Banc of California: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.21 percentage points lower than in Q1 2026, at 28.10%. Banc of California has the 4th lowest return on assets of the 114 banks headquartered in California, at -2.68% as of Q2 2026. Banc of California's return on assets of -2.68% is well below the 1.30% median for banks in the $10B-100B asset tier, a gap of 3.98 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.68% |
| Tier 1 risk-based capital ratio | 12.68% |
| Total risk-based capital ratio | 13.74% |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 10.79% |
| Tangible equity to tangible assets | 9.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.45% |
| Non-performing assets ratio | 2.53% |
| Net charge-off ratio | 2.56% |
| Texas ratio | 23.84% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 28.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.68% |
| Return on equity | -24.29% |
| Net interest margin | 3.24% |
| Efficiency ratio | 64.37% |
| Yield on earning assets | 5.11% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.04% |
| Core deposits to total deposits | 71.27% |
| Brokered deposits to total deposits | 25.59% |
| Deposits to assets | 80.86% |
| Securities to assets | 12.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 16.37% | 8.57% | -0.14% |
| Q4 2023 | 13.27% | 13.27% | 15.75% | 9.62% | -4.96% |
| Q1 2024 | 13.34% | 13.34% | 15.88% | 9.84% | 0.44% |
| Q2 2024 | 13.77% | 13.77% | 16.19% | 10.38% | 0.47% |
| Q3 2024 | 14.08% | 14.08% | 16.61% | 10.74% | 0.24% |
| Q4 2024 | 14.17% | 14.17% | 16.65% | 11.08% | 0.78% |
| Q1 2025 | 13.74% | 13.74% | 16.22% | 10.88% | 0.76% |
| Q2 2025 | 13.21% | 13.21% | 15.65% | 10.42% | 0.42% |
| Q3 2025 | 13.42% | 13.42% | 15.94% | 10.44% | 0.93% |
| Q4 2025 | 13.15% | 13.15% | 15.62% | 10.65% | 1.03% |
| Q1 2026 | 13.50% | 13.50% | 15.97% | 10.73% | 0.95% |
| Q2 2026 | 12.68% | 12.68% | 13.74% | 9.64% | -2.68% |
Banc of California vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banc of California, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)