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Banc Of California

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q3QoQ +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-Q3

Bank #494261 2025-Q3 Vital Signs Score: 80/100 — 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

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 21.2%, loans/deposits 88.1%, cash 7.1% of assets.

Cash / Assets
7.06%
Loans / Deposits
88.08%
Brokered %
21.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.79%
No watch items at this period.

Capitalization

StrongQoQ +2
98
Sub-score

Capital position is strong: Tier 1 RBC 13.42%, CET1 13.42%, leverage 10.26%.

Tier 1 RBC
13.42%
CET1
13.42%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ +5
92
Sub-score

Asset quality is strong: Adjusted NPL 1.36%, Texas Ratio 8.8%, NCO YTD -0.04%.

Adjusted NPL
1.36%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
-0.04%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
24
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 73.5%, true coverage 35.7%.

ALLL / Loans
0.99%
Coverage
73.5%
True Loss Coverage
35.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.7% (Adjusted NPL + Performing Mods denominator).

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