Banc of California: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Banc of California of Los Angeles, CA against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -2.68% | 1.38% | -4.06% | 0th bottom |
| ROAE | -24.29% | 12.61% | -36.90% | 0th bottom |
| Net Interest Margin | 3.24% | 3.68% | -0.44% | 30th below |
| Efficiency Ratio | 64.37% | 53.72% | +10.65% | 18th bottom |
| PPNR / Avg Assets | 1.07% | 1.96% | -0.89% | 10th bottom |
| Yield on Earning Assets | 5.11% | 5.57% | -0.46% | 33rd below |
| Cost of Funds | 2.01% | 1.99% | +0.02% | 43rd below |
| Net Interest Spread | 2.43% | 2.98% | -0.55% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.45% | 1.03% | +2.42% | 2nd bottom |
| NPA / Total Assets | 2.53% | 0.74% | +1.79% | 1st bottom |
| NCO / Avg Loans | 2.56% | 0.34% | +2.22% | 2nd bottom |
| ACL / Total Loans | 0.97% | 1.38% | -0.41% | 23rd bottom |
| ACL / NPLs (Coverage) | 28.10% | 211.58% | -183.48% | 3rd bottom |
| Texas Ratio | 23.84% | 10.12% | +13.72% | 3rd bottom |
| Provision / NCO | 98.68% | 107.50% | -8.82% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.68% | 14.76% | -2.08% | 41st below |
| Tier 1 Ratio | 12.68% | 14.88% | -2.20% | 40th below |
| Total Capital Ratio | 13.74% | 16.10% | -2.36% | 37th below |
| Leverage Ratio | 9.64% | 10.27% | -0.63% | 30th below |
| Equity / Assets | 10.79% | 11.55% | -0.76% | 36th below |
| TCE / Tangible Assets | 9.99% | 9.47% | +0.52% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.04% | 83.84% | +5.20% | 40th below |
| Core Deposit Ratio | 71.27% | 86.90% | -15.63% | 8th bottom |
| Uninsured Deposit Ratio | 28.88% | 39.03% | -10.15% | 76th top |
| Wholesale Funding Ratio | 7.05% | 5.64% | +1.41% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.15% | 10.16% | -8.01% | 27th below |
| Loan Growth (Y/Y) | 1.68% | 10.20% | -8.52% | 20th bottom |
| Deposit Growth (Y/Y) | 1.98% | 10.01% | -8.03% | 32nd below |
See Banc of California's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Banc of California, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Banc of California profile, how to read a UBPR, or how this data updates.