Banc of California Balance Sheet Health
Financial Health criteria checks 6/6
Banc of California has total assets of $35.2B and total equity of $3.4B. Total deposits are $28.8B, and total loans are $23.0B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $2.7B.
Key information
10.3x
Asset to equity ratio
2.0%
Net interest margin
| Total deposits | US$28.80b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$2.70b |
Recent financial health updates
Recent updates
Banc of California: Opportunity Amidst The Noise
Jul 09Banc of California: 0.75x Book Value, Soaring NII, 3.1% Dividend (Rating Upgrade)
Jun 21Banc of California: Priced Below Tangible Book Value Unfairly
Jun 11Banc of California: A Regional Bank Gem Selling At 0.8X BV
Mar 28Banc of California: Consider The Post-Merger Preferred Stock For Income
Feb 07Banc of California: A Top Dividend Growth Stock For 2024
Dec 14Banc of California: United We Will Likely Get More Dividends
Dec 06Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BANC's Assets to Equity ratio (10.3x) is moderate.
Allowance for Bad Loans: BANC has a sufficient allowance for bad loans (212%).
Low Risk Liabilities: 90% of BANC's liabilities are made up of primarily low risk sources of funding.
Loan Level: BANC has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: BANC's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: BANC has an appropriate level of bad loans (0.5%).