1.6% YoY -3.5% QoQ
+7.26% 20.58%
+4.9% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 1.73%
+82.0% YoY +69.8% QoQ
+1.00% 0.73%
+5.8% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 5.8% in tier
Tier 1 Capital Ratio ? 12.68%
-4.0% YoY -6.1% QoQ
-2.67% 15.35%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.14%
-22.1% YoY +54.4% QoQ
-0.35% 0.50%
+10.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
15%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 27.8%
+0.4pp YoY
-1.0pp QoQ
 +6.8pp 21.0% 25.5% 22.2% 75%
Brokered Deposits 25.6%
+3.8pp YoY
+2.3pp QoQ
 +16.4pp 9.2% 11.0% 8.5% 91%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 12.6%
+0.8pp YoY
-0.3pp QoQ
 -4.6pp 17.2% 11.8% 12.5% 36%
CRE 47.8%
-7.1pp YoY
-1.2pp QoQ
 +5.8pp 42.0% 67.5% 41.4% 60%
1-4 Family 15.5%
+2.3pp YoY
+1.3pp QoQ
 -7.7pp 23.1% 16.5% 31.3% 31%
Consumer 1.4%
-0.2pp YoY
0.0pp QoQ
 -11.5pp 12.9% 5.3% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 12.7%
-0.5pp YoY
-0.8pp QoQ
 -2.6pp 15.3% 23.7% 19.7% 42%
Leverage Ratio 9.6%
-0.8pp YoY
-1.1pp QoQ
 -0.8pp 10.4% 14.5% 12.6% 34%
Total Capital Ratio 13.7%
-1.9pp YoY
-2.2pp QoQ
 -2.8pp 16.5% 25.1% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 1,911
+8 (+0.4%) YoY
-30 (-1.5%) QoQ
 -1,347 3,258 337 482 47%
Assets per Employee ($) $18.3M
+1.7% YoY
+2.3% QoQ
 -$8.8M $27.0M $11.3M $8.8M 70%
Branch Count 87
0 YoY
0 QoQ
 -51 137 15 18 52%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.3% 0.4% n/a
Nonaccrual 2.4%
+1.1pp YoY
+1.0pp QoQ
 +1.6pp 0.7% 1.4% 1.0% 97%
Allowance Coverage 0.41x
-42.9% YoY
-42.7% QoQ
 -2.40x 2.81x 17.11x 20.23x 6%
Net Charge-off Rate (YTD) 1.4%
+0.9pp YoY
+1.2pp QoQ
 +1.0pp 0.4% 0.3% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -7.9%
-13.1pp YoY
-16.2pp QoQ
 -20.6pp 12.6% 8.2% 11.6% 0%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 2.0% 1.9% 1.7% 50%
Net Income ($, YTD) $-152251000.0
-253.2% YoY
— QoQ
 -$449.1M $296.8M $28.5M $40.4M 0%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

34
Non-Interest-Bearing Deposit Share
funding
Value: 27.84%
Peer Median: 20.58%
#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (5 metrics)

139
Return on Assets
profitability
Value: -0.88%
Peer Median: 1.39%
#139 of 139 Bottom 0.7% in $10B-$250B
132
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.73%
#132 of 139 Bottom 5.8% in $10B-$250B
131
Delinquency Rate
credit_quality
Value: 2.36%
Peer Median: 1.01%
#131 of 138 Bottom 5.8% in $10B-$250B
119
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.50%
#119 of 139 Bottom 15.1% in $10B-$250B
106
Efficiency Ratio
profitability
Value: 61.49%
Peer Median: 53.67%
#106 of 139 Bottom 24.5% in $10B-$250B
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