# BANC OF CALIFORNIA NA
SANTA ANA, CA · FDIC certificate 35498 · asset band $1-10B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. 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 | $9.24B | |
| Deposits | $6.68B | |
| Loans and leases | $6.96B | |
| Total equity | $1.21B | |
| Loans / deposits | 103.08% (p89 of band) | 85.93% |
| Liquid assets / assets | 16.82% (p29 of band) | |
| Uninsured deposits / deposits | 31.61% (p56 of band) | 30.10% |
| Brokered deposits | 11.13% | |
| Wholesale funding | 24.06% (p89 of band) | |
| FHLB advances / assets | 8.75% | |
| Tier 1 leverage | 12.46% (p86 of band) | 10.02% |
| Unrealized securities loss / equity | -10.78% (p75 of band) | -23.75% |
| AOCI / equity | -0.24% (p75 of band) | |
| ROA (annualized) | 1.29% (p68 of band) | 1.00% |
| Net interest margin | 3.44% (p59 of band) | 3.27% |
| Efficiency ratio | 52.31% (p23 of band) | |
| Noncurrent loans | 0.88% (p84 of band) | 0.30% |
| Net charge-offs (annualized) | 0.29% (p94 of band) | |
| Reserve coverage of noncurrent | 121.46% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 21.63% (p17 of band) | |
| Auto loans | $75.1M (1.08% of loans; DQ 0.73%, NCO 0.00%) | |
| Loans to nondepository financials | $647.7M (53% of equity) (p98 of band) | |
| Deposits YoY | -8.5% | |
| Employees | 660 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 1 |  | loans exceed deposits |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 3 | expense ratio p90 |  |
| 2012-09 | 3 | loans exceed deposits | expense ratio p90 |
| 2012-12 | 2 |  | loans exceed deposits |
| 2013-03 | 5 | loans exceed deposits, brokered >10%, liquid assets <10% |  |
| 2013-06 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2013-09 | 4 | expense ratio p90 |  |
| 2013-12 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | capital falling, brokered >10%, expense ratio p90 |
| 2014-03 | 4 | expense ratio p90 | liquid assets <10% |
| 2014-06 | 3 |  | expense ratio p90 |
| 2014-09 | 4 | brokered >10% |  |
| 2014-12 | 5 | liquid assets <10% |  |
| 2015-03 | 4 |  | liquid assets <10% |
| 2015-06 | 3 |  | loans exceed deposits |
| 2015-09 | 3 | uninsured deposits >50% | brokered >10% |
| 2015-12 | 4 | brokered >10% |  |
| 2016-03 | 4 | capital falling | brokered >10% |
| 2016-06 | 5 | brokered >10%, expense ratio p90 | capital falling |
| 2016-09 | 3 |  | uninsured deposits >50%, expense ratio p90 |
| 2016-12 | 5 | uninsured deposits >50%, capital falling |  |
| 2017-03 | 5 | expense ratio p90 | capital falling |
| 2017-06 | 5 |  |  |
| 2017-09 | 7 | deposits shrinking, assets shrinking |  |
| 2017-12 | 8 | loans-to-lenders >50% equity, uninsured deposits leaving | uninsured deposits >50% |
| 2018-03 | 6 | capital falling | reserve under noncurrent, expense ratio p90, loans-to-lenders >50% equity |
| 2018-06 | 6 | uninsured deposits >50%, expense ratio p90, loans-to-lenders >50% equity | assets shrinking, uninsured deposits leaving, capital falling |
| 2018-09 | 3 |  | deposits shrinking, uninsured deposits >50%, expense ratio p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 7 | loans exceed deposits, uninsured deposits >50%, run vulnerability, deposits shrinking, assets shrinking | brokered >10% |
| 2019-09 | 8 | charge-offs p90 |  |
| 2019-12 | 8 |  |  |
| 2020-03 | 7 | losing money | loans exceed deposits, charge-offs p90 |
| 2020-06 | 5 | expense ratio p90 | wholesale funding >15%, run vulnerability, deposits shrinking |
| 2020-09 | 5 | run vulnerability | losing money |
| 2020-12 | 4 |  | assets shrinking |
| 2021-03 | 3 | capital falling | expense ratio p90, run vulnerability |
| 2021-06 | 3 | run vulnerability | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | capital falling |  |
| 2022-03 | 1 |  | uninsured deposits >50%, run vulnerability, capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2022-12 | 3 | deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, capital falling, run vulnerability |
| 2023-03 | 5 | brokered >10%, wholesale funding >15% |  |
| 2023-06 | 8 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2023-09 | 7 |  | capital falling |

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

- 2025-06-22 [Banc of California buys Deepstack Technologies for $24m - FinTech Futures](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVHE2MDl0c2h0Ql9hZjJwTUppNVN3NlBuMnpBYjR2YnlXVmJSQUFJQzA5SEdHMWFGTzJ0c3pwQkJ3Qi1JUnRJZmhUUjFFZGFqeGtzN0liZFc0UDg4eE5NNUF1Zmw5ODMxOERpRkF1T3Jjbm1CZWl5aEdkU2ZYX2RsTkFZWHVILWlpVTNDcV96UnQtVjJkNjA4bFM3Ykk0eHJjT0xHYjFWbw?oc=5) · FinTech Futures
- 2023-10-19 [Banc of California Receives Final Regulatory Approval for its Merger with PacWest Bancorp - Business Wire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNVWVYUzFqLWRJVm94UWpJVUNMNGt6TnYwdlV5WUZTSmxVcWhuLWtjZlp4a18zc09aeVM4bGROX0JhbzF4bjlCcncwd1hSRzZlajdfTGQ4bXE1eWpKSUhPX3Z6bEVjdm9aUXRGVVNXUEl2bzBLZVRwYjRGbWtyLU53VDk3VzRITTZhZlBkTDJpNFNvTnpoSE9jT0xkcVhFZW0wMXQ2V2RScnFNcC1qbXEyTEM1REVGcWtRY3JKZnNCRjRZQXVyTUd4MEdWSGExWUY4bVJ5N25JYUU2WWR2M0lB?oc=5) · Business Wire
- 2020-05-26 [LAFC & Banc Of California Restructure Partnership - LAFC](https://news.google.com/rss/articles/CBMiekFVX3lxTE9MNDNfbjdhVmtyMWNrT1J1R19lNk54WVVDampYcUc4eVVQamhKcGUxRG1aNTBRNU9HTHZyUVNiMWJGclFSRmhSVDhsNFM3LXZTLVRaSDNKNmxYdVZOWTdRaWZmaVZWbWdaYmJaZ1A1QThjZlFzc0lydER3?oc=5) · LAFC
- 2026-09-05 [Jupiter Topco LLC Acquires Shares of 61,448 Banc of California, Inc. $BANC - MarketBeat](https://news.google.com/rss/articles/CBMiywFBVV95cUxNV2x3dW9UbVluT3BNMEtxeVJLT1JnQVJKdmgwc0doN1hzdlpXSER4NHBaM2NLN3VtaW9QS2hHM1hwUEZ6UVV3MlhaT3dEVEcwaWc5enpickJKQlZsaTRYTC1FVEpudUZIdTBwbzRoV21JM01jblI4b1hXVG51M3RQUmYzcDN2S1FuWm9mNTZQWVIxT0pzYmlsVFo3QjFqR3ROUmhXZFF6Y0lwWHI4Q2pfMXdDUU5JTTBHRzh1ZUxFNmZpZ1c0aHZCT0VDWQ?oc=5) · MarketBeat
- 2023-10-26 [Banc of California Announces Appointments of Four Directors to its Board of Directors in Connection with its Merger with PacWest Bancorp - Business Wire](https://news.google.com/rss/articles/CBMingJBVV95cUxQWEVqTERRZEhoeFRleFAxZGJyc1BITDlfalZUSkJCMHVOaXhRdE10SXpjRm04Y2tUa3Z5WnJUR29HYTJmLXd6WlN5NnZfaTNuWTYtbk9oOEN3eDNqNHNCVDlzejFUSnR4NDE3N0xHRnRSSEtWSERVN2tEeE81WU9BNzlGVWd3cFdKa1NBT3lnSHVILVNzSnBTZElwSm5GZ2xEeVhGaklrU19ZOUp2RFVVc0g5NXdFM0lqVnczZF8yQi0zcEVjaEtmRkhXdE02RmpvY1R0cFB5VDhFdFE4QmJyaDdEMlNnSzFMUkVYdHllSW05NTZxWnMzaldVdm56bDRIbkY3S0hQS1FuRzkzazBUUnlFLTdmY09acU8td0NR?oc=5) · Business Wire
- 2023-09-12 [Banc of California Names Debora Vrana as Executive Vice President & Chief Communications Officer - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPa2VKYkpRYWkyQ1dONFpRMlBIWDdZekdqR2RtS05HVUEyVTdjdkE5T1Y0OXFKWmE4OEI0UmQ2YXBwZUZtenZlMjcyQkZIYktKN2phcU1mZ0ZHeFFKZEFWbV8wUzJmdkZPOF85VlJ3R05HcEJiLXE1OTZYUGtBRFRmVDROZWpRczF6RmlVSVRkOXhpaFo5Sk5WNlN5a3R2ZG9ieFA4Nnh4OTVYZXlZN1R2dndHdUdYc3QwZ0R3LWJ4YkVITlNEaEdaY0FJWXY1TXFnT0JjNGFjUThvMlQ4eW9GU1Zibm44QQ?oc=5) · Business Wire
- 2026-08-23 [147,413 Shares in Banc of California, Inc. $BANC Acquired by Orchard Capital Management LLC - MarketBeat](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNdy1DNXF0Z3poTTNtY0NIUDE0V2l4RUFsN2NkY0hseTMzSFN1LWphc0Z5OUJBWlN3Q29MbFpQUXhyaHU0MXRHWjhrNFp1dmdKU3lPa0I3c3pfeU1jQ3VsUG1wMVdEenBPalNZNDk2aFFqZFljWGh6LU9ja01GOHN2LWtzQ0E0LTdJb0dkMXJpT3ZiNFF6VDFEZXN2eVJMVDJxRVZ1VWFvTHVwRlVkNGJJMWZycWhKd1RuQzdXOExIaEtSMkJDZW1IYmFTa1haNnh0eEZ5VGtQVTVPYmcySjhpZm9B?oc=5) · MarketBeat
- 2023-07-25 [Banc of California and PacWest Announce Transformational Merger and $400 Million Equity Raise from Warburg Pincus and Centerbridge - Business Wire](https://news.google.com/rss/articles/CBMimAJBVV95cUxPOTNxMmFqQVRmUDFueFRmaFdRVnZnWWpYUUpQNkItcEc3NHNTa3RydmZfRm5oLVhFbmdEalZZSVNXcnNiWVhGSnc0OEhLRFFtSHAxMWN2WHJBUkVTVlB0azQ4Tk1xOE1NXzNjdDg5MmExOWdCMV92SlExZTVkVWRuaDVlQVVVajhyTU8wZEZOMDZnejB0VXVwZ0JUeHZFazBxZ2dMeGRkSERqWXVhOW9lb2pXcVBXMEV3NU9iQVkzQUgxYlFkU0JmRUJkcXFPQVBBWTBlQmdjS0x5RWotdk5sODNJb3U0eG1YU2ZVVWR3em5kbUpKNXhlNzcyZGp1WDZWOFVDUG5iRVJqZnJFOWV1N0pfTnNaYjRy?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35498 (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/42.json (key "35498", 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