Banc of California (Los Angeles, CA)
Banc of California (Los Angeles, CA) reported total assets of $34.9 bn at Q2 2026, up 2.2% on a year earlier, the 62nd largest of 497 banks in our US coverage. The CET1 capital ratio at Banc of California (Los Angeles, CA) was 12.68%. Banc of California (Los Angeles, CA) held deposits of $28.2 bn. Source: FDIC Call Reports.
Key takeaways
- Banc of California (Los Angeles, CA) reports one of the lowest return on equity (ROE) readings among banks of $10 bn to $100 bn: -7.92% at , where the median of the 126 banks is 10.71% (FDIC Call Reports).
- The return on assets (ROA) of Banc of California (Los Angeles, CA), -0.88% at , places Banc of California (Los Angeles, CA) in the bottom tenth of banks of $10 bn to $100 bn (group median 1.25%; FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, Banc of California (Los Angeles, CA) slipped from 225th to 268th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets Banc of California (Los Angeles, CA) apart
- Few banks of $10 bn to $100 bn report a higher noncurrent loans to total loans than Banc of California (Los Angeles, CA), at 2.34% in against a group median of 0.66%.
- Banc of California (Los Angeles, CA) has one of the highest net charge-offs to average loans readings among banks of $10 bn to $100 bn: 1.39% at , against a median of 0.14% across 126 banks.
- Since , Banc of California (Los Angeles, CA) has taken over 2 institutions; the latest was Banc of California, National Association on .
How large is Banc of California (Los Angeles, CA)?
The balance sheet of Banc of California (Los Angeles, CA) at : assets $34.9 bn, deposits $28.2 bn, net loans $24.9 bn (loans equal to 88.18% of deposits). Securities make up 12.8% of total assets at Banc of California (Los Angeles, CA). Since , when Banc of California (Los Angeles, CA) held $20.9 bn, its assets grew 66.8%. In the year to , deposits at Banc of California (Los Angeles, CA) rose 2.0% while its total assets rose 2.2%. At , Banc of California (Los Angeles, CA) employed 1,911 full-time equivalent staff across 87 offices, about $18.3 mn of assets per employee and $324.4 mn of deposits per office.
How much funding at Banc of California (Los Angeles, CA) is uninsured?
At Banc of California (Los Angeles, CA), uninsured deposits (above the FDIC limit) made up 28.88% of domestic deposits at (+0.01 pp on a year earlier); Banc of California (Los Angeles, CA) ranks 331st of 500 on this measure. In dollars, Banc of California (Los Angeles, CA) estimated $8.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $28.2 bn | +2.0% | 61st of 499 |
| Net loans and leases | $24.9 bn | +1.6% | 57th of 500 |
| Loan-to-deposit ratio | 88.18% | -0.30 pp | 230th of 500 |
| Tier 1 leverage ratio | 9.64% | -0.78 pp | 352nd of 500 |
| Total risk-based capital ratio | 13.74% | -1.90 pp | 276th of 448 |
| Net interest margin | 3.31% | +0.06 pp | 346th of 500 |
| Return on assets (ROA) | -0.88% | -1.46 pp | 497th of 500 |
| Efficiency ratio | 61.49% | -1.28 pp | 350th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $212.2 mn | Narrowed by $21.6 mn | |
| Noncurrent loans to total loans | 2.34% | +1.06 pp | 469th of 500 (1 = lowest) |
| Net charge-offs to average loans | 1.39% | +0.90 pp | 477th of 500 (1 = lowest) |
US rank of Banc of California (Los Angeles, CA): 1 = highest unless marked 1 = lowest.
Balance sheet
Banc of California (Los Angeles, CA): assets, deposits and loans
- Total assets $34.9bn
- Deposits $28.2bn
- Net loans $24.9bn
Capital and securities
The CET1 ratio of Banc of California (Los Angeles, CA) stood at 12.68% in , -0.53 pp year on year. Low and high at Banc of California (Los Angeles, CA) since : 9.32% () to 14.17% (). Equity capital of Banc of California (Los Angeles, CA) at : $3.8 bn, or 10.8% of total assets. Banc of California (Los Angeles, CA) also reported a total capital ratio of 13.74% for , and a tier 1 leverage ratio of 9.64%.
The available-for-sale portfolio of Banc of California (Los Angeles, CA) showed an unrealized loss of $212.2 mn at ; the loss narrowed by $21.6 mn over the year.
Banc of California (Los Angeles, CA): capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.6%
Banc of California (Los Angeles, CA): unrealized securities gains and losses
- Available for sale -$212mn
- Held to maturity $0
Profitability and loan quality
For the year to , Banc of California (Los Angeles, CA) earned a return on equity of -7.92%; return on assets: -0.88%. Net interest margin at Banc of California (Los Angeles, CA): 3.31%, +0.06 pp in a year. Banc of California (Los Angeles, CA) net income: -$152.3 mn, down 253.2% year on year. The efficiency ratio of Banc of California (Los Angeles, CA) was 61.49%: about 61 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 2.34% of total loans at Banc of California (Los Angeles, CA); net charge-offs: 1.39% of average loans. Gross loans and leases at Banc of California (Los Angeles, CA): $25.1 bn, up 1.7% in a year.
Banc of California (Los Angeles, CA): profitability
- Return on equity -7.9%
- Net interest margin 3.3%
- Return on assets -0.9%
Peer group of Banc of California (Los Angeles, CA)
The peer group of Banc of California (Los Angeles, CA) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Banc of California (Los Angeles, CA) (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in California. Against them, Banc of California (Los Angeles, CA) shows CET1 ratio 12.68% against a peer median of 13.02%, return on equity -7.92% against a peer median of 10.06% and uninsured deposit share 28.88% against a peer median of 38.44%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Atlantic Union Bank | State member bank | VA | $38.0 bn | 13.02% | 10.57% | 36.36% | |
| Hancock Whitney Bank | State nonmember bank | MS | $36.3 bn | 12.86% | 8.29% | 52.01% | |
| Commerce Bank | State member bank | MO | $35.0 bn | 15.11% | 11.77% | 38.59% | |
| Banc of California | State member bank | CA | $34.9 bn | 12.68% | -7.92% | 28.88% | |
| BankUnited | National bank | FL | $34.9 bn | 13.01% | 9.55% | 57.91% | |
| First National Bank of Omaha | National bank | NE | $34.2 bn | 12.64% | 15.91% | 33.93% | |
| United Bank | State member bank | VA | $33.6 bn | 13.69% | 9.36% | 38.29% | |
. FDIC Call Reports.
Last eight quarters
Two years at Banc of California (Los Angeles, CA), to : assets +4.7%, deposits +4.4%, equity -3.9%. Staff 1,957 to 1,911.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $33.3 bn | $33.5 bn | $33.7 bn | $34.2 bn | $33.9 bn | $34.7 bn | $34.6 bn | $34.9 bn |
| Total deposits | $27.0 bn | $27.4 bn | $27.5 bn | $27.7 bn | $27.3 bn | $28.0 bn | $27.4 bn | $28.2 bn |
| Bank equity capital | $3.9 bn | $3.9 bn | $3.9 bn | $3.8 bn | $3.8 bn | $3.9 bn | $3.9 bn | $3.8 bn |
| CET1 ratio | 14.08% | 14.17% | 13.74% | 13.21% | 13.42% | 13.15% | 13.50% | 12.68% |
| Return on equity (ROE) | 3.68% | 4.47% | 6.55% | 5.17% | 6.19% | 6.92% | 8.31% | -7.92% |
| Uninsured share of domestic deposits | 27.57% | 27.91% | 29.40% | 28.87% | 29.56% | 29.16% | 29.85% | 28.88% |
| Full-time equivalent employees | 1,957 | 1,897 | 1,866 | 1,903 | 1,899 | 1,902 | 1,941 | 1,911 |
| Number of offices | 87 | 87 | 87 | 87 | 87 | 87 | 87 | 87 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Banc of California (Los Angeles, CA), oldest first; figures before and after each event are not like for like.
- . Absorbed Square 1 Bank (FDIC certificate 58021).
- . Absorbed California United Bank (FDIC certificate 57904).
- . Absorbed Banc of California, National Association (FDIC certificate 35498).
Questions and identifiers
What were the total assets of Banc of California (Los Angeles, CA)?
Banc of California (Los Angeles, CA) reported $34.9 bn at in its Call Report. That makes Banc of California (Los Angeles, CA) the 62nd largest of 497 banks in our US coverage.
Is Banc of California (Los Angeles, CA) the same as its holding company?
No. This page covers Banc of California (Los Angeles, CA), FDIC certificate 24045; BANC OF CALIFORNIA INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Banc of California (Los Angeles, CA) profitable?
Banc of California (Los Angeles, CA) reported net income of -$152.3 mn for the year to ; annualized return on equity: -7.92%. So no: Banc of California (Los Angeles, CA) made a loss over these months.
When is data for Banc of California (Los Angeles, CA) next updated?
Figures from Banc of California (Los Angeles, CA) for are due after .
Where can I check the figures for Banc of California (Los Angeles, CA)?
In the FDIC BankFind Suite record for certificate 24045, and in the Call Reports of Banc of California (Los Angeles, CA) (RSSD ID 494261) at the FFIEC Central Data Repository.