BlastPoint's Banking Scorecard

Banc of California

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

Los Angeles, CA

88 branches across CA · CO · NC

135 banks in the $10B-$250B peer group nationally 10 in 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

- Liquidity Strain: Bottom 8.3% in tier
- Credit Risk Growth: Bottom 35.4% in tier
- ROA 0.35% below tier average
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 4.58% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$34.6B +2.8% YoY -0.2% QoQ	-$12.7B	$47.4B -2.0% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	65%
Total Loans ?	$24.8B +3.7% YoY -0.7% QoQ	-$4.8B	$29.6B -0.4% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	69%
Total Deposits ?	$27.4B -0.3% YoY -2.0% QoQ	-$11.3B	$38.7B -1.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	64%
Return on Assets ?	0.93% +22.7% YoY +19.2% QoQ	-0.35%	1.28% +19.3% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	24%
Net Interest Margin ?	3.32% +2.6% YoY +0.0% QoQ	-0.45%	3.77% +5.6% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	58.48% -7.7% YoY -3.3% QoQ	+4.58%	53.90% -4.0% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	37%
Delinquency Rate ?	1.35% +37.9% YoY +17.7% QoQ	+0.33%	1.02% -4.1% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	90.37% +4.0% YoY +1.3% QoQ	+9.48%	80.88% +2.0% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	28.85% +0.3% YoY +1.2% QoQ	+9.02%	19.82% +0.3% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	79%
Nonperforming Asset Ratio ?	1.02% +44.0% YoY +16.4% QoQ	+0.29%	0.73% +4.0% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	Bottom 14.1% in tier
Tier 1 Capital Ratio ?	13.50% -1.8% YoY +2.6% QoQ	-2.06%	15.56% -0.1% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.09% -0.1% YoY -75.7% QoQ	-0.13%	0.23% +0.9% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Liquidity Strain

risk

#4 of 36 • Bottom 8.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.37%

(Tier: 80.88%, National: 76.69%)

worse than tier avg

36 of 36 Large banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Risk Growth

risk

#24 of 65 • Bottom 35.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

65 of 65 Large banks match · 1462 nationally

→ Stable -11 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 28.85%

Peer Median: 19.82%

#29 of 135 Top 20.7% in $10B-$250B

Top Weaknesses (4 metrics)

117

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.73%

#117 of 135 Bottom 14.1% in $10B-$250B

111

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 1.02%

#111 of 134 Bottom 17.9% in $10B-$250B

104

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.23%

#104 of 135 Bottom 23.7% in $10B-$250B

103

Return on Assets

profitability

Value: 0.93%

Peer Median: 1.28%

#103 of 135 Bottom 24.4% in $10B-$250B