Banc of California Q3 EPS $0.38 vs $0.12 in Q2; revenue up 5%, NIM expands 12 bps

BANC OF CALIFORNIA, INC.

2025-Q3 EPS reported $0.75 revenue$1,360,273,000

Diluted EPS of $0.38, up from $0.12 in Q2; net earnings $59.7M vs $18.4M
Total revenue $287.7M (+5% QoQ); pre-tax pre-provision income $102M (+17% QoQ)
Net interest margin 3.22% (+12 bps); loan yield 6.05% (+12 bps); cost of funds 2.37% (-5 bps)
Noninterest expense flat at $185.7M; efficiency ratio improved to 62.05% from 65.50%
Book value per share $19.09 (+3% QoQ); tangible book $16.99; CET1 ratio 10.14% strong

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