---
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"
generated_at: "2026-05-17T02:41:43.380317+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-045889
- JSON: https://secwatch.observer/filing/0001628280-25-045889.json
- Plain text: https://secwatch.observer/filing/0001628280-25-045889.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.