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Banc of California (BANC) investor relations material
Banc of California Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Diluted EPS rose to $0.38 in Q3 2025, up 23% quarter-over-quarter, reflecting strong core earnings, positive operating leverage, and disciplined expense management.
Net interest margin expanded to 3.22%, up 12 basis points sequentially, supported by higher loan yields and lower deposit costs.
Return on tangible common equity increased to 9.87%, and return on average assets rose to 0.82%.
Share repurchases totaled $35 million in Q3 and $185 million year-to-date, reducing outstanding shares by over 8%.
Core deposit trends were positive, with non-interest-bearing deposits now 28% of total deposits.
Financial highlights
Net income for Q3 was $59.7 million, or $0.38 per diluted share, with total revenue up over 5% to $287.7 million.
Net interest income rose to $253.4 million, up 5% from Q2, and noninterest income increased to $34.3 million.
Noninterest expense remained flat at $185.7 million; adjusted efficiency ratio improved to 58.24%.
Tangible book value per share increased 3% quarter over quarter to $16.99.
Allowance for credit losses at 1.12% of total loans (1.65% economic coverage basis).
Outlook and guidance
Management expects further earnings growth, with loan and deposit growth targeted in the mid-single-digit range and NIM expected to remain within 3.20%-3.30% for Q4.
Expense guidance for Q4 is at or below the low end of the range, with continued focus on cost control.
Margin expansion anticipated to continue, driven by higher-yielding loan production and disciplined deposit cost management.
ROAA target of ~1.1%+ and ROTCE of 13%+ remain unchanged.
Impact of loan payoffs on Q3 NIM expansion?
Why did classified loans increase in Q3?
Q3 share repurchase activity and remaining capacity.
NDFI lending: What are key risk mitigants?
How does DTA impact CET1 for buybacks?
What drives expense control and efficiency?
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Next Banc of California earnings date
Q4 202522 Jan, 2026
Next Banc of California earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Banc of California Inc is a bank holding company that provides a range of commercial and personal banking services through its subsidiary, Banc of California. Its offerings include loans, deposit accounts, mortgage products, and treasury services aimed at businesses and individuals throughout California. The company operates through branch offices and digital platforms. Banc of California Inc is headquartered in Los Angeles, California, and its shares are listed on the NYSE.
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