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Banc of California
Los Angeles, CA·FDIC Cert #24045·Charter: STATE·Est. 19820826.0·HC: BANC OF CALIFORNIA INC
Total Assets
$34.7B
Q4 2025
Return on Assets
0.78%
+0.08%Peer avg: 1.10%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.49%
Peer avg: 53.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.78%+0.08
ROE
6.92%+0.73
Efficiency
60.49%-1.18
Equity/Assets
0.00%+0.00
NPL Ratio
1.14%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.18%+1.10
Charge-offs
0.24%-0.07
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.4 | 0.5 | 0.8 | 0.6 | 0.7 | 0.8 |
| ROE | 4.5 | 4.5 | 3.7 | 4.5 | 6.5 | 5.2 | 6.2 | 6.9 |
| Efficiency | 73.0 | 71.2 | 68.6 | 66.8 | 63.3 | 62.8 | 61.7 | 60.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.8 | 0.9 | 1.0 | 1.3 | 1.4 | 1.1 |
| Charge-offs | 0.0 | 0.4 | 0.3 | 0.3 | 0.2 | 0.5 | 0.3 | 0.2 |
| Loan/Deposit | 86.7 | 85.9 | 86.2 | 86.1 | 86.9 | 88.5 | 88.1 | 89.2 |
Balance Sheet
Total Assets$34.7B
Total Deposits$28.0B
Total Loans$25.0B
Total Equity$3.9B
Profitability
ROA0.78%
ROE6.92%
Efficiency Ratio60.49%
Net Income$265.6M
Risk & Asset Quality
NPL Ratio1.14%
Charge-off Rate0.24%
Loan/Deposit89.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans