Banc Of California (FDIC #24045): Bank Stress & Real-Estate Credit Exposure

Banc Of California (FDIC Cert #24045): bank stress 87/100, severe, STABLE over 7 days; parent BANC OF CALIFORNIA INC.

Banc Of California (#24045) lends in 14 counties across 3 states; Banc Of California (#24045) reaches 949 ZIP codes: California 12 counties, 891 ZIPs; Colorado 1 county, 41 ZIPs; North Carolina 1 county, 17 ZIPs.

Banc Of California (#24045) largest markets: Los Angeles County, CA (8,512 branches, 304 ZIPs) (#24045), San Diego County, CA (1,508 branches, 116 ZIPs) (#24045), San Bernardino County, CA (500 branches, 100 ZIPs) (#24045), Orange County, CA (1,104 branches, 92 ZIPs) (#24045), Riverside County, CA (456 branches, 76 ZIPs) (#24045), Fresno County, CA (60 branches, 60 ZIPs) (#24045).

Banc Of California (#24045) reports $34.90 billion in total assets; Banc Of California (#24045) equity $3.76 billion (10.8% of Banc Of California (#24045) assets); Banc Of California (#24045) domestic deposits $28.22 billion; Banc Of California (#24045) net income minus $152.3 million; Banc Of California (#24045) return on assets -0.88%; Banc Of California (#24045) return on equity -7.92%; Banc Of California (#24045) net interest income $526.4 million; Banc Of California (#24045) call report June 30, 2026.

Banc Of California (#24045) noncurrent real-estate loans 2.00% of its book; Banc Of California (#24045) commercial real estate -0.01%; Banc Of California (#24045) multifamily 2.28%; Banc Of California (#24045) residential 0.63%; Banc Of California (#24045) net charge-offs on real estate 3.55%; Banc Of California (#24045) multifamily charge-offs 0.20%; Banc Of California (#24045) residential charge-offs 6.16%.

Banc Of California (#24045) net interest margin 3.31% against an eight-quarter Banc Of California (#24045) average of 3.23% (Banc Of California (#24045) compression -0.08 points); Banc Of California (#24045) real-estate loans 200.1% of equity; Banc Of California (#24045) non-residential real estate 615.9% of equity; Banc Of California (#24045) rate-exposure score 40/100, Banc Of California (#24045) fixed-rate trap 40/100; Banc Of California (#24045) risk type credit driven; Banc Of California (#24045) rate regime rates elevated, Banc Of California (#24045) snapshot October 19, 2026.

Banc Of California (#24045) stress score moved from 65.8 on June 22, 2026 to 86.5 on October 20, 2026; Banc Of California (#24045) ranged 65.8 to 86.5 over 117 snapshots.

Banc Of California (#24045) alerts: 14 counties; top Banc Of California (#24045) alert scores: Ventura County, CA 46 (moderate); Fresno County, CA 43 (moderate); San Luis Obispo County, CA 33 (low); Bakersfield County, CA 27 (low); Denver County, CA 27 (low).