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Banc of California
Banc of California (BANC) investor relations material
Banc of California Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved strong Q4 and full-year 2025 results, with robust loan and deposit growth, margin expansion, and disciplined expense management.
Successfully integrated a major merger at the end of 2023, driving operational and financial improvements.
Focused on relationship-driven strategies, technology investments, and talent acquisition to support sustainable growth.
Continued focus on scaling franchise, maintaining credit quality, and returning capital to shareholders through share repurchases.
Tangible book value per share increased to $17.51, up 11% year-over-year.
Financial highlights
Q4 net income available to shareholders was $67.4 million, or $0.42 per diluted share, up 11% sequentially; full-year adjusted EPS was $1.35, up 69% year-over-year.
Net interest income for Q4 was $251.4 million; net interest margin was 3.20% for Q4 and 3.15% for the year, up 30 bps year-over-year.
Full-year loan production disbursements reached $9.6 billion, up 31% year-over-year; total loans grew 6% year-over-year.
Adjusted efficiency ratio improved to 59.4% for FY25, down 897 bps year-over-year.
Returned capital to shareholders by repurchasing 13.6 million shares (8% of common stock outstanding), totaling $185.5 million in 2025.
Outlook and guidance
2026 guidance calls for mid-single-digit loan and deposit growth, 10%-12% net interest income growth, and 20%-25% pre-tax, pre-provision income growth.
Expense growth for 2026 guided at 3%-3.5% over 2025, with continued investment in technology and talent.
Targeting CET1 ratio of 10%+, ROAA of ~1.1%+, and ROTCE of 13%+.
No additional Fed rate cuts assumed in guidance; any rate cuts would provide upside to earnings.
Future loan portfolio mix strategy?
Q1 2026 NIM outlook given Q4 loan production?
Drivers of Q4 30-89 day loan delinquency rise?
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Next Banc of California earnings date
Q1 202623 Apr, 2026
Banc of California
Next Banc of California earnings date
Q1 202623 Apr, 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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