Banc of California
Los Angeles, California · FDIC Cert #24045
Banc of California is an FDIC-insured bank (Certificate #24045) with $35.2B in total assets and $29.0B in total deposits as of the Q2 2024 Call Report. 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). 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
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 6 points above the California state average of 72 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 79, meaning this bank ranks below its size cohort. Site-wide, Banc of California is 8 points above the portfolio average of 70.
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 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.