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Dec 31, 2025
Banc of California Q4 2025 Earnings Report
Banc of California reported a significant increase in diluted earnings per share and total loans for the fourth quarter of 2025.
Key Takeaways
Banc of California, Inc. reported net earnings available to common and equivalent stockholders of $67.4 million, or $0.42 per diluted common share, for the fourth quarter of 2025. This represents an 11% increase quarter over quarter. Total loans and leases grew by 15% annualized, reaching $25.2 billion, and noninterest-bearing deposits increased by 11% annualized. The net interest margin for the quarter was 3.20%.
Diluted earnings per share increased by 11% quarter over quarter to $0.42.
Total loans and leases grew by 15% annualized to $25.2 billion.
Noninterest-bearing deposits increased by 11% annualized, representing 28% of total deposits.
Net interest income decreased by $2.1 million to $251.4 million for the fourth quarter.
Forward Guidance
Banc of California is well-positioned for continued growth in 2026, driven by strong market position, talented teams, and continued execution, with fourth quarter loan growth expected to provide a tailwind for the first quarter of 2026.
Positive Outlook
- Continued momentum of core earnings engine and validated business strategy.
- Double-digit annualized loan and noninterest-bearing deposit growth achieved.
- Double-digit return on average tangible common equity maintained.
- Disciplined expense management and stable credit quality.
- Strong market position and talented teams for continued execution.
Challenges Ahead
- Potential for changes in general economic conditions, including recession or economic downturn.
- Risks related to interest rate environment changes affecting revenue, expenses, and asset values.
- Credit risks from lending activities, including real estate market deterioration and operational risks.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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