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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Banc of California

Los Angeles, California · $34.90B in assets · beside the 9 other California banks over $10B

The filing

2.34%
NPA / loans
10th of 10
-0.88%
ROA
10th of 10
+1.7%
Loans, year over year
9th of 10, largest first

Banc of California is the third largest of the 10 California banks over $10B, with $34.90B in assets at 30 June 2026. Loans are 89.0% of deposits, 7th of 10 against a median of 84.3%, and equity is 10.8% of assets, 8th of 10. Loans grew +1.7% in the year, 9th of 10, and deposits grew 2.0%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 2.34% of the book, the highest in the cohort against a median of 0.49%; 0.39% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 1.39% of loans, the highest in the cohort. Commercial real estate is 41.4% of loans, 7th of 10 against a median of 38.5%, and 291% of capital, below the 300% screen, with construction at 52% against the 100% screen.

Return on assets is -0.88%, the lowest in the cohort against a median of 0.99%, on an efficiency ratio of 63.7%, 8th of 10. Five years ago it was 1.88%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.49% FM Farmers & Merchants Bank Long Be 0.01% CB Citizens Business Bank N.A. 0.14% EW East West Bank 0.38% MB Mechanics Bank 0.41% AB Axos Bank 0.44% CB Cathay Bank 0.54% Bo Bank of America Ca N.A. 0.66% Bo Bank of Hope 0.88% CN City National Bank 0.92% Bo Banc of California 2.34%
Loans, year over yearCA banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% Bo Banc of California +1.7% Bo Bank of America Ca N.A. -12.3%

SBA 7(a), FY2008 to FY2026

Banc of California is the 20th largest 7(a) lender into California of 512, with $812M across 1,016 loans, 1.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 432 of its 521 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$315M15th of 3081.5%-0.5 pts
Multnomah, OR$187M2nd of 14011.6%-7.4 pts
Maricopa, AZ$139M15th of 3031.8%-2.3 pts
Orange, CA$131M13th of 2561.8%-0.7 pts
Clackamas, OR$80M3rd of 12110.2%-9.5 pts
Washington, OR$74M4th of 1228.1%-4.9 pts
San Diego, CA$74M17th of 2381.4%-1.1 pts
Clark, WA$59M3rd of 1147.4%-3.9 pts
Riverside, CA$58M15th of 2191.7%-0.2 pts
San Bernardino, CA$55M19th of 2131.5%+0.5 pts
Marion, OR$52M2nd of 8613.6%-17.0 pts
King, WA$44M25th of 1930.9%-0.2 pts
Ventura, CA$35M9th of 1592.7%+1.4 pts
508 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services484$498M17.4%0.65%40th of 2,596
Health care & social assistance380$406M14.2%0.86%21st of 2,172
Professional & technical services355$388M13.6%1.20%17th of 1,955
Other services290$293M10.2%0.84%22nd of 2,248
Manufacturing233$276M9.6%0.70%27th of 2,246
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Banc of California
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans Bo Banc of California 1.2% $812M · 1,016 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Banc of CaliforniaRankCohort median
Total CRE against capital, the 300% screen291%9th of 10263%
Construction against capital, the 100% screen52%10th of 1014%
Construction and land development, share of loans7.4%10th of 102.2%
Non-owner-occupied nonfarm nonresidential, share of loans10.5%3rd of 1017.0%
Total CRE, the guidance definition, share of loans41.4%7th of 1038.5%
CRE growth over 36 months, the third prong-3.2%4th of 9+6.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Banc of CaliforniaCohort median
20212026Change20212026Change
Loans$19.51B$25.13B+29%$12.51B$17.82B+42%
Deposits$29.78B$28.22B-5%$16.27B$19.61B+21%
NPA / loans0.29%2.34%+2.05 pts0.45%0.49%+0.05 pts
Efficiency48.0%63.7%+15.7 pts45.9%56.8%+10.9 pts
ROA1.88%-0.88%-2.75 pts1.35%0.99%-0.36 pts

This read was prepared for Banc of California's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Banc of California is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks over $10B
Institution www.bancofcal.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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