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Banc of California BANC Provision for Credit Losses

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.52B-11.7%
East-West Bancorp logo
East-West BancorpEWBC
$33M-26.7%
Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
$80.4M+102%
Customers Bancorp logo
Customers BancorpCUBI
$600K-62.5%
Capital Bancorp logo
Capital BancorpCBNK
$3.59M-12.2%
Community West Bancshares logo
Community West BancsharesCWBC
$5.64M+116%

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$2.97B+30.1%
Enterprise value$2.72B+38.0%
P/S3.4×+1.1×

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:ProvisionForLoanLeaseAndOtherLosses.

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
Subordinated debt13,25715,41515,33228,67230,672
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

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is Banc of California's provision for credit losses?
Banc of California (BANC) reported provision for credit losses of $161.78M in Q2 2026.
How has Banc of California's provision for credit losses changed year-over-year?
Banc of California's provision for credit losses increased by 313.8% year-over-year, from $39.1M to $161.78M.
What is the long-term trend for Banc of California's provision for credit losses?
Over 4 years (2021 to 2025), Banc of California's provision for credit losses has grown at a 79.1% compound annual growth rate (CAGR), from $6.85M to $70.6M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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