Banc of California
Los Angeles, California · FDIC Cert #24045
This is the FDIC profile for Banc of California, an FDIC-insured bank (Certificate #24045) with $35.2B in total assets and $29.0B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Los Angeles, California, the bank maintains a Tier 1 capital ratio of 13.77% (Well-Capitalized) and a nonperforming loan ratio of 0.65%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Banc of California (FDIC cert 24045) is a large bank with $35.2B in total assets and $29.0B in deposits, headquartered in Los Angeles, California. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.77% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.65% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 20.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.66% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Banc of California carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Banc of California
- Total Assets
- $35.2B
- Total Deposits
- $29.0B
- Tier 1 Capital Ratio
- 13.77%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.65%
- Liquidity Ratio
- 20.58%
- Return on Assets
- 0.66%
- Headquarters
- Los Angeles, California
- FDIC Certificate
- #24045
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Banc of California files quarterly Call Reports with the FDIC under Certificate #24045. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Banc of California holds a Tier 1 capital ratio of 13.77%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Banc of California has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Banc of California shows strong financial health indicators. With $35.2B in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Banc of California Compares
Banc of California’s Health Score of 78 is 4 points below the California state average of 82 across 123 FDIC-insured banks. Its 13.77% Tier 1 capital ratio is 0.2 points below the US banking industry average near 14%. The 0.65% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.66% is below the national ROA benchmark of ~1.1%. Among 62 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Banc of California is 2 points below the portfolio average of 80.
Frequently Asked Questions
Banc of California has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.77%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Banc of California's Tier 1 capital ratio of 13.77% and nonperforming loan ratio of 0.65% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Banc of California is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #24045). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Banc of California holds $35.2B in total assets and $29.0B in total deposits. It is headquartered in Los Angeles, California (FDIC Certificate #24045).
Banc of California's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #24045 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Banc of California has a Tier 1 capital ratio of 13.77%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.65%, and the return on assets is 0.66%.
Yes. Banc of California is FDIC-insured (Certificate #24045). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Banc of California's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.