Banc of California: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Subordinated notes and debentures: 100.0% lower than in Q1 2026, at $0. Banc of California ranks 59th of 74 California banks on CET1 ratio, in the lower half at 12.68% (Q2 2026). The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; Banc of California reported 12.68% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.68% |
| Tier 1 risk-based capital ratio | 12.68% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 9.64% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.29B |
| Tier 1 capital | $3.29B |
| Total risk-based capital | $3.57B |
| Total equity capital | $3.76B |
| Risk-weighted assets | $25.97B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.79% |
| Tangible equity to tangible assets | 9.99% |
| Equity capital to average assets | 10.83% |
| Internal capital growth rate | -27.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.9M |
| Common stock surplus | $7.35B |
| Retained earnings | -$3.44B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$144.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 16.37% | 8.57% | $23.97B |
| Q4 2023 | 13.27% | 13.27% | 15.75% | 9.62% | $27.27B |
| Q1 2024 | 13.34% | 13.34% | 15.88% | 9.84% | $27.45B |
| Q2 2024 | 13.77% | 13.77% | 16.19% | 10.38% | $26.82B |
| Q3 2024 | 14.08% | 14.08% | 16.61% | 10.74% | $25.97B |
| Q4 2024 | 14.17% | 14.17% | 16.65% | 11.08% | $25.91B |
| Q1 2025 | 13.74% | 13.74% | 16.22% | 10.88% | $26.04B |
| Q2 2025 | 13.21% | 13.21% | 15.65% | 10.42% | $26.29B |
| Q3 2025 | 13.42% | 13.42% | 15.94% | 10.44% | $25.96B |
| Q4 2025 | 13.15% | 13.15% | 15.62% | 10.65% | $26.94B |
| Q1 2026 | 13.50% | 13.50% | 15.97% | 10.73% | $26.65B |
| Q2 2026 | 12.68% | 12.68% | 13.74% | 9.64% | $25.97B |
Banc of California regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Banc of California, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Banc of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24045) · FFIEC NIC profile (RSSD 494261)