Banc of California
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Data as of · sourced from FFIEC call reports. How we update
Banc of California is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1982 (FDIC certificate 24045), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $34.90B, up 2.2% from Q2 2025, the 3rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.68% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24045
- Headquarters
- Los Angeles, CA
- Established
- 1982
- Total assets, Q2 2026
- $34.90B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 12.68%
- Domestic offices
- 87 FDIC institution directory, current count
- Routing number
- 122238200
- Latest call report
- Q2 2026, FFIEC 041 · Banc of California call report
- Holding company
- BANC OF CALIFORNIA, INC.
- Asset rank in state
- 3rd of 113 in California
Problem loans are rising at Banc of California. It reported $34.9 billion in assets at June 30, 2026, up 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.20% of loans from 1.13% a year earlier. It loses about $2.68 a year on every $100 of assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also carries problem assets equal to 15.4% of the capital and reserves that would absorb them, 3.7 times the median of 4.2% for banks its size.
It lost $233 million in the quarter. The non-owner-occupied commercial real estate book ($2.6 billion) is worsening: 9.33% of it is past due or on nonaccrual, up from 6.23% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Banc of California reported a CET1 capital ratio of 12.68%, a return on assets of -2.68%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 15.41%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Banc of California is the 3rd largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $34.90B, loans rose 0.3% and deposits rose 2.8%. The largest part of its loan book on June 30, 2026 was multifamily loans, at 23.4% of total loans, ahead of loans to nondepository financial institutions at 20.8%. Its 79 offices in the FDIC Summary of Deposits are in 72 cities across 3 states; its Los Angeles 5 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Banc of California meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11611 San Vicente Blvd, Los Angeles, CA 90049
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 26, 1982
- Former names
- Pacific Western Bank (2006-2023); Pacific Western National Bank (2002-2006)
- Domestic offices
- 87 FDIC institution directory, current count
- Employees (FTE)
- 1,911
- Domestic deposits
- $28.22B
- Allowance for credit losses
- $243.3M
- Net charge-offs (YTD)
- $174.1M
- Average total assets
- $34.76B
- Average total loans
- $25.00B
- Average interest-bearing deposits
- $19.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- August 26, 1982
- FDIC Cert
- 24045
- Fed RSSD
- 494261
- SEC CIK
- 1169770 → filed by BANC OF CALIFORNIA, INC.
- Website
- www.bancofcal.com →
- Parent Holding Company
- BANC OF CALIFORNIA, INC. (RSSD 3153130) · BANC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jared M Wolff | CEO | CHAIRMAN AND CEO |
| Hamid Hussain | PRES | PRESIDENT OF THE BANK |
| Joseph Kauder | CFO | CHIEF FINANCIAL OFFICER |
| John K Sotoodeh | COO | CHIEF OPERATING OFFICER |
| Ido Dotan | GC | GENERAL COUNSEL, CORP SECRTY |
| Olivia I Lindsay | CRO | CHIEF RISK OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Banc of California's total assets moved between a low of $33.35B (Q3 2024) and a high of $38.37B (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$34.90B total assets against $34.16B; $31.13B total liabilities against $30.40B.
$24.88B net loans and leases against $24.48B; $28.22B total deposits against $27.67B.
$4.48B securities against $4.56B; $2.80B cash and balances due against $2.35B.
$414.6M total interest income against $420.5M; $151.9M total interest expense against $167.9M.
$262.7M net interest income against $252.6M.
$17.6M total noninterest income against $31.2M; $187.6M total noninterest expense against $183.7M.
$161.8M provision for credit losses against $39.1M.
-$233.0M net income against $35.6M.
-2.68% return on assets against 0.42%; 3.24% net interest margin against 3.23%.
12.68% CET1 capital ratio against 13.21%; 9.64% tier 1 leverage ratio against 10.42%.
Inside the full Banc of California terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Banc of California rankings
Its closest position to the top of a national ranking is 61 of 4,196, for total assets; its furthest is 3,594 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.68% (Q2 2026) to 1.03% (Q4 2025) and its net interest margin ran from 3.12% (Q3 2024) to 3.39% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.68% | -2.68% | 2.34% | 15.41% | 3.24% |
| Q1 2026 | 13.50% | 0.95% | 1.33% | 8.28% | 3.32% |
| Q4 2025 | 13.15% | 1.03% | 1.13% | 7.06% | 3.37% |
| Q3 2025 | 13.42% | 0.93% | 1.34% | 7.95% | 3.39% |
| Q2 2025 | 13.21% | 0.42% | 1.28% | 7.88% | 3.23% |
| Q1 2025 | 13.74% | 0.76% | 0.97% | 5.44% | 3.21% |
| Q4 2024 | 14.17% | 0.78% | 0.88% | 5.01% | 3.23% |
| Q3 2024 | 14.08% | 0.24% | 0.75% | 4.29% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 79 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Banc of California (main office) | Los Angeles , CA | 90049 | $11.20B |
| Durham Branch | Durham , NC | 27701 | $7.09B |
| Olympic-Los Angeles Branch | Los Angeles , CA | 90064 | $641.6M |
| Beverly Hills Branch | Beverly Hills , CA | 90212 | $568.4M |
| San Diego Main Branch | San Diego , CA | 92101 | $425.6M |
| Encino Branch | Encino , CA | 91436 | $411.3M |
| Gardena Branch | Gardena , CA | 90248 | $342.1M |
| Anaheim Branch | Anaheim , CA | 92806 | $332.4M |
| Escondido Branch | Escondido , CA | 92025 | $295.7M |
| Brea Branch | Brea , CA | 92821 | $287.5M |
| Indian Wells Branch | Indian Wells , CA | 92210 | $248.0M |
| Rancho Cucamonga Branch | Rancho Cucamonga , CA | 91730 | $247.4M |
| South Syracuse Branch | Denver , CO | 80237 | $236.4M |
| Century City Branch | Los Angeles , CA | 90067 | $214.6M |
| San Luis Obispo Branch | San Luis Obispo , CA | 93401 | $200.4M |
| Fresno Branch | Fresno , CA | 93704 | $193.0M |
| Westlake Village Branch | Westlake Village , CA | 91361 | $178.8M |
| Los Angeles Main Branch | Los Angeles , CA | 90017 | $163.4M |
| Temecula-Ynez Branch | Temecula , CA | 92591 | $156.8M |
| Redlands Branch | Redlands , CA | 92373 | $151.2M |
| Fallbrook Branch | Fallbrook , CA | 92028 | $144.6M |
| Solvang Branch | Solvang , CA | 93463 | $142.2M |
| Whittier Branch | Whittier , CA | 90602 | $141.9M |
| La Habra Branch | La Habra , CA | 90631 | $136.9M |
| IrvineNewport Office | Irvine , CA | 92612 | $130.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2023 | Structure Change | Acquired Banc of California, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2019 | Structure Change | Acquired Bfi Business Finance Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2017 | Structure Change | Acquired California United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 20, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2015 | Structure Change | Acquired Square 1 Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 8, 2014 | Structure Change | Acquired Capitalsource Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2013 | Structure Change | Acquired First California Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2012 | Structure Change | Acquired American Perspective Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2010 | Structure Change | Acquired Los Padres Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 20, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 29, 2009 | Structure Change | Acquired Affinity Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 28, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 8, 2008 | Structure Change | Acquired Security Pacific Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 7, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 27, 2006 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 2006 | Structure Change | Acquired Foothill Independent Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 4, 2006 | Structure Change | Acquired Cedars Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2005 | Structure Change | Acquired Pacific Liberty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2005 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 2004 | Structure Change | Acquired Harbor National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 16, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 23, 2003 | Structure Change | Acquired Verdugo Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 22, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 2002 | Structure Change | Acquired Marathon National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 2002 | Structure Change | Acquired Upland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2002 | Structure Change | Acquired First Community Bank of the Desert Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2001 | Structure Change | Acquired First Charter Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 41 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 1, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.1% of deposits in CA, rank 11 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 61 loans, $112.0M approved, $1.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 10 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Banc of California
What are Banc of California's total assets?
As of the Q2 2026 filing, Banc of California reported total assets of $34.90 billion in its FFIEC call report.
Where is Banc of California headquartered?
It is headquartered in Los Angeles, CA, United States.
When was Banc of California founded?
It was established in 1982, per the FDIC institution directory.
Is Banc of California FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24045). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Banc of California?
Banc of California's primary federal regulator is the Federal Reserve.
What is Banc of California's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.68% in its Q2 2026 call report, above regulatory requirements.
How many branches does Banc of California operate?
It operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Banc of California's Texas Ratio?
Its Texas Ratio is 15.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Banc of California previously called?
The charter now named Banc of California has also operated as Pacific Western Bank (2006-2023), Pacific Western National Bank (2002-2006), per FDIC structure-change records.
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