BlastPoint's Banking Scorecard
Banc of California
Large
Specialty: Commercial
CA
FDIC cert 24045
Los Angeles, CA
69
banks in Large tier nationally
4 in CA
View Large leaderboard (CA) →
Banc of California faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 40% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.7B
+3.7% YoY
+2.3% QoQ
|
-$40.2B |
$74.9B
-4.4% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$25.0B
+5.9% YoY
+3.7% QoQ
|
-$21.5B |
$46.4B
-2.1% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$28.0B
+2.3% YoY
+2.4% QoQ
|
-$32.5B |
$60.5B
-4.5% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.78%
+60.8% YoY
+11.3% QoQ
|
-0.41% |
1.19%
+17.8% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.32%
+7.7% YoY
+0.2% QoQ
|
-0.14% |
3.46%
+13.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
60.49%
-9.4% YoY
-1.9% QoQ
|
+5.46% |
55.03%
-2.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
1.14%
+28.3% YoY
-15.7% QoQ
|
+0.27% |
0.88%
-0.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
89.18%
+3.6% YoY
+1.2% QoQ
|
+7.46% |
81.72%
+3.9% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
28.50%
-1.3% YoY
+0.4% QoQ
|
+8.53% |
19.97%
+0.5% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.88%
+33.5% YoY
-10.8% QoQ
|
+0.33% |
0.55%
+9.0% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
13.15%
-7.2% YoY
-2.0% QoQ
|
-0.17% |
13.33%
-0.7% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.38%
-9.3% YoY
+37.0% QoQ
|
-0.71% |
1.09%
+2.4% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#11 of 26 · Bottom 40% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 19.97%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 13.33%
43
43th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.46%
42
42th pctile
Total Loans
Current: $25.0B · Tier avg: $46.4B
33
33th pctile
Total Assets
Current: $34.7B · Tier avg: $74.9B
33
33th pctile
Total Deposits
Current: $28.0B · Tier avg: $60.5B
28
28th pctile
Loan-to-Deposit Ratio
Current: 89.18% · Tier avg: 81.72%
25
25th pctile
Efficiency Ratio
Current: 60.49% · Tier avg: 55.03%
25
25th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.88%
21
21th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 1.09%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.55%
10
10th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.19%
Top Weaknesses
10
10th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.19%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.55%
21
21th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 1.09%
25
25th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.88%
25
25th pctile
Efficiency Ratio
Current: 60.49% · Tier avg: 55.03%
28
28th pctile
Loan-to-Deposit Ratio
Current: 89.18% · Tier avg: 81.72%
33
33th pctile
Total Deposits
Current: $28.0B · Tier avg: $60.5B
33
33th pctile
Total Assets
Current: $34.7B · Tier avg: $74.9B
42
42th pctile
Total Loans
Current: $25.0B · Tier avg: $46.4B
43
43th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.46%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 13.33%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.50% · Tier avg: 19.97%