Banc of California: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 253.3% higher than in Q1 2026, at $915.2M. Within California, Banc of California is 65th of 114 on loan-to-deposit ratio, 89.04% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio; Banc of California reported 89.04% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.13B |
| Net loans and leases | $24.88B |
| Loans held for sale | $915.2M |
| Loans to total assets | 72.00% |
| Loan-to-deposit ratio | 89.04% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.53% |
| Multifamily (5+ residential) | 23.41% |
| Commercial and industrial | 12.48% |
| Consumer | 1.37% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.74% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.78% |
| Construction concentration (Tier 1 capital + allowance) | 52.81% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.62% |
| Interest income on loans | $351.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $22.11B | $26.78B | 15.90% | 13.07% | 1.78% |
| Q4 2023 | $25.61B | $30.58B | 19.51% | 15.18% | 1.76% |
| Q1 2024 | $25.55B | $29.12B | 19.04% | 15.22% | 1.72% |
| Q2 2024 | $25.16B | $28.99B | 18.60% | 15.96% | 1.69% |
| Q3 2024 | $23.56B | $27.02B | 19.17% | 18.39% | 1.76% |
| Q4 2024 | $23.81B | $27.38B | 19.05% | 19.18% | 1.69% |
| Q1 2025 | $24.15B | $27.52B | 18.56% | 19.63% | 1.62% |
| Q2 2025 | $24.71B | $27.67B | 18.08% | 11.71% | 1.54% |
| Q3 2025 | $24.32B | $27.34B | 17.99% | 12.25% | 1.51% |
| Q4 2025 | $25.22B | $28.00B | 17.36% | 12.41% | 1.41% |
| Q1 2026 | $25.04B | $27.44B | 16.57% | 12.77% | 1.38% |
| Q2 2026 | $25.13B | $28.22B | 16.53% | 12.48% | 1.37% |
Banc of California loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banc of California, freeSource: Call Report Schedule RC-C, 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)