Banc of California: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 3.45% from 2.34% in the prior period. Banc of California is an FDIC-insured commercial bank, in the Southern California banking corridor. The bank reported a loss in the most recent quarter, with ROA at -2.68% and ROE at -24.29%. Banc of California's Q2 2026 balance sheet shows $34.9B in assets funded primarily by $28.2B in customer deposits. Regulatory capital is solid, 12.68% CET1 and 13.74% total risk-based capital ratio. Credit metrics show stress, 3.45% NPLs and a 23.84% Texas Ratio above the 100% historical failure threshold. Its footprint covers 85 branches concentrated in California.
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 3.45%, a Texas ratio of 23.84%, per financial data filed with the FFIEC.
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)
- Offices
- 85 domestic
- 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 |
|---|---|---|
| Wolff Jared M | CEO | CHAIRMAN AND CEO |
| Kauder Joseph | CFO | CHIEF FINANCIAL OFFICER |
| Sotoodeh John K | COO | CHIEF OPERATING OFFICER |
| Hussain Hamid | PRES | PRESIDENT OF THE BANK |
| Dotan Ido | GC | GENERAL COUNSEL, CORP SECRTY |
| Lindsay Olivia I | CRO | CHIEF RISK OFFICER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Banc of California terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Banc of California, 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.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans, well above the typical community-bank range of 0.5–1.5%. BankRegReports band vs the 0.5–1.5% industry norm.
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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Banc of California: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.68% | -2.68% | 3.45% | 23.84% | 3.24% |
| Q1 2026 | 13.50% | 0.95% | 2.34% | 15.71% | 3.32% |
| Q4 2025 | 13.15% | 1.03% | 2.17% | 14.92% | 3.37% |
| Q3 2025 | 13.42% | 0.93% | 2.77% | 18.30% | 3.39% |
| Q2 2025 | 13.21% | 0.42% | 2.57% | 17.57% | 3.23% |
| Q1 2025 | 13.74% | 0.76% | 1.90% | 12.38% | 3.21% |
| Q4 2024 | 14.17% | 0.78% | 1.68% | 10.74% | 3.23% |
| Q3 2024 | 14.08% | 0.24% | 1.42% | 9.03% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 79 branches →
| 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 Community 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 23, 2002 | Structure Change | Acquired Upland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | 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 |
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
What the public regulatory sources show for Banc of California, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- 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.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Banc of California headquartered?
Banc of California is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Banc of California founded?
Banc of California was established in 1982, per the FDIC institution directory.
Is Banc of California FDIC-insured?
Yes. Banc of California 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Banc of California's CET1 capital ratio?
Banc of California 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?
Banc of California operates 85 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?
Banc of California's Texas Ratio is 23.84% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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