FDIC Cert #24045 · Los Angeles, California · Est. 1982

Banc of California - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$34.7B
Total assets
B
Health grade · Good
0.78%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

Banc of California earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.15% Tier 1, 0.78% ROA, 60% efficiency ratio.

#63
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
13.15%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 24045 · CA B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2689/4307
  • PHOTO-FINISH Dedham Institution f… · MA
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 7.0% Texas
  • ROA-PAR 0.78% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Dedham Institution for Savings, MA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Banc of California

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banc of California · CA · th…73/100Dedham Institution f… · MA ·…73/100Flora Bank & Trust · IL · ne…73/100Florence Bank · MA · near73/100Woodforest National… · TX · …73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Banc of California · July 2026

Call Report read for Banc of California in a high-failure state

Banc of California (FDIC Cert #24045) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,689 of 4,307. Tier 1 capital prints at 13.15%, clearing the 10% well-capitalized line. The Texas Ratio is 6.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.78%. Balance-sheet scale is $34.7B, 63rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Dedham Institution for Savings (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Banc of California

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Banc of California sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Banc of California's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Banc of California's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Banc of California's composite health score
Tier 1 Capital Ratio (13.15%) 35/40
Return on Assets (ROA) (0.78%) 14/25
Texas Ratio (6.96%) 16/20
Efficiency Ratio (60.49%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$34.7B

Total balance-sheet footings

Total Deposits

$28.0B

Customer-funded liabilities

Net Loans

$25.0B

Outstanding loan book

Net Income

$266M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.75% 13.15% 14.55%
Basel III capital ratios - Banc of California

Where Banc of California ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Banc of California's score of 73/100 falls in the highlighted band.

Banc of California: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 38th percentile higher than 38% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Banc of California 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Banc of California's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Banc of California's $34.7B falls in the highlighted band.

Capital & credit buffers at Banc of California

Tier 1 capital ratio
Well-capitalized 10%

13.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.15%
Texas Ratio
6.96%
Equity Capital
$3.9B

What these ratios mean →

Profitability metrics: Banc of California

Return on Assets (ROA)
28th percentile nationally
0.78%
Return on Equity (ROE)
6.92%
Efficiency Ratio
60.49%

What these mean →

Income & expense at Banc of California

$1.7B
Interest Income
$131M
Non-Interest Income
$730M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Banc of California reports a Texas Ratio of 6.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Banc of California on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Banc of California by assets

Banc of California is closely matched in total assets by TD Bank USA, First National Bank of Omaha, BankUnited, Hancock Whitney Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.37%, versus Banc of California's own 0.78%; the average efficiency ratio is 53.25%, versus 60.49% here; and average Tier 1 capital sits at 15.88%, versus 13.15% at Banc of California. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $34.7B in assets, Banc of California has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Banc of California nationally by total assets
  1. 1
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

  2. 2
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  3. 3
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  4. 4
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  5. 5
    United Bank $33.5B

    Fairfax, VA · Grade A

  6. 6
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Banc of California (this bank) CA $34.7B 0.78% 60.49% 13.15%
TD Bank USA, National Association DE $34.6B 1.16% 58.07% 28.61%
First National Bank of Omaha NE $34.6B 1.51% 49.34% 11.64%
BankUnited, National Association FL $35.0B 0.89% 56.96% 12.73%
Hancock Whitney Bank MS $35.5B 1.41% 54.48% 13.24%
United Bank VA $33.5B 1.50% 45.99% 13.75%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($34.7B here), outside California so the neighborhood is not state containment.

TD Bank USA $34.6B · DE First National Bank of Omaha $34.6B · NE BankUnited $35.0B · FL Hancock Whitney Bank $35.5B · MS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Banc of California (FDIC Cert #24045) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Banc of California Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%
Bank of America California, National AssociationSan Francisco $15.5B A 0.54%