{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-045889","form_type":"8-K","ticker":"BANC","cik":"0001169770","company_name":"BANC OF CALIFORNIA, INC.","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.924073+00:00","generated_at":"2026-05-17T02:41:43.380317+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Banc of California Q3 EPS $0.38 vs $0.12 in Q2; revenue up 5%, NIM expands 12 bps","bullets":["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"],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-045889","json":"https://secwatch.observer/filing/0001628280-25-045889.json","markdown":"https://secwatch.observer/filing/0001628280-25-045889.md","text":"https://secwatch.observer/filing/0001628280-25-045889.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1169770/000162828025045889/0001628280-25-045889-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1169770/000162828025045889/banc-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:41:43.380317+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}