Banc of California, Inc.
bancofcal.comWhat Do They Do?
Provides loans, deposit accounts and payment-processing services to businesses, nonprofits and individuals.
10-K for FY2025, filed Feb 27, 2026The Bank is one of the nation’s premier relationship-based business banks, providing banking and treasury management services to small…View ↗
The Bank is organized into four business groups – Commercial & Community Banking ("CCB"), Specialty Banking, Deposit and Transaction…View ↗
We offer a wide variety of deposit, loan, and other financial services to small and middle-market businesses, venture capital and private…View ↗
How Do They Make Money?
Interest on loans, securities and interest-earning deposits makes up most of its income; customers also pay account and payment fees. Transaction fees are collected when the service occurs, while account and management fees are charged monthly, quarterly or annually.
10-K for FY2025, filed Feb 27, 2026Substantially all of the Company's revenue, such as interest income on loans, investment securities, and interest-earning deposits in…View ↗
Revenue from contracts with customers is measured based on the consideration specified in the contract with a customer, and excludes…View ↗
Revenue earned at a point in time. Examples of revenue earned at a point in time are ATM transaction fees, wire transfer fees, NSF fees…View ↗
-
10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Service charges on deposit accounts) ↗
$1.8B
-
10-K for FY2025, filed Feb 27, 2026
$1.8B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Interest
|
0.0%
FY2022: 0.0%
|
Interest, FY2025
$0 Sources
|
|
|
Service Charges On Deposit Accounts
Recurring
|
49%
FY2022: 46%
|
Service Charges On Deposit Accounts, FY2025
$19.1M Sources
|
Recurring |
|
Other Commissions And Fees
|
49%
FY2022: 51%
|
Other Commissions And Fees, FY2025
$19.1M Sources
|
|
|
Lease Equipment Income
|
0.0%
FY2022: 0.0%
|
Lease Equipment Income, FY2025
$0 Sources
|
|
|
Gain On Sale Of Loans
|
0.0%
FY2022: 0.0%
|
Gain On Sale Of Loans, FY2025
$0 Sources
|
|
|
Gain On Sale Of Securities
|
0.0%
FY2022: 0.0%
|
Gain On Sale Of Securities, FY2025
$0 Sources
|
|
|
Other
|
1.4%
FY2022: 3.1%
|
Other, FY2025
$560K Sources
|
|
|
Noninterest Income
|
100%
FY2022: 100%
|
Noninterest Income, FY2025
$38.8M Sources
|
|
|
Dividends and Gains (Losses) on Equity Investments
|
0.0%
FY2022: 0.0%
|
Dividends and Gains (Losses) on Equity Investments, FY2025
$0 Sources
|
|
|
Warranty Income
|
0.0%
FY2022: 0.0%
|
Warranty Income, FY2025
$0 Sources
|
|
|
LOCOM Held For Sale Adjustment
|
0.0%
FY2022: 0.0%
|
LOCOM Held For Sale Adjustment, FY2025
$0 Sources
|
Who Are Their Customers?
Small, middle-market and venture-backed businesses, nonprofits, and individuals use the bank’s branches, regional offices and online, mobile, remote-deposit and telephone channels.
10-K for FY2025, filed Feb 27, 2026The Bank is one of the nation’s premier relationship-based business banks, providing banking and treasury management services to small…View ↗
We offer a wide variety of deposit, loan, and other financial services to small and middle-market businesses, venture capital and private…View ↗
Our branch network allows us to gather deposits, expand our brand presence, and service our customers’ banking and cash management needs.…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 13 cents of every revenue dollar as net income in FY2025 and turned 13 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 7, 2026
−$241.3MView ↗
- ▼ Now a loss
- vs $28.4M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
Growing. Revenue grew 34% in 4 years, from $1.4B in FY2021 to $1.8B in FY2025, about 8% a year.
Payments services
The older report described an acquired software-led platform for merchant processing, payment acceptance and disbursements; the latest describes a bank-led service covering merchant acquiring and business card issuing.
10-K for FY2022, filed Feb 27, 2023 10-K for FY2025, filed Feb 27, 2026Deepstack Acquisition. On September 15, 2022, we completed the acquisition of the assets of Global Payroll Gateway, Inc. and its wholly…View ↗
Broader geographic reach
The older report described serving businesses, business owners and individuals within California; the latest describes regional offices nationwide and service to community association managers nationwide.
10-K for FY2022, filed Feb 27, 2023 10-K for FY2025, filed Feb 27, 2026The Bank is a relationship-focused business bank. We deliver comprehensive products and solutions for businesses, business owners, and…View ↗
The Bank is one of the nation’s premier relationship-based business banks, providing banking and treasury management services to small…View ↗
Loading...
