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Banc of California BANC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$23B+12.9%
East-West Bancorp logo
East-West BancorpEWBC
$651.65M+13.9%
Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
$716.5M+8.9%
California BanCorp logo
California BanCorpBCAL
$42.64M+1.4%
Customers Bancorp logo
Customers BancorpCUBI
$170.3M+9.2%
Capital Bancorp logo
Capital BancorpCBNK
$47.28M+8.5%

Other financials

Income statement

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Revenue$16.4M-94.0%
Net income-$241.3M-950%
EPS (diluted)-$1.61-1,442%

Balance sheet

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Cash & equivalents$2.8B+19.7%
Total debt$2.6B+25.9%
Total equity$3.4B-0.5%
Total assets$35.0B+2.3%

Cash flow

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Operating cash flow$161.4M+157%
CapEx$2.6M+106%
Free cash flow$158.8M+158%

Valuation

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Market cap$3.01B+32.7%
Enterprise value$2.77B+41.1%
P/S3.4×+1.2×

Profitability

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Net margin-2.5%-17.0pp
FCF margin41.2%

Returns & leverage

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Return on equity-0.7%-5.0pp
Debt / equity0.8×+0.2×

Where this comes from

Reported directly by Banc of California in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Banc of California’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:35 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001628280-26-054876
Line itemThree Months Ended / June 30, 2026Three Months Ended / March 31, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total interest expense164,095155,825180,293319,920354,584
Net interest income250,501251,617240,216502,118472,580
Provision for credit losses161,7809,80039,100171,58048,400
Net interest income after provision for credit losses88,721241,817201,116330,538424,180
Noninterest income:
Leased equipment income7,8208,53010,23116,35021,015
Commissions and fees9,03410,9809,64120,01419,599
Service charges on deposit accounts4,7634,9784,4569,7418,999

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is Banc of California's net interest income (after provisions)?
Banc of California (BANC) reported net interest income (after provisions) of $88.72M in Q2 2026.
How has Banc of California's net interest income (after provisions) changed year-over-year?
Banc of California's net interest income (after provisions) decreased by 55.9% year-over-year, from $201.12M to $88.72M.
What is the long-term trend for Banc of California's net interest income (after provisions)?
Over 4 years (2021 to 2025), Banc of California's net interest income (after provisions) has grown at a 38.4% compound annual growth rate (CAGR), from $246.92M to $906.79M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which represents the bank's estimate of potential future loan defaults. It provides a more accurate view of the bank's net earnings power after accounting for the inherent risk in its loan portfolio.

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