{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-002899","form_type":"8-K","ticker":"BANC","cik":"0001169770","company_name":"BANC OF CALIFORNIA, INC.","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.636174+00:00","generated_at":"2026-05-16T09:13:34.801566+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 Q4 diluted EPS $0.42, up 11% QoQ; full year EPS $1.17 vs $0.52","bullets":["Q4 net earnings available to common stockholders $67.4M ($0.42 diluted EPS), vs $59.7M ($0.38) in Q3 2025.","Full year 2025 net earnings $189.2M ($1.17 diluted EPS) vs $87.1M ($0.52) in 2024; adjusted EPS $1.35.","Net interest margin 3.20% in Q4; total revenue $292.9M (+2% QoQ); pre-tax pre-provision income $112.3M (+10% QoQ).","Total loans $25.2B, +15% annualized in Q4; noninterest-bearing deposits $7.8B, +11% annualized.","Book value per share $19.56 (+2% QoQ); tangible book value $17.51 (+3% QoQ); CET1 ratio 10.01%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-002899","json":"https://secwatch.observer/filing/0001628280-26-002899.json","markdown":"https://secwatch.observer/filing/0001628280-26-002899.md","text":"https://secwatch.observer/filing/0001628280-26-002899.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1169770/000162828026002899/0001628280-26-002899-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1169770/000162828026002899/banc-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:13:34.801566+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"}