Banc of California


11611 San Vicente Blvd
Los Angeles, CA 90049
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Phone 800 654 7962

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Banc of California is an FDIC insured institution located in Los Angeles, CA. It was founded in 1982 and has approximately $38.37 billion in assets. Customers can open an account at one of its 92 branches.

FDIC Insured Yes
FDIC Certificate # 24045
Date Established 1982
Assets $ 38.37 billion
Loans $ 25.33 billion
Deposits $ 30.58 billion
Capital $ 3.74 billion

For a more detailed analysis of Banc of California's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 23, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - May 23, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Banc of California

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2024

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Third Federal Savings and Loan
Third Federal Savings and Loan
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More Info

Note to Banc of California
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Climate Policy and Initiatives

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Financial Details

Banc of California Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banc of California. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Banc of California U.S. Bank Average
4.15% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, Banc of California had $159,193,000 in non-current loans and $7,394,000 in owned real estate. To cover these potential losses it had $3,735,469,000 in equity and $281,575,000 in loans loss reserves. That gives it a Texas Ratio of 4.15%.

Return on Equity
Banc of California U.S. Bank Average
-59.67% 12.20%

Banc of California has a Return on Equity of -59.67% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Banc of California U.S. Bank Average
9.74% 10.76%

Banc of California has a Capitalization of 9.74% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Banc of California Balance Sheet Analysis

As of December 31, 2023, Banc of California had assets of $38,369,415,000, loans of $25,330,862,000, and deposits of $30,582,650,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 5.27 billion
Interest-bearing balances $ 5.07 billion
Total securities $ 4.63 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 25.33 billion
Loan loss allowance $ 281.58 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 7.39 million
Goodwill and other intangibles $ 388.60 million
All other assets $ 1,547.67 million
     Total Assets $ 34.63 billion
Total deposits $ 30.58 billion
      Interest-bearing deposits $ 22.63 billion
      Deposits held in domestic offices $ 30.58 billion
      % insured (estimated) 76.06%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1,280.00 million
Subordinated debt $ 380.65 million
All other liabilities $ 542.01 million
      Total Liabilities $ 34.63 billion
      Shareholders’ Equity $ 3.74 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 1,968.07 million
Total Interest Expense $ 1,180.41 million
Net interest income $ 787.65 million
Provision for loan and lease losses $ 52.00 million
Total non interest income N.A.
Total non interest expense $ 2.44 billion
Pre-tax Net Operating Income $ 342.29 million

Bank Loan Profile?

The top three loan types in Banc of California’s loan portfolio are Multifamily Mortgages, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in California, Banc of California has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 19.04
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 1.40
Construction and Development Loans 16.93
Commercial Real Estate 14.29
Commercial and Industrial Loans 12.60
Farm Loans 0.00

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