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Banc Of California

IDRSSD: 494261
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 494261 held $34.6B in total assets as of 2026-03-31 (-0.2% quarter-over-quarter). Total loans stood at $24.8B (-0.7% QoQ) and total deposits at $27.4B (-2.0% QoQ).

Overall position is weak — the composite Health Score is 35/100 (Weak). Tier 1 / RWA stands at 13.50%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
35/100
Weak
Active Alerts
1
1 critical, 0 warning
Total Assets
$34.6B
-0.2% QoQ
Total Loans
$24.8B
-0.7% QoQ
Total Deposits
$27.4B
-2.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.50%
56th pctile · n=59↑ better
+35 bp QoQ
CET1 / RWA
13.50%
64th pctile · n=59↑ better
+35 bp QoQ
Total RBC / RWA
15.97%
76th pctile · n=59↑ better
+36 bp QoQ
Tier 1 Leverage Ratio
13.50%
56th pctile · n=59↑ better
+35 bp QoQ

Liquidity

Cash / Assets
6.36%
68th pctile · n=59↑ better
-28 bp QoQ
Loans / Deposits
90.37%
69th pctile · n=59↓ better
+119 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.33%
88th pctile · n=59↓ better
+20 bp QoQ
NPA / Assets
1.02%
88th pctile · n=59↓ better
+14 bp QoQ
Texas Ratio (regulatory)
9.17%
90th pctile · n=59↓ better
+118 bp QoQ
Net Charge-Offs / Avg Loans
0.22%
66th pctile · n=59↓ better
+18 bp QoQ
ALLL Coverage of NPL
72.33%
12th pctile · n=59↑ better
-1362 bp QoQ

Earnings

Net Interest Margin
3.32%
32th pctile · n=59↑ better
-4 bp QoQ
Return on Assets
0.93%
25th pctile · n=59↑ better
-9 bp QoQ
Return on Equity
8.31%
25th pctile · n=59↑ better
-85 bp QoQ
Efficiency Ratio
58.48%
66th pctile · n=59↓ better
+136 bp QoQ
Pre-tax NOI / Avg Assets
1.25%
25th pctile · n=59↑ better
-7 bp QoQ

Funding

Brokered / Deposits
23.29%
97th pctile · n=59↓ better
-69 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.87%
80th pctile · n=59↓ better
+96 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
14.35%
42th pctile · n=59↑ better
+62 bp QoQ
AFS Securities / Assets
7.67%
25th pctile · n=59↑ better
+60 bp QoQ
HTM Securities / Assets
6.68%
75th pctile · n=59↑ better
+3 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 01:48:47 UTC