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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-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

2025-Q4

Bank #494261 2025-Q4 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 24.0%, loans/deposits 89.2%, cash 6.6% of assets.

Cash / Assets
6.64%
Loans / Deposits
89.18%
Brokered %
23.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.65%
No watch items at this period.

Capitalization

StrongQoQ -2
96
Sub-score

Capital position is strong: Tier 1 RBC 13.15%, CET1 13.15%, leverage 10.47%.

Tier 1 RBC
13.15%
CET1
13.15%
Leverage
10.47%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.14%, Texas Ratio 7.5%, NCO YTD 0.04%.

Adjusted NPL
1.14%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
0.04%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +7
31
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 86.0%, true coverage 44.8%.

ALLL / Loans
0.97%
Coverage
86.0%
True Loss Coverage
44.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.8% (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