Skip to content

Banc of California BANC Provision for Credit Losses

Provision for Credit Losses at other companies

The Bancorp logo
The BancorpTBBK
$27.5M-41.2%
Customers Bancorp logo
Customers BancorpCUBI
JPMorgan Chase logo
JPMorgan ChaseJPM
Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
Valley National Bank logo
Valley National BankVLY
United Community Banks logo
United Community BanksUCB

Other financials

Income statement

See full
Revenue$286.9M+7.9%
Net income$72.0M+34.3%
EPS (diluted)$0.39+50.0%

Balance sheet

See full
Cash & equivalents$2.2B-5.4%
Total debt$3.1B+73.6%
Total equity$3.6B+0.9%
Total assets$34.7B+2.8%

Cash flow

See full
Operating cash flow$49.0M+224%
CapEx$3.4M+122%
Free cash flow$45.6M+235%

Valuation

See full
Market cap$3.16B+13.0%
Enterprise value$4.05B+95.2%
P/E12.8×-5.9×
P/S2.8×0.0×

Profitability

See full
Net margin21.7%+6.8pp
FCF margin23.4%

Returns & leverage

See full
Return on equity7%+2.7pp
Debt / equity0.9×+0.4×

Where this comes from

Reported directly by Banc of California in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

The official record: Banc of California’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

Ask your AI about Banc of California's provision for credit losses.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Banc of California's provision for credit losses?
Banc of California (BANC) reported provision for credit losses of $17.65M in Q4 2025.
How has Banc of California's provision for credit losses changed year-over-year?
Banc of California's provision for credit losses increased by 64.9% year-over-year, from $10.7M to $17.65M.
What is the long-term trend for Banc of California's provision for credit losses?
Over 3 years (2022 to 2025), Banc of California's provision for credit losses has grown at a 42.3% compound annual growth rate (CAGR), from $24.5M to $70.6M.
What does provision for credit losses mean?
This represents the periodic expense recognized to maintain an adequate allowance for credit losses based on the bank's assessment of potential future defaults within its loan portfolio. It serves as a forward-looking indicator of credit quality and management's expectations regarding the collectability of outstanding financing receivables. A higher provision typically signals deteriorating credit conditions or significant portfolio growth.