Visbanking Logo
Skip to main content

Banc Of California

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2023-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #494261 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 43.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 43.5%, loans/deposits 82.8%, cash 13.7% of assets.

Cash / Assets
13.74%
Loans / Deposits
82.83%
Brokered %
43.47%

Watch Items

  • watchBrokered deposits above 30% — Brokered 43.5% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.98%
No watch items at this period.

Capitalization

StrongQoQ +8
94
Sub-score

Capital position is strong: Tier 1 RBC 13.27%, CET1 13.27%, leverage 9.48%.

Tier 1 RBC
13.27%
CET1
13.27%
Leverage
9.48%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 4.1%, NCO YTD 0.22%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.22%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
82
Sub-score

Reserves are strong: ALLL 1.10% of loans, coverage 176.9%, true coverage 167.2%.

ALLL / Loans
1.10%
Coverage
176.9%
True Loss Coverage
167.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 01:48:16 UTC