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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-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

2026-Q1

Bank #494261 2026-Q1 Vital Signs Score: 78/100 — overall stable. 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 41.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -1
66
Sub-score

Liquidity is stable: brokered 23.3%, loans/deposits 90.4%, cash 6.4% of assets.

Cash / Assets
6.36%
Loans / Deposits
90.37%
Brokered %
23.29%
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
6.68%
No watch items at this period.

Capitalization

StrongQoQ +3
98
Sub-score

Capital position is strong: Tier 1 RBC 13.50%, CET1 13.50%, leverage 10.55%.

Tier 1 RBC
13.50%
CET1
13.50%
Leverage
10.55%
No watch items at this period.

Asset Quality

StrongQoQ -8
86
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 8.7%, NCO YTD 0.22%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.22%
30-89 PD
1.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
26
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 72.3%, true coverage 41.3%.

ALLL / Loans
0.96%
Coverage
72.3%
True Loss Coverage
41.3%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.3% (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