BANC on NYSE
BANC OF CALIFORNIA, INC.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
590.2%Net margin3
4.2%Revenue growth, 20253
6.5%Return on equity3
0.58×Debt to equity3
$234.8MFree cash flow3
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Noninterest Income brought in 50% of the revenue BANC OF CALIFORNIA, INC. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Noninterest Income | $33.8M | $37.2M | $38.8M |
| Service Charges on Deposit Accounts | $16.5M | $18.6M | $19.1M |
| Other Commissions And Fees | $16.6M | $18.1M | $19.1M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax27¢$84.1M
- Profit73¢$229.0M
Out of $38.8M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending8¢$20.8M
- Kept or used elsewhere92¢$234.8M
Out of $255.6M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans and leases | $1.4B | $1.5B | $1.5B |
| Investment securities | $153.3M | $140.8M | $175.0M |
| Deposits in financial institutions | $82.9M | $170.4M | $299.6M |
| Total interest income | $1.7B | $1.8B | $2.0B |
| Deposits | $558.4M | $716.0M | $748.4M |
| Borrowings | $78.8M | $104.4M | $416.7M |
| Subordinated debt | $62.1M | $66.3M | $58.7M |
| Total interest expense | $699.3M | $886.7M | $1.2B |
| Net interest income | $977.4M | $926.0M | $747.1M |
| Provision for credit losses | $70.6M | $42.8M | $52.0M |
| Net interest income after provision for credit losses | $906.8M | $883.2M | $695.1M |
| Other commissions and fees | $38.6M | $33.3M | $38.1M |
| Leased equipment income | $47.7M | $51.1M | $63.2M |
| Service charges on deposit accounts | $19.1M | $18.6M | $16.5M |
| (Loss) gain on sale of loans and leases | -$115.0K | $645.0K | -$161.3M |
| Loss on sale of securities | $0 | -$60.4M | -$442.4M |
| Dividends and gains on equity investments | $8.0M | $8.0M | $15.7M |
| Warrant income (loss) | $1.7M | $408.0K | -$718.0K |
| LOCOM HFS Adjustment | -$9.0K | $215.0K | -$8.5M |
| Other income | $27.0M | $25.3M | $31.2M |
| Total noninterest income (loss) | $142.1M | $77.1M | -$448.3M |
| Compensation | $349.5M | $341.4M | $332.4M |
| Occupancy | $60.6M | $68.0M | $61.7M |
| Leased equipment depreciation | $26.4M | $29.3M | $34.2M |
| Insurance and assessments | $32.8M | $70.8M | $135.7M |
| Other professional services | $23.1M | $20.9M | $24.6M |
| Customer related expense | $105.4M | $129.5M | $124.1M |
| Intangible asset amortization | $28.3M | $33.1M | $11.4M |
| Loan expense | $16.4M | $17.3M | $20.5M |
| Acquisition, integration and reorganization costs | $0 | -$14.2M | $142.6M |
| Goodwill impairment | $0 | $0 | $1.4B |
| Other expense | $38.0M | $35.3M | $142.5M |
| Total noninterest expense | $735.9M | $791.7M | $2.5B |
| Earnings (loss) before income taxes | $313.1M | $168.7M | -$2.2B |
| Income tax expense (benefit) | -$84.1M | -$41.8M | $312.2M |
| Net earnings (loss) | $229.0M | $126.9M | -$1.9B |
| Basic income per share (usd per share) | $1.18 | $0.52 | -$22.71 |
| Diluted income per share (usd per share) | $1.17 | $0.52 | -$22.71 |
| Preferred Stock Dividends, Income Statement Impact | $39.8M | $39.8M | $39.8M |
| Net Income (Loss) Available to Common Stockholders, Diluted | $189.2M | $87.1M | -$1.9B |
| Net Income (Loss) Available to Common Stockholders, Basic | $189.2M | $87.1M | -$1.9B |
| Information Technology and Data Processing | $55.5M | $60.4M | $51.8M |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $181.1M | $192.0M | |
| Interest-earning deposits in financial institutions | $2.1B | $2.3B | |
| Total cash, cash equivalents, and restricted cash | $2.3B | $2.5B | $5.4B |
| (amortized cost of $2,646,414 and $2,526,644, respectively)(ACL of $775 and $, respectively) | $2.5B | $2.2B | |
| Debt Securities, Held-to-Maturity, Excluding Accrued Interest, after Allowance for Credit Loss | $2.3B | $2.3B | |
| FRB and FHLB stock, at cost | $160.4M | $147.8M | |
| Total investment securities | $4.9B | $4.7B | |
| Loans held for sale | $182.9M | $26.3M | |
| Loans and leases held for investment | $25.0B | $23.8B | |
| Allowance for loan and lease losses | $245.6M | $239.4M | $281.7M |
| Loans and leases held for investment, net | $24.8B | $23.5B | |
| Equipment leased to others under operating leases | $238.2M | $307.2M | |
| Premises and equipment, net | $146.7M | $142.5M | |
| Bank owned life insurance | $350.1M | $339.5M | |
| Deferred tax asset, net | $656.8M | $720.6M | |
| Goodwill | $214.5M | $214.5M | $198.6M |
| Intangible assets, net | $105.3M | $132.9M | |
| Other assets | $884.8M | $914.0M | |
| Total assets | $34.8B | $33.5B | |
| Noninterest-bearing deposits | $7.8B | $7.7B | |
| Interest-bearing deposits | $20.0B | $19.5B | |
| Total deposits | $27.8B | $27.2B | |
| Borrowings (including $113,634 and $118,838 at fair value, respectively) | $2.1B | $1.4B | |
| Subordinated debt | $952.7M | $941.9M | |
| Accrued interest payable and other liabilities | $396.2M | $517.3M | |
| Total liabilities | $31.3B | $30.0B | |
| Preferred Stock, Value, Issued | $498.5M | $498.5M | |
| Additional paid-in capital | $3.6B | $3.8B | |
| Retained deficit | -$242.0M | -$431.2M | |
| Accumulated other comprehensive loss, net | -$269.3M | -$354.8M | |
| Total stockholders' equity | $3.5B | $3.5B | $3.4B |
| Total liabilities and stockholders' equity | $34.8B | $33.5B | |
| Available-for-sale Securities, Amortized Cost Basis | $2.6B | $2.5B | |
| Debt Securities, Held-to-maturity, Fair Value | $2.2B | $2.2B | |
| Other Borrowings, Fair Value Disclosure | $113.6M | $118.8M | |
| Common stock, par value | $0.01 | ||
| Common Stock, Shares, Issued, Acquisitions | 150.0M shares | 158.6M shares | |
| Common Stock, Shares, Outstanding | 150.0M shares | 158.3M shares | |
| Debt Securities, Available-for-Sale, Allowance for Credit Loss | -$775.0K | $0 | |
| Debt Securities, Held-to-Maturity, Allowance for Credit Loss, Excluding Accrued Interest | -$695.0K | -$1.5M | -$1.5M |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net earnings (loss) | $229.0M | $126.9M | -$1.9B |
| Goodwill impairment | $0 | $0 | $1.4B |
| Depreciation and amortization | $49.3M | $54.6M | $52.7M |
| Amortization of net premiums on investment securities | $19.7M | $23.8M | $37.5M |
| Accretion Expense | -$84.8M | -$105.1M | $0 |
| Intangible asset amortization | $28.3M | $33.1M | $11.4M |
| Amortization of operating lease ROU assets | $23.5M | $33.7M | $27.2M |
| Provision for credit losses | $70.6M | $42.8M | $52.0M |
| Gain on sale of foreclosed assets, net | -$203.0K | -$819.0K | -$586.0K |
| Provision for losses on foreclosed assets | $773.0K | $1.9M | $2.0M |
| Loss (gain) on sale of loans and leases, net | $115.0K | -$645.0K | $161.3M |
| Loss (gain) on disposal of premises and equipment | $199.0K | $647.0K | -$571.0K |
| Loss on sale of securities, net | $0 | $60.4M | $442.4M |
| Gain on BOLI death benefits | $0 | -$1.1M | -$416.0K |
| Unrealized (gain) loss on derivatives, foreign currencies, and credit-linked notes, net | -$297.0K | -$276.0K | $5.6M |
| LOCOM HFS Adjustment | $9.0K | -$215.0K | $8.5M |
| Decrease (increase) in other assets | $53.5M | $168.0M | -$214.6M |
| (Decrease) increase in accrued interest payable and other liabilities | -$157.4M | -$375.7M | $45.0M |
| Net cash provided by operating activities | $255.6M | $77.4M | $135.8M |
| Cash acquired in acquisitions, net of cash consideration paid | $0 | $0 | $335.3M |
| Net (increase) decrease in loans and leases | -$1.7B | -$662.4M | $464.1M |
| Proceeds from sales of loans and leases | $261.9M | $2.5B | $8.5B |
| Proceeds from maturities and paydowns of securities available-for-sale | $478.7M | $243.6M | $261.0M |
| Proceeds from sales of securities available-for-sale | $0 | $693.3M | $3.0B |
| Purchases of securities available-for-sale | -$605.4M | -$835.9M | -$13.4M |
| Proceeds from maturities and paydowns of securities held-to-maturity | $19.5M | $1.4M | $1.4M |
| Purchases of FHLB and FRB stock | -$17.4M | -$23.4M | -$304.0M |
| Redemptions of FHLB and FRB stock | $4.7M | $2.0M | $272.2M |
| Proceeds from sales of foreclosed assets | $14.7M | $16.9M | $17.1M |
| Purchases of premises and equipment, net | -$20.8M | -$13.0M | -$15.2M |
| Proceeds from sales of premises and equipment | $0 | $190.0K | $9.0M |
| Proceeds from BOLI death benefits | $2.1M | $5.1M | $3.9M |
| Net decrease in equipment leased to others under operating leases | $42.6M | $7.9M | $25.7M |
| Net cash (used in) provided by investing activities | -$1.5B | $1.9B | $12.6B |
| Net (decrease) increase in noninterest-bearing deposits | $102.9M | -$54.3M | -$5.7B |
| Net (decrease) increase in interest-bearing deposits | $548.6M | -$3.2B | -$4.4B |
| Net increase (decrease) in borrowings | -$178.3M | -$2.6B | -$2.3B |
| Net proceeds from stock issuance | $0 | $0 | $382.9M |
| Payments for Repurchase of Common Stock | $0 | ||
| Proceeds from Issuance of Common Stock, Dividend Reinvestment Plan | $0 | $308.0K | $69.0K |
| Proceeds from Stock Options Exercised | $77.0K | $0 | $0 |
| Restricted stock surrendered | -$2.7M | -$5.4M | |
| Common stock dividends paid | -$68.3M | -$48.9M | |
| Net cash (used in) provided by financing activities | $1.0B | -$4.8B | -$9.6B |
| Net increase (decrease) in cash and cash equivalents | -$194.2M | -$2.9B | $3.1B |
| Cash paid for interest | $715.0M | $1.0B | $1.1B |
| Cash paid (received) for income taxes | $7.5M | -$14.4M | -$68.2M |
| Loans transferred to foreclosed assets | $22.8M | $20.0M | $20.9M |
| Transfers from loans held for investment to loans held for sale | $448.1M | $1.9B | $3.2B |
| Loan, Transfer from Held-for-Sale to Held-in-Portfolio | $0 | $1.2M | $513.9M |
| Proceeds from Issuance of Debt | $850.2M | $1.1B | $2.5B |
Former names
- FIRST PACTRUST BANCORP INCMar 28, 2002 to Jul 19, 20132
Recent filings
- Oct 7, 2026SCHEDULE 13G/A
- Sep 11, 20264 PRIMARY DOCUMENT
- Sep 10, 2026144
- Aug 7, 202610-Q
- Aug 4, 2026144
- Aug 4, 20264 PRIMARY DOCUMENT
- Aug 3, 20264 PRIMARY DOCUMENT
- Jul 29, 20268-K
- Jul 14, 2026SCHEDULE 13G/A
- Jul 10, 20264 PRIMARY DOCUMENT
- Jun 11, 2026144
- May 29, 2026144
- May 27, 20264 PRIMARY DOCUMENT
- May 26, 2026144
- May 26, 2026144
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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