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Banc of California (BANC) investor relations material
Banc of California Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Achieved 9% annualized loan growth and reported net earnings of $18.4M ($0.12 per share) for Q2 2025; adjusted net earnings were $48.4M ($0.31 per share), reflecting one-time items and strategic actions.
Total revenue rose 3% sequentially to $272.8M, with pre-tax pre-provision income up 6% to $87.0M, driven by loan growth and expense management.
Strategic sale of $507M in commercial real estate loans commenced, improving credit quality metrics and strengthening the balance sheet.
Repurchased $150M of common stock (6.8% of shares) in Q2; $150M remains authorized for buybacks.
Tangible book value per share increased to $16.46; CET1 ratio at 9.92%, both up 2% from Q1.
Financial highlights
Net interest income increased to $240.2M in Q2 2025, with net interest margin up to 3.10% (up 2 bps sequentially).
Total loans (including held for sale) grew 2% sequentially to $24.7B; total deposits rose 1% to $27.5B.
Provision for credit losses was $39.1M in Q2, up from $9.3M in Q1, mainly due to the strategic loan sale.
Noninterest income was $32.6M, down 3% from Q1, mainly due to mark-to-market fluctuations.
Noninterest expense increased by $2.2M to $185.9M, mainly from higher insurance and compensation costs.
Outlook and guidance
2025 outlook targets mid-single-digit growth in loans and deposits, with NIM of 3.20%-3.30% by Q4 2025.
Noninterest expense expected to average $190M–$195M per quarter as investments in compensation and infrastructure increase.
Margin target range expected to be achieved in Q4; no rate cuts assumed in the outlook.
Provision for credit losses expected to be $10M–$12M per quarter, depending on loan mix.
Management anticipates continued focus on core deposit growth, prudent expense management, and maintaining strong capital and liquidity positions.
What drove the decision to sell CRE loans?
What's the plan for ECR cost management?
How will the digital platform impact deposits?
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Next Banc of California earnings date
Q3 202521 Oct, 2025
Next Banc of California earnings date
Q3 202521 Oct, 2025
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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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