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18500 Von Karman Avenue
Irvine, CA 92612

Banc of California is headquartered in Irvine and is the 19st largest bank in the state of California. It is also the 210st largest bank in the nation. It was established in 1941 and as of March of 2014, it had grown to 1,191 employees at 17 locations. Banc of California has a A health rating.

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Reviews (4)

Great Rates - No Info

I opened an account with them when they were Pacific Trust Bank. Banc of California bought them out in the interim. They offered a special 1.25% APY til 12/31/2013. That deal ends in 2 weeks. I called today to find out the new rate and they will not provide the new rate until Jan 1, 2014. They "believe" it will drop .15%, although that is undetermined. I asked a variety of add'l questions all of which were met with vague answers. I've never heard a bank rep who had so little information. For example, the rep stated they would keep the rate 1.25% if I made them my 'main' bank. But they were unable to tell me what that meant. They didn't know if 1 bill pay or 20 was required. They said they didn't have that information. They said I needed to write checks. I asked how many? They said they didn't have that information. Hard to decide if I would switch to a bank that has no information.

Rates Dropped To .75% As Of June 2014

Without notice this bank dropped my rate from 1% to .75%. I logged into my account and saw the drop (no email or notice was provided in advance or after. Very poor form.

Rates Dropped To 1%

They dropped their rates to 1% unless you are willing to make them your primary bank (direct deposit and a certain number of checks or bill pay). If you do that you can receive 1.25 APY%.

Their online interface is one of the worst - it took an in-person visit to the bank to stop mailed accounts and even then they didn't stop until additional contact with online CS.

However, I rarely interact with their online interface directly and use alternate websites to push/pull funds.

Rate Continuing In 2014 At 1.1%

Although this bank had no info in my prior post - they confirmed they are offering a 1.1% APY in 2014. Since that's the best available, I'll keep my money with them. Haven't had any issues and with that sort of rate willing to deal with the lack of CS answers. I use Ally to push/pull - so no issues getting money in/out.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Banc of California had $44.99 million in non-current loans and owned real-estate with $411.22 million in equity and loan loss allowances on hand to cover it. This gives Banc of California a Texas Ratio of 10.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Banc of California decreased dramatically from 16.39% as of March 31, 2013 to 10.94% as of March 31, 2014, resulting in a positive change of 33.25%.This indicates that the balance sheet and financial strength for Banc of California has improved dramatically in recent periods.

Deposit Growth


In the past year, Banc of California has increased its total deposits by $1.7 billion, resulting in 119.74% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Banc of California has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Banc of California has $4.02 billion in assets with $411.22 million in equity, resulting in a capitalization level of 10.23%, which is above average.

Institution Statistics

FDIC Certificate #35498
Year Established1941
Primary RegulatorOCC
Assets and Liabilities
Assets$4.02 billion
Loans$3.37 billion
Deposits$3.12 billion
Equity Capital$391.22 million
Loan Loss Allowance$20.00 million
Unbacked Noncurrent Loans$44.84 million
Real Estate Owned$150,000
Historic Data - March 2013
Assets$1.64 billion
Equity Capital$174.66 million
Loan Loss Allowance$14.39 million
Unbacked Noncurrent Loans$44.84 million
Real Estate Owned$336,000
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.45%
Return on Equity4.46%
Interest Income$42.63 million

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Banc of California has 20 locations. Click to view all Banc of California locations.