Liquidity
StableQoQ -2
70
Sub-score
Liquidity is stable: brokered 21.2%, loans/deposits 86.9%, cash 6.8% of assets.
- Cash / Assets
- 6.83%
- Loans / Deposits
- 86.92%
- Brokered %
- 21.23%
No watch items at this period.
Banc Of California
IDRSSD: 494261
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
83
/ 100
StrongAs of 2025-Q1QoQ -2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #494261 2025-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↓ -2 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +1
- Reserves↓ -8
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 6.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 6.86%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
99
Sub-score
Capital position is strong: Tier 1 RBC 13.74%, CET1 13.74%, leverage 10.69%.
- Tier 1 RBC
- 13.74%
- CET1
- 13.74%
- Leverage
- 10.69%
No watch items at this period.
Asset Quality
StrongQoQ +1
94
Sub-score
Asset quality is strong: Adjusted NPL 0.98%, Texas Ratio 6.1%, NCO YTD 0.23%.
- Adjusted NPL
- 0.98%
- Texas Ratio
- 6.1%
- NCO YTD
- 0.23%
- 30-89 PD
- 0.24%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -8
37
Sub-score
Reserves are weak: ALLL 0.97% of loans, coverage 100.6%, true coverage 51.2%.
- ALLL / Loans
- 0.97%
- Coverage
- 100.6%
- True Loss Coverage
- 51.2%
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.tsfor 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