Banc of California: how it compares with its peers
Against 74 U.S. banks with half to twice its assets, Banc of California's strongest measure in Q2 2026 is assets per employee ($18.3M vs. a $12.3M peer median). Its weakest relative measure is return on assets (-0.88% vs. 1.25%).
| Measure | Banc of California | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.88% | 1.25% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.31% | 3.63% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.49% | 53.38% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.3M | $12.3M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.18% | 86.19% | Context |
What it means for lending operations
Its efficiency ratio of 61.49% is above the 53.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BankUnited, National Association Miami Lakes, FL · $34.86B
- Commerce Bank Kansas City, MO · $35.02B
- First National Bank of Omaha Omaha, NE · $34.20B
- United Bank Fairfax, VA · $33.64B
- Texas Capital Bank Dallas, TX · $33.62B
- Hancock Whitney Bank Gulfport, MS · $36.33B
Questions about Banc of California
How big is Banc of California?
Banc of California, established in 1982, is headquartered in Los Angeles, CA. It reported $34.90B in total assets in its Q2 2026 FDIC call report and operates 84 offices.
What is Banc of California's return on assets?
-0.88% annualized in Q2 2026, against a 1.25% median for 74 U.S. banks with half to twice its assets, ahead of 0% of them.
What is Banc of California's efficiency ratio?
61.49% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 53.38%, and lower is better.
Is Banc of California growing its loans?
Net loans grew 1.6% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.