# BANC OF CALIFORNIA
LOS ANGELES, CA · FDIC certificate 24045 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $34.90B | |
| Deposits | $28.22B | |
| Loans and leases | $25.13B | |
| Total equity | $3.76B | |
| Loans / deposits | 88.18% (p60 of band) | 85.78% |
| Liquid assets / assets | 20.88% (p44 of band) | |
| Uninsured deposits / deposits | 28.88% (p28 of band) | 38.39% |
| Brokered deposits | 20.69% | |
| Wholesale funding | 27.74% (p93 of band) | |
| FHLB advances / assets | 6.73% | |
| Tier 1 leverage | 9.64% (p34 of band) | 10.17% |
| Unrealized securities loss / equity | -5.64% (p62 of band) | -7.43% |
| AOCI / equity | 3.32% (p98 of band) | |
| ROA (annualized) | -0.88% (p1 of band) | 1.24% |
| Net interest margin | 3.31% (p35 of band) | 3.57% |
| Efficiency ratio | 61.49% (p77 of band) | |
| Noncurrent loans | 2.34% (p95 of band) | 0.66% |
| Net charge-offs (annualized) | 1.00% (p95 of band) | |
| Reserve coverage of noncurrent | 41.43% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 49.60% (p78 of band) | |
| Auto loans | $96.7M (0.38% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $5.22B (139% of equity) (p91 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 1911 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | expense ratio p90 |  |
| 2012-06 | 1 |  | expense ratio p90 |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 4 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | reserve under noncurrent, capital falling |
| 2016-09 | 3 | reserve under noncurrent |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | capital falling |  |
| 2017-06 | 3 |  | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | reserve under noncurrent |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 5 | wholesale funding >15%, losing money, loans-to-lenders >50% equity |  |
| 2020-06 | 2 |  | run vulnerability, wholesale funding >15%, loans-to-lenders >50% equity |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 2 |  | losing money |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | loans-to-lenders >50% equity |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | construction >100% equity | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity |  |
| 2022-12 | 7 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2023-03 | 8 | securities losses >30% of equity, losing money, deposits shrinking | uninsured deposits >50%, AOCI drag >20% of equity |
| 2023-06 | 10 | capital falling, expense ratio p90, assets shrinking | loans-to-lenders >50% equity |
| 2023-09 | 10 | NIM <2.5% | capital falling |
| 2023-12 | 8 |  | construction >100% equity, securities losses >30% of equity |
| 2024-03 | 3 |  | uninsured deposits leaving, losing money, deposits shrinking, expense ratio p90, NIM <2.5% |
| 2024-06 | 4 | charge-offs p90 |  |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 4 | deposits shrinking |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | capital falling, reserve under noncurrent, loans-to-lenders >50% equity | assets shrinking, deposits shrinking |
| 2025-09 | 4 |  | capital falling |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 7 | losing money, noncurrent p90, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Q2 Earnings Roundup: Banc of California (NYSE:BANC) And The Rest Of The Regional Banks Segment - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaVdzM2VkWDNZdlFPdlJTZTFNaHdBRGZWYnBLbmZzdjQ3NlhYYTR3YkN2elpvWHFxOUxvNXBHV3p0OEE3d0VZZDRQZVRoVUJVVjZBSzVldVZQcGxjNGE4bG14YmhYemRPMWZSOXY2eldsdUk5ZjNGREdTS0t2YlZWbmcyc2N6R3MyRkRPSg?oc=5) · Yahoo! Finance Canada
- 2026-02-20 [Banc of California names new head of payments - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxNNlVBWjlmZGFicGNuWFEwRGJXUUZRc1EzZUFHYUpER0wwRG5CMnFseFJodjdCckxEdXVINUUySVF2UWJhdnFEdzFLM3VSQ2ZRd3ZnVmtHVkg0R1lnR2otbGNlcnV5eEMtRkowbnl5WjFtWTd6aXdHeHZUQTFJeXNvcVl2cVpxU3hjT3NQLWYtV2xESnFq?oc=5) · American Banker
- 2026-01-08 [Banc of California CD Review 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBwV0l1MXV3OWEtSktKejFDZXVxLXZMWm5UVl9GWW1hQkxhd0RaRnk3YTJaZkJKblVLNGVCYTIzOWV3OVVvRWtFVzIyd3BYYjFBcTl1el9TUU9iLUNfdWlsNk1BcFRobEc0MEtoc0llVQ?oc=5) · moneyrates.com
- 2025-12-07 [Woman wanted by FBI for allegedly defrauding Banc of California - ABC7 Los Angeles](https://news.google.com/rss/articles/CBMijgFBVV95cUxOeGt5UmdmZ0IzLWtrZGhBUVM5OWs1OUN6S01UVGgwYzQtZ19EdEhxbUliMGtGQnVIQ0s3c1M1cGQ0LVRKSmJWZ2RFSU5GN0tFd2kyeDFiTk1OWkptbDJYQ3c4d0k2OUpPYlVHMUwtZkJrYll3RmxXWUVUSUtUeVliazcxSXZDMmtUYXFoMXFn0gGTAUFVX3lxTE5PNE5ycmo1cHkza2xvVFBhcVRZVl9aR3dFelQ2dFBKSWZQR3pxQUFSQzY0ZVFPUG1DVUlOckdkQUdvRjZJMW9PS3NPRENOREtHRjVkNVdCSUUydWtwaDhvUTdiZXN4TzBUSDQ3ekRWaDdQUXFKbUVydFFETW0xSGMtMDhBc1d0Q2xxSGpad2hTLThTVQ?oc=5) · ABC7 Los Angeles
- 2025-10-20 [News | Banc of California expands in downtown Los Angeles with deal for skyline naming rights - costar.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQM0g1ZEJPVEhMVHJWbkx2UTJucW13R3ZmSElRRHp6NFRMTEItZnJocXB6cVhqeWpiZm4yMC1MSEZJN2g4ZndTaXF1WFMzTFlkaUVSbnNXVEV1bzRQd3hQRmdZNkVlOUVvTF9YcDd1MGhhbHkwLVkyUFV4S3E0TXM3TGFGWGJINE01OVNUbmxybmJOc2FSb1BLdV9hOHIzNUFZeHZPQ2hkY3RLZVAwMDRVMTJyRkkxNHh0?oc=5) · costar.com
- 2025-10-21 [Banc of California signs lease in downtown L.A. with skyline signage - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVDNJOVVfSHNLN3BsRVAtS1M0Ty1KTk1INDhkV3JtTkI3aFFITUQzQkpEb3dpZGItUEVpa0dKXzNyTkhVTXRzc25OdzhaM1paSmVXZ3djSmJlZGtWS2t4eGVweGVQR21rVXFOZGdaT19VZ3kwNTlxVkZ1NGExalE4VUVCbVhhc1FQQnQ5NGZYTEltbFJVc1dIYlkzTnRTMUF5SE9pakhScmI?oc=5) · The Business Journals
- 2025-10-21 [California real estate investor Andrew Stupin linked to $270M in bad loans - The Real Deal](https://news.google.com/rss/articles/CBMiowFBVV95cUxNYkp1c3pmYTZTUFZvbjZXZ0Z3cVZfZjRTQXYzSTFtT3duNUVBdFZiWU05enVnaUk5ZmRZS1gtVTF1bUtJTTBFLWd2MFB2Q0V5V01YMEVJX3I3RUtxQllVSW9fdURJNXFRTW9aREFXZ3pXbzNnYmtFa0NEVW16REs4dGQ5dUszLS16MVhvZGYxX0x5VDI0NXBZS2hYWkpVZmxQWEJV?oc=5) · The Real Deal
- 2026-08-22 [I helped turn a California bank into one of America's fastest-growing. Now I’m building a company to serve the people that banking has failed - Fortune](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcU5ybFVxTVdqaDJXenU3NUpCYTNiMlhQa0EwQ2ZDUEVYY2xkajluYU1rV2hhZzc0N1JiTGVBUW9TeEMyeHRQV09HV25sSkNtNHdxZkl0enkxaWtXbFpWUnVUd05xZWZ0cnhMVFUzZHQ1Z3BxNnpxdlU1WHo1MXpWYzNlQlNSZ3RVY2d4MXdyMjBxTjVBQnEw?oc=5) · Fortune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24045 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "24045", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide