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UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 10-Q


☑			QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2026


☐			TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______ to ______

Commission File Number 001-35522

BANC OF CALIFORNIA, INC.

(Exact name of registrant as specified in its charter)


Maryland						04-3639825
(State or other jurisdiction of incorporation or organization)						(I.R.S. Employer Identification No.)

11611 San Vicente Boulevard, Suite 500

Los Angeles, CA 90049

(Address of Principal Executive Offices, Including Zip Code)

(855) 361-2262

(Registrant's Telephone Number, Including Area Code)

N/A

(Former name, former address and former fiscal year, if changed since last report)

Securities registered pursuant to Section 12(b) of the Act:

Common Stock, par value $0.01 per share

BANC

New York Stock Exchange

Depositary Shares, each representing a 1/40th interest

in a share of 7.75% fixed rate reset non-cumulative

perpetual preferred stock, Series F

BANC/PF

New York Stock Exchange

(Title of Each Class)

(Trading Symbol)

(Name of Exchange on Which Registered)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☑ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☑ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule 12b-2 of the Exchange Act.

☑

Large accelerated filer

☐

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑

As of April 30, 2026, there were 153,724,787 shares of the registrant's voting common stock outstanding, excluding 60,269 shares of unvested restricted stock, and there were 477,321 shares of the registrant's class B non-voting common stock outstanding.

BANC OF CALIFORNIA, INC.

MARCH 31, 2026 QUARTERLY REPORT ON FORM 10-Q

TABLE OF CONTENTS


		Page

PART I. FINANCIAL INFORMATION

Item 1.	Consolidated Financial Statements (Unaudited)
	Consolidated Balance Sheets	4
	Consolidated Statements of Earnings	5
	Consolidated Statements of Comprehensive Income	6
	Consolidated Statements of Changes in Stockholders' Equity	7
	Consolidated Statements of Cash Flows	9
	Notes to Unaudited Consolidated Financial Statements	11
Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	54
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	80
Item 4.	Controls and Procedures	83

PART II. OTHER INFORMATION

Item 1.	Legal Proceedings	83
Item 1A.	Risk Factors	83
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	83
Item 3.	Defaults Upon Senior Securities	84
Item 4.	Mine Safety Disclosures	84
Item 5.	Other Information	84
Item 6.	Exhibits	84
Signatures		85

PART I. FINANCIAL INFORMATION

Glossary of Acronyms, Abbreviations, and Terms

The acronyms, abbreviations, and terms listed below are used in various sections of this Quarterly Report on Form 10-Q, including "Item 1. Financial Statements" and "Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations."

ACL

Allowance for Credit Losses

FRB

Board of Governors of the Federal Reserve System

AFS

Available-for-Sale

FRBSF

Federal Reserve Bank of San Francisco

ALLL

Allowance for Loan and Lease Losses

HFI

Held for Investment

AOCI

Accumulated Other Comprehensive Income (Loss)

HFS

Held for Sale

ASC

Accounting Standards Codification

HLBV

Hypothetical Liquidation at Book Value

ASU

Accounting Standards Update

HTM

Held-to-Maturity

Basel III

A comprehensive capital framework and rules for U.S. banking organizations approved by the FRB and the FDIC in 2013

IRR

Interest Rate Risk

BOLI

Bank Owned Life Insurance

LIHTC

Low Income Housing Tax Credit

CDI

Core Deposit Intangible Assets

LOCOM

Lower of Cost or Market

CECL

Current Expected Credit Loss

MBS

Mortgage-Backed Securities

CET1

Common Equity Tier 1

NII

Net Interest Income

CMBS

Commercial Mortgage-Backed Securities

NVCE

Non-Voting Common Stock Equivalents

CMOs

Collateralized Mortgage Obligations

OREO

Other Real Estate Owned

CODM

Chief Operating Decision Maker

PSUs

Performance Stock Units

CRE

Commercial Real Estate

ROU

Right-of-use

CRA

Community Reinvestment Act

RSUs

Restricted Stock Units

CRI

Customer Relationship Intangible Assets

SBA

Small Business Administration

DFPI

California Department of Financial Protection and Innovation

SBIC

Small Business Investment Company

DTAs

Deferred Tax Assets

SEC

Securities and Exchange Commission

ECR

Earnings Credit Rate

SFR

Single-Family Residential

EVE

Economic Value of Equity

SOFR

Secured Overnight Financing Rate

FASB

Financial Accounting Standards Board

TRSAs

Time-Based Restricted Stock Awards

FDIC

Federal Deposit Insurance Corporation

U.S. GAAP

U.S. Generally Accepted Accounting Principles

FHLB

Federal Home Loan Bank of San Francisco

ITEM 1. CONSOLIDATED FINANCIAL STATEMENTS (UNAUDITED)

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS


	March 31, 2026		December 31, 2025
	(in thousands, except par value amounts)
ASSETS:
Cash and due from banks	$	214,120	$	181,103
Interest-earning deposits in financial institutions	2,003,149		2,126,862
Total cash, cash equivalents, and restricted cash	2,217,269		2,307,965
Securities AFS, at fair value, net of allowance for credit losses (amortized cost of
$2,857,903 and $2,646,414, respectively)(ACL of $775 and $775, respectively)	2,656,332		2,454,058
Securities HTM, at amortized cost, net of allowance for credit losses (fair value of
$2,227,000 and $2,246,526, respectively)(ACL of $695 and $695, respectively)	2,313,548		2,308,636
FRB and FHLB stock, at cost	170,342		160,442
Total investment securities	5,140,222		4,923,136
Loans HFS	259,049		182,936
Loans and leases HFI	24,780,347		25,032,679
Allowance for loan and lease losses	(241,600)		(245,612)
Total loans and leases HFI, net	24,538,747		24,787,067
Equipment leased to others under operating leases	223,558		238,232
Premises and equipment, net	146,316		146,698
Bank owned life insurance	352,707		350,083
Goodwill	214,521		214,521
Intangible assets, net	99,091		105,287
Deferred tax asset, net	653,481		656,755
Other assets	879,280		884,762
Total assets	$	34,724,241	$	34,797,442
LIABILITIES:
Noninterest-bearing deposits	$	7,797,542	$	7,822,787
Interest-bearing deposits	19,524,592		20,020,570
Total deposits	27,322,134		27,843,357
Borrowings (including $111,250 and $113,634 at fair value, respectively)	2,551,250		2,063,819
Subordinated debt	954,072		952,740
Accrued interest payable and other liabilities	343,459		396,249
Total liabilities	31,170,915		31,256,165
Commitments and contingencies (Note 10)
STOCKHOLDERS' EQUITY:
Preferred stock	498,516		498,516
Common stock ($0.01 par value, 153,784,724 shares issued and 153,722,123 outstanding at
March 31, 2026; 150,039,018 shares issued and 149,963,520 outstanding at December 31, 2025)	1,538		1,500
Class B non-voting common stock ($0.01 par value, 477,321 shares issued at March 31, 2026
and 477,321 shares issued at December 31, 2025)	5		5
NVCE ($0.01 par value, — shares issued at
March 31, 2026 and 5,017,064 shares issued at December 31, 2025)	—		50
Additional paid-in capital	3,501,213		3,552,483
Retained deficit	(180,011)		(242,016)
Accumulated other comprehensive loss, net	(267,935)		(269,261)
Total stockholders' equity	3,553,326		3,541,277
Total liabilities and stockholders' equity	$	34,724,241	$	34,797,442

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF EARNINGS


	Three Months Ended
	March 31,		December 31,		March 31,
	2026		2025		2025
	(In thousands, except per share amounts)
Interest income:
Loans and leases	$	349,943	$	359,268	$	346,103
Investment securities	41,873		39,557		37,862
Deposits in financial institutions	15,626		18,123		22,690
Total interest income	407,442		416,948		406,655
Interest expense:
Deposits	120,233		129,896		140,530
Borrowings	20,177		19,858		18,421
Subordinated debt	15,415		15,832		15,340
Total interest expense	155,825		165,586		174,291
Net interest income	251,617		251,362		232,364
Provision for credit losses	9,800		12,500		9,300
Net interest income after provision for credit losses	241,817		238,862		223,064
Noninterest income:
Leased equipment income	8,530		16,381		10,784
Commissions and fees	10,980		9,524		9,958
Service charges on deposit accounts	4,978		5,038		4,543
Gain on sale of loans and leases	7		18		211

Dividends and gains on equity investments	2,002		3,492		2,323
Warrant income (loss)	938		361		(295)

Other income	7,893		6,757		6,126
Total noninterest income	35,328		41,571		33,650
Noninterest expense:
Compensation	91,100		85,862		86,417
Customer related expense	23,737		24,870		27,751
Occupancy	14,892		14,726		15,010
Information technology and data processing	14,339		13,751		15,099
Insurance and assessments	6,764		7,070		7,283
Intangible asset amortization	6,348		6,788		7,160
Leased equipment depreciation	5,304		6,202		6,741
Other professional services	4,236		6,774		4,513
Loan expense	4,292		4,445		2,930


Other expense	10,379		10,156		10,749
Total noninterest expense	181,391		180,644		183,653
Earnings before income taxes	95,754		99,789		73,061
Income tax expense	23,802		22,398		19,493
Net earnings	71,952		77,391		53,568
Preferred stock dividends	9,947		9,947		9,947
Net earnings available to common and equivalent stockholders	$	62,005	$	67,444	$	43,621

Earnings per share:
Basic	$	0.40	$	0.43	$	0.26
Diluted	$	0.39	$	0.42	$	0.26

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME


	Three Months Ended
	March 31,		December 31,		March 31,
	2026		2025		2025
	(In thousands)
Net earnings	$	71,952	$	77,391	$	53,568
Other comprehensive income, net of tax:
Unrealized net holding (losses) gains on securities AFS arising during the period	(9,215)		15,671		38,470
Income tax benefit (expense) related to unrealized net holding gains arising during the period	2,553		(4,350)		(10,952)
Unrealized net holding (losses) gains on securities AFS, net of tax	(6,662)		11,321		27,518
Amortization of unrealized net loss on securities transferred from AFS to HTM	8,576		8,606		8,342
Income tax expense related to amortization of unrealized net loss on securities transferred from AFS to HTM	(2,376)		(2,377)		(2,378)
Amortization of unrealized net loss on securities transferred from AFS to HTM, net of tax	6,200		6,229		5,964
Change in fair value of credit-linked notes	(111)		(122)		146
Income tax benefit (expense) related to change in fair value of credit-linked notes	31		28		(42)
Change in fair value of credit-linked notes, net of tax	(80)		(94)		104
Unrealized gain (loss) on cash flow hedges arising during the period	2,584		408		(2,973)
Income tax (expense) benefit related to unrealized gain on cash flow hedges arising during the period	(716)		(108)		847
Unrealized gain (loss) on cash flow hedges, net of tax	1,868		300		(2,126)
Other comprehensive income, net of tax	1,326		17,756		31,460
Comprehensive income	$	73,278	$	95,147	$	85,028

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY


	Three Months Ended March 31, 2026
			Common Stock				Non -Voting						Accumulated
					Class B		Common		Additional				Other
	Preferred				Non-		Stock		Paid-in		Retained		Comprehensive
	Stock		Voting		Voting		Equivalents		Capital		Deficit		Loss, Net		Total
	(In thousands, except per share amount)
Balance, December 31, 2025	$	498,516	$	1,500	$	5	$	50	$	3,552,483	$	(242,016)	$	(269,261)	$	3,541,277
Net earnings	—		—		—		—		—		71,952		—		71,952
Other comprehensive income, net of tax	—		—		—		—		—		—		1,326		1,326
Restricted stock awarded and earned stock
compensation, net of shares forfeited	—		5		—		—		5,631		—		—		5,636

Conversion of NVCE to voting common stock	—		40		—		(40)		—		—		—		—
Restricted stock surrendered	—		—		—		—		(5,574)		—		—		(5,574)
Shares purchased under
Dividend Reinvestment Plan	—		—		—		—		115		—		—		115
Shares repurchased under Stock Repurchase
Program including excise tax	—		(7)		—		—		(12,073)		—		—		(12,080)

NVCE repurchased	—		—		—		(10)		(20,190)		—		—		(20,200)
Cash dividends paid:
Preferred stock, $0.4845/share	—		—		—		—		—		(9,947)		—		(9,947)
Common stock, $0.12/share	—		—		—		—		(19,179)		—		—		(19,179)
Balance, March 31, 2026	$	498,516	$	1,538	$	5	$	—	$	3,501,213	$	(180,011)	$	(267,935)	$	3,553,326


	Three Months Ended March 31, 2026
		Common Stock		Non-Voting
	Preferred		Class B	Common Stock
	Stock	Voting	Non-Voting	Equivalents

Number of shares, December 31, 2025	513,250	150,039,018	477,321	5,017,064
Restricted stock awarded and earned stock
compensation, net of shares forfeited	—	723,872	—	—
Restricted stock surrendered	—	(291,929)	—	—
Shares purchased under Dividend Reinvestment Plan	—	6,634	—	—
Shares repurchased under Stock Repurchase Program	—	(709,935)	—	(1,000,000)

Conversion of NVCE to voting common stock	—	4,017,064	—	(4,017,064)
Number of shares, March 31, 2026	513,250	153,784,724	477,321	—

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY


	Three Months Ended March 31, 2025
							Non-Voting						Accumulated
			Common Stock				Common		Additional				Other
	Preferred				Class B		Stock		Paid-in		Retained		Comprehensive
	Stock		Voting		Non-Voting		Equivalents		Capital		Deficit		Loss, Net		Total
	(In thousands, except per share amount)
Balance, December 31, 2024	$	498,516	$	1,586	$	5	$	98	$	3,785,725	$	(431,201)	$	(354,780)	$	3,499,949
Net earnings	—		—		—		—		—		53,568		—		53,568
Other comprehensive income,
net of tax	—		—		—		—		—		—		31,460		31,460
Restricted stock awarded and
earned stock compensation,
net of shares forfeited	—		2		—		—		5,493		—		—		5,495



Restricted stock surrendered	—		—		—		—		(2,699)		—		—		(2,699)
Shares repurchased under
Dividend Reinvestment Plan	—		—		—		—		72		—		—		72
Shares repurchased under the
Stock Repurchase Program
including excise tax	—		(27)		—		—		(38,904)		—		—		(38,931)
Cash dividends paid:
Preferred stock, $0.4845/share	—		—		—		—		—		(9,947)		—		(9,947)
Common stock, $0.10/share	—		—		—		—		(17,311)		—		—		(17,311)
Balance, March 31, 2025	$	498,516	$	1,561	$	5	$	98	$	3,732,376	$	(387,580)	$	(323,320)	$	3,521,656


	Three Months Ended March 31, 2025
				Non-Voting
		Common Stock		Common
	Preferred		Class B	Stock
	Stock	Voting	Non-Voting	Equivalents

Number of shares, December 31, 2024	513,250	158,557,735	477,321	9,790,600
Restricted stock awarded and earned stock
compensation, net of shares forfeited	—	440,587	—	—
Restricted stock surrendered	—	(183,480)	—	—
Shares purchased under Dividend Reinvestment Plan	—	5,146	—	—
Shares repurchased under Stock Repurchase Program	—	(2,684,823)	—	—
Number of shares, March 31, 2025	513,250	156,135,165	477,321	9,790,600

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS


	Three Months Ended March 31,

	2026		2025
	(In thousands)
Cash flows from operating activities:
Net earnings	$	71,952	$	53,568
Adjustments to reconcile net earnings to net cash provided by operating activities:

Depreciation and amortization	10,894		13,027
Amortization of net premiums on investment securities	4,524		5,068
Accretion of net purchased loan discounts and deferred loan fees	(16,475)		(21,181)
Amortization of intangible assets	6,348		7,160
Amortization of operating lease ROU assets	5,717		5,895
Provision for credit losses	9,800		9,300
Loss on sale of foreclosed assets	28		17
Provision for losses on foreclosed assets	44		265
Gain on sale of loans and leases	(7)		(211)
Loss on sale of premises and equipment	1		—


Unrealized gain on derivatives, foreign currencies, and credit-linked notes, net	(362)		(279)
LOCOM HFS adjustment	(3)		—
Earned stock compensation	5,636		5,495


Decrease in other assets	4,851		12,301
Decrease in accrued interest payable and other liabilities	(53,967)		(75,303)
Net cash provided by operating activities	48,981		15,122

Cash flows from investing activities:

Net decrease (increase) in loans and leases	175,029		(337,351)
Proceeds from sales of loans and leases	740		1,301
Proceeds from maturities and paydowns of securities AFS	130,567		97,893

Purchases of securities AFS	(343,368)		(148,541)
Proceeds from maturities and paydowns of securities HTM	452		310
Purchases of FHLB and FRB stock	(9,900)		(7,557)

Proceeds from sales of foreclosed assets	689		5,316
Purchases of premises and equipment	(3,380)		(1,525)

Proceeds from BOLI death benefit	583		—
Net decrease in equipment leased to others under operating leases	9,370		5,415
Net cash used in investing activities	(39,218)		(384,739)

Cash flows from financing activities:
Net decrease in noninterest-bearing deposits	(25,245)		(125,963)
Net (decrease) increase in interest-bearing deposits	(495,978)		127,245
Repayments of borrowings	(2,401)		(1,014)
Proceeds from borrowings	489,815		279,842


Common shares repurchased under Stock Repurchase Program	(32,280)		(38,931)
Common shares purchased under Dividend Reinvestment Plan	—		72

Restricted stock surrendered	(5,574)		(2,699)
Preferred stock dividends paid	(9,947)		(9,947)
Common stock dividends paid	(18,849)		(17,311)
Net cash (used in) provided by financing activities	(100,459)		211,294

Net decrease in cash, cash equivalents, and restricted cash	(90,696)		(158,323)
Cash, cash equivalents, and restricted cash, beginning of period	2,307,965		2,502,212
Cash, cash equivalents, and restricted cash, end of period	$	2,217,269	$	2,343,889

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CASH FLOWS


	Three Months Ended March 31,

	2026		2025

	(In thousands)
Supplemental disclosures of cash flow information:
Cash paid for interest	$	154,207	$	180,996
Cash received for income taxes	(342)		(256)
Loans transferred to foreclosed assets	1,700		1,354
Transfers from loans HFI to loans HFS	72,061		—

See Notes to Unaudited Consolidated Financial Statements.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

NOTE 1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Banc of California, Inc., a Maryland corporation, was incorporated in March 2002 and serves as the holding company for its wholly owned subsidiary, Banc of California (the “Bank”), a California state-chartered bank and member of the FRB. When we refer to the “holding company," we are referring to Banc of California, Inc., the parent company, on a stand-alone basis. When we refer to “we,” “us,” “our,” or the “Company,” we are referring to Banc of California, Inc. and its consolidated subsidiaries including the Bank, collectively. As a bank holding company, Banc of California, Inc. is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the FRB. As a California state-chartered bank and a member of the FRB, the Bank is subject to ongoing and comprehensive supervision, regulation, examination, and enforcement by the DFPI and the FRB. The Bank is also a member of the FHLB system, and its deposit accounts are insured by the Deposit Insurance Fund of the FDIC.

Banc of California is one of the nation's premier relationship-based business banks, providing banking and treasury management services to small, middle-market, and venture-backed businesses. The Bank offers a broad range of loan and deposit products and services through full-service branches located throughout California and in Denver, Colorado, and Durham, North Carolina, as well as through regional offices nationwide. The Bank also provides full-service payment processing solutions to its clients and serves the Community Association Management industry nationwide with its technology-forward platform, SmartStreet™. The Bank is committed to its local communities by supporting organizations that provide financial literacy and job training, small business support, affordable housing, and more.

We generate our revenue primarily from interest received on loans and leases and, to a lesser extent, from interest received on investment securities, and fees received in connection with deposit services, extending credit and other services offered, including treasury management and investment management services. Our major operating expenses are interest paid by the Bank on deposits and borrowings, compensation expense, customer related expense, information technology and data processing expense, occupancy expense, and general operating expenses.

Significant Accounting Policies

Our accounting policies are described in "Note 1. Nature of Operations and Summary of Significant Accounting Policies", of our audited consolidated financial statements included in our Annual Report on Form 10-K for the year ended December 31, 2025 as filed with the SEC ("Form 10-K").

Recently Issued Accounting Standards Not Yet Adopted

In November 2024, the FASB issued ASU 2024-03, "Disaggregation of Income Statement Expenses," requiring additional disclosure of income statement expenses, including categories like employee compensation, depreciation, and intangible asset amortization, as well as selling expenses. Companies must also qualitatively describe any remaining amounts not separately disclosed. In January 2025, the FASB also issued ASU 2025-01, "Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosures-Clarifying the Effective Date," clarified that all public business entities must adopt the guidance in annual reporting periods beginning after December 15, 2026, and interim periods within annual reporting periods beginning after December 15, 2027. The disclosures apply prospectively, but retrospective application is allowed. The Company is currently evaluating the impact of this update on its consolidated financial statements and related disclosures.

In September 2025, the FASB issued ASU 2025-06, "Intangibles-Goodwill and Other-Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software." The new standard clarifies and modernizes the accounting for costs related to internal-use software under ASC 350-40. Specifically, the amendments address the accounting for software developed using iterative and agile development methods, clarify the threshold for when capitalization of software costs should begin, and require the disclosure requirements of ASC 360-10. This guidance is effective for fiscal years beginning after December 15, 2027, with early adoption permitted. Entities may apply the guidance using one of three transition methods: prospective, modified retrospective (based on the project’s status and whether costs were previously capitalized), or full retrospective application. The Company is currently evaluating the impact of this update on its consolidated financial statements and related disclosures.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

In November 2025, the FASB issued ASU 2025-08, “Financial Instruments—Credit Losses (Topic 326): Purchased Loans,” which updates the accounting for acquired loans under the CECL model. The amendments address application challenges under previous guidance, including the perceived double-counting of credit losses at acquisition, by expanding the gross-up approach and introducing the concept of purchased seasoned loans. Under the new standard, an ACL is recorded at acquisition with a corresponding adjustment to the loan’s amortized cost basis, eliminating the requirement for a day-one provision for certain acquired loans. Loans acquired in a business combination (excluding credit cards) are automatically considered purchased seasoned loans, while other loans qualify if acquired more than 90 days after origination and the acquirer was not involved in origination. The guidance is effective for fiscal years beginning after December 15, 2026, with early adoption permitted, and is to be applied prospectively. The Company is currently evaluating the impact of this update on its consolidated financial statements and related disclosures.

In December 2025, the FASB issued ASU 2025‑11, “Interim Reporting (Topic 270): Narrow‑Scope Improvements,” which clarifies and consolidates interim reporting guidance under ASC 270 for entities issuing interim financial statements. In addition, the update establishes a disclosure principle requiring entities to disclose material events or changes since the end of the most recent annual reporting period. The amendment does not introduce new recognition, measurement, or disclosure requirements and are not intended to change the fundamental nature of interim reporting, but rather to enhance clarity and consistency in interim financial reporting. The guidance is effective for interim reporting periods within fiscal years beginning after December 15, 2027, with early adoption permitted. Entities may apply the guidance using either prospective or retrospective application. The Company is currently evaluating the impact of this update on its consolidated financial statements and related disclosures.

Basis of Presentation

The accounting and reporting policies of the Company are in accordance with U.S. generally accepted accounting principles, which we may refer to as U.S. GAAP. In the opinion of management, all significant intercompany accounts and transactions have been eliminated and adjustments, consisting solely of normal recurring accruals and considered necessary for the fair presentation of financial statements, have been included.

The accompanying unaudited Consolidated Financial Statements as of March 31, 2026 and three months ended March 31, 2026 and 2025 have been prepared in accordance with U.S. GAAP for interim information and Article 10 of Regulation S-X and, therefore, do not include all of the information and footnotes required by U.S. GAAP for complete financial statements. Accordingly, these statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in our Form 10-K.

Use of Estimates

The Company has made a number of estimates and assumptions relating to the reporting of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting period to prepare these consolidated financial statements in conformity with U.S. GAAP. Actual results could differ from those estimates. Material estimates subject to change in the near term include, among other items, the ACL (the combination of the ALLL and the reserve for unfunded loan commitments) and the realization of deferred tax assets and liabilities. Estimates may be adjusted as more current information becomes available, and any adjustment may be significant.

NOTE 2. RESTRICTED CASH

The Company is required to maintain reserve balances with the FRBSF. Such reserve requirements are based on a percentage of deposit liabilities and may be satisfied by cash on hand. There were no average reserves required to be held at the FRBSF for the three months ended March 31, 2026 and 2025. The following restricted cash balances are included in "Interest-earning deposits in financial institutions" on the consolidated balance sheets. As of March 31, 2026 and December 31, 2025, we pledged cash collateral for our derivative contracts of $15.3 million and $15.1 million, respectively. In connection with the issuance of the credit-linked notes on September 29, 2022, the Company maintains a correspondent bank account at a third-party financial institution that serves as the collateral account. The repayment of principal on the credit-linked notes is secured by this collateral account, which had a balance of $114.3 million at March 31, 2026 and $115.3 million at December 31, 2025. We pledged cash to secure standby letters of credit that we have issued on behalf of our customers. As of March 31, 2026 and December 31, 2025, the balance of such restricted cash totaled $39.8 million and $39.8 million, respectively.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

NOTE 3. INVESTMENT SECURITIES

Securities Available-for-Sale

The following tables present amortized cost, gross unrealized gains and losses, and fair values of AFS securities as of the dates indicated:


	March 31, 2026
			Allowance				Gross		Gross
	Amortized		for Credit		Net Carrying		Unrealized		Unrealized		Fair
Security Type	Cost		Losses		Amount		Gains		Losses		Value
	(In thousands)
Agency residential MBS	$	951,650	$	—	$	951,650	$	—	$	(139,989)	$	811,661

Agency commercial MBS	52,030		—		52,030		—		(1,049)		50,981
Agency residential CMOs	1,122,858		—		1,122,858		1,423		(20,098)		1,104,183

Corporate debt securities	246,475		(775)		245,700		880		(14,622)		231,958
Private label residential CMOs	259,984		—		259,984		157		(26,957)		233,184
Collateralized loan obligations	200,306		—		200,306		155		(87)		200,374
Private label commercial MBS	8,742		—		8,742		—		(472)		8,270
Asset-backed securities	12,637		—		12,637		24		—		12,661
SBA securities	3,221		—		3,221		—		(161)		3,060
Total (1)	$	2,857,903	$	(775)	$	2,857,128	$	2,639	$	(203,435)	$	2,656,332

_________________________

(1) Excludes accrued interest receivable of $12.3 million at March 31, 2026 which is recorded in "Other assets" on the consolidated balance sheets.


	December 31, 2025
			Allowance				Gross		Gross
	Amortized		for Credit		Net Carrying		Unrealized		Unrealized		Fair
Security Type	Cost		Losses		Amount		Gains		Losses		Value
	(In thousands)
Agency residential MBS	$	972,161	$	—	$	972,161	$	—	$	(138,076)	$	834,085

Agency commercial MBS	52,022		—		52,022		44		(1,100)		50,966
Agency residential CMOs	883,067		—		883,067		3,857		(15,300)		871,624

Corporate debt securities	257,236		(775)		256,461		576		(15,441)		241,596
Private label residential CMOs	254,787		—		254,787		522		(26,334)		228,975
Collateralized loan obligations	200,519		—		200,519		303		—		200,822
Private label commercial MBS	9,746		—		9,746		—		(467)		9,279
Asset-backed securities	13,242		—		13,242		7		—		13,249
SBA securities	3,634		—		3,634		—		(172)		3,462
Total (1)	$	2,646,414	$	(775)	$	2,645,639	$	5,309	$	(196,890)	$	2,454,058

_________________________

(1) Excludes accrued interest receivable of $11.4 million at December 31, 2025 which is recorded in "Other assets" on the consolidated balance sheets.

See "Note 11. Fair Value Measurements and Fair Value of Financial Instruments" for information on fair value measurements and methodology.

As of March 31, 2026, AFS securities with a fair value of $3.1 million were pledged as collateral solely for public deposits.

Realized Gains and Losses on Securities Available-for-Sale

The were no sales of AFS securities for the three months ended March 31, 2026 and 2025.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

Unrealized Losses on Securities Available-for-Sale

The following tables present the gross unrealized losses and fair values of AFS securities that were in unrealized loss positions as of the dates indicated:


	March 31, 2026
	Less Than 12 Months				12 Months or More				Total
			Gross				Gross				Gross
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
Security Type	Value		Losses		Value		Losses		Value		Losses
	(In thousands)
Agency residential MBS	$	—	$	—	$	811,661	$	(139,989)	$	811,661	$	(139,989)

Agency commercial MBS	18,951		(51)		32,030		(998)		50,981		(1,049)
Agency residential CMOs	748,392		(5,689)		83,847		(14,409)		832,239		(20,098)

Corporate debt securities	16,319		(181)		189,534		(14,441)		205,853		(14,622)
Private label residential CMOs	42,560		(286)		123,921		(26,671)		166,481		(26,957)
Collateralized loan obligations	24,913		(87)		—		—		24,913		(87)
Private label commercial MBS	—		—		8,270		(472)		8,270		(472)

SBA securities	—		—		3,060		(161)		3,060		(161)
Total	$	851,135	$	(6,294)	$	1,252,323	$	(197,141)	$	2,103,458	$	(203,435)


	December 31, 2025
	Less Than 12 Months				12 Months or More				Total
			Gross				Gross				Gross
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
Security Type	Value		Losses		Value		Losses		Value		Losses
	(In thousands)
Agency residential MBS	$	—	$	—	$	834,085	$	(138,076)	$	834,085	$	(138,076)

Agency commercial MBS	4,994		(6)		32,006		(1,094)		37,000		(1,100)
Agency residential CMOs	70,270		(117)		101,501		(15,183)		171,771		(15,300)

Corporate debt securities	—		—		188,545		(15,441)		188,545		(15,441)
Private label residential CMOs	19,672		(8)		127,020		(26,326)		146,692		(26,334)

Private label commercial MBS	—		—		9,279		(467)		9,279		(467)

SBA securities	—		—		3,462		(172)		3,462		(172)
Total	$	94,936	$	(131)	$	1,295,898	$	(196,759)	$	1,390,834	$	(196,890)

At March 31, 2026, the Company evaluated all securities in an unrealized loss position to determine whether any portion of the unrealized losses were attributable to credit related factors. As a result of this assessment, an ACL of $0.8 million was recorded on one corporate debt security classified as AFS. For all other securities in unrealized loss position, the loss was attributable to changes in market interest rates and other market conditions, rather than credit deterioration of the underlying issuers. In making this determination, we considered several factors, including credit ratings and financial condition of the issuers, the seniority of the tranches, and any U.S. government agency guarantees. We do not intend to sell these securities, and it is not more likely than not that we will be required to sell them before recovery of their amortized cost basis. Therefore, no write-down to fair value through earnings was necessary. Except for the credit loss recognized above, the remaining unrealized losses continue to be recorded in accumulated other comprehensive loss within stockholders’ equity.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

Contractual Maturities of Securities Available-for-Sale

The following tables present the contractual maturities of our AFS securities portfolio based on amortized cost and fair value as of the dates indicated:


	March 31, 2026
	Due Within		Due after One Year		Due After Five Years		Due After
Security Type	One Year		Through Five Years		Through Ten Years		Ten Years		Total
	(In thousands)
Amortized Cost:
Agency residential MBS	$	—	$	—	$	—	$	951,650	$	951,650

Agency commercial MBS	—		40,235		—		11,795		52,030
Agency residential CMOs	—		—		13,353		1,109,505		1,122,858

Corporate debt securities	—		69,888		176,587		—		246,475
Private label residential CMOs	—		—		—		259,984		259,984
Collateralized loan obligations	—		—		93,763		106,543		200,306
Private label commercial MBS	—		—		5,272		3,470		8,742
Asset-backed securities	—		—		—		12,637		12,637
SBA securities	—		—		3,221		—		3,221
Total Amortized Cost:	$	—	$	110,123	$	292,196	$	2,455,584	$	2,857,903
Fair Value:
Agency residential MBS	$	—	$	—	$	—	$	811,661	$	811,661

Agency commercial MBS	—		40,150		—		10,831		50,981
Agency residential CMOs	—		—		13,555		1,090,628		1,104,183

Corporate debt securities	—		67,935		164,023		—		231,958
Private label residential CMOs	—		—		—		233,184		233,184
Collateralized loan obligations	—		—		93,744		106,630		200,374
Private label commercial MBS	—		—		4,954		3,316		8,270
Asset-backed securities	—		—		—		12,661		12,661
SBA securities	—		—		3,060		—		3,060
Total Fair Value:	$	—	$	108,085	$	279,336	$	2,268,911	$	2,656,332

CMBS, CMOs, and MBS have contractual maturity dates, but require periodic payments based upon scheduled amortization terms. Actual principal collections on these securities usually occur more rapidly than the scheduled amortization terms because of prepayments made by obligors of the underlying loan collateral.

Securities Held-to-Maturity

The following tables present amortized cost, ACL, gross unrealized gains and losses, and fair values of HTM securities as of the dates indicated:


	March 31, 2026
	Amortized		Allowance for		Net Carrying		Gross Unrealized		Gross Unrealized		Fair
Security Type	Cost		Credit Losses		Amount		Gains		Losses		Value
	(In thousands)

Municipal securities	$	1,238,920	$	(20)	$	1,238,900	$	248	$	(35,299)	$	1,203,849
Agency commercial MBS	448,918		—		448,918		—		(21,671)		427,247
Private label commercial MBS	361,672		—		361,672		—		(13,197)		348,475
U.S. Treasury securities	193,784		—		193,784		—		(9,673)		184,111
Corporate debt securities	70,949		(675)		70,274		—		(6,956)		63,318





Total (1)	$	2,314,243	$	(695)	$	2,313,548	$	248	$	(86,796)	$	2,227,000

__________________________

(1) Excludes accrued interest receivable of $11.2 million at March 31, 2026 which is recorded in "Other assets" on the consolidated balance sheet

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements


	December 31, 2025
	Amortized		Allowance for		Net Carrying		Gross Unrealized		Gross Unrealized		Fair
Security Type	Cost		Credit Losses		Amount		Gains		Losses		Value
	(In thousands)

Municipal securities	$	1,237,792	$	(20)	$	1,237,772	$	2,052	$	(20,713)	$	1,219,111
Agency commercial MBS	447,283		—		447,283		—		(19,645)		427,638
Private label commercial MBS	360,382		—		360,382		—		(9,606)		350,776
U.S. Treasury securities	193,022		—		193,022		—		(7,934)		185,088
Corporate debt securities	70,852		(675)		70,177		—		(6,264)		63,913





Total (1)	$	2,309,331	$	(695)	$	2,308,636	$	2,052	$	(64,162)	$	2,246,526

__________________________

(1) Excludes accrued interest receivable of $13.4 million at December 31, 2025 which is recorded in "Other assets" on the consolidated balance sheets.

As of March 31, 2026, HTM securities with an amortized cost of $2.3 billion and a fair value of $2.2 billion were pledged as collateral primarily for the FRB secured line of credit and public deposits.

Allowance for Credit Losses on Securities Held-to-Maturity

Credit losses on HTM securities are recorded at the time of purchase, acquisition, or when the Company designates securities as HTM. The ACL on HTM securities is represents CECL that may be incurred over the life of the investment. Accrued interest receivable on HTM securities, which is included in "Other assets" on the consolidated balance sheets, is excluded from the estimate of expected credit losses. HTM U.S. Treasury securities and agency-backed MBS securities are considered to have no risk of loss as they are either explicitly or implicitly guaranteed by the U.S. government. The change in fair value in the HTM private label CMBS portfolio is solely driven by changes in interest rates. The Company has no knowledge of any underlying credit issues and the cash flows underlying the debt securities have not changed and are not expected to be impacted by changes in interest rates and, thus, there is no related ACL for this portfolio. The underlying bonds in the Company’s HTM municipal securities and HTM corporate debt securities portfolios are evaluated for credit losses in conjunction with management’s estimate of the ACL based primarily on credit ratings.

Securities Held-to-Maturity by Credit Quality Indicator

The Company uses Standard & Poor's, Moody's, Fitch, Kroll, and Egan Jones ratings as the credit quality indicators for its HTM securities. The following tables present our HTM securities portfolio by the lowest available credit rating as of the dates indicated:


	March 31, 2026
Security Type	AAA		AA+		AA		AA-		BBB		NR		Total
	(In thousands)
Amortized Cost:
Municipal securities	$	567,345	$	364,053	$	221,393	$	84,429	$	1,700	$	—	$	1,238,920
Agency commercial MBS	—		448,918		—		—		—		—		448,918
Private label commercial MBS	361,672		—		—		—		—		—		361,672
U.S. Treasury securities	—		193,784		—		—		—		—		193,784
Corporate debt securities	—		—		—		—		44,683		26,266		70,949
Total	$	929,017	$	1,006,755	$	221,393	$	84,429	$	46,383	$	26,266	$	2,314,243


	December 31, 2025
Security Type	AAA		AA+		AA		AA-		BBB		NR		Total
	(In thousands)
Amortized Cost:
Municipal securities	$	567,140	$	363,823	$	220,823	$	84,302	$	1,704	$	—	$	1,237,792
Agency commercial MBS	—		447,283		—		—		—		—		447,283
Private label commercial MBS	360,382		—		—		—		—		—		360,382
U.S. Treasury securities	—		193,022		—		—		—		—		193,022
Corporate debt securities	—		—		—		—		44,646		26,206		70,852
Total	$	927,522	$	1,004,128	$	220,823	$	84,302	$	46,350	$	26,206	$	2,309,331

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

Contractual Maturities of Securities Held-to-Maturity

The following tables present the contractual maturities of our HTM securities portfolio based on amortized cost and fair value as of the date indicated:


	March 31, 2026
	Due Within		Due after One Year		Due After Five Years		Due After
Security Type	One Year		Through Five Years		Through Ten Years		Ten Years		Total
	(In thousands)
Amortized Cost:

Municipal securities	$	—	$	160,750	$	404,033	$	674,137	$	1,238,920
Agency commercial MBS	—		69,620		379,298		—		448,918
Private label commercial MBS	—		—		37,421		324,251		361,672
U.S. Treasury securities	—		—		193,784		—		193,784
Corporate debt securities	—		—		53,775		17,174		70,949





Total Amortized Cost:	$	—	$	230,370	$	1,068,311	$	1,015,562	$	2,314,243
Fair Value:

Municipal securities	$	—	$	158,795	$	394,729	$	650,325	$	1,203,849
Agency commercial MBS	—		67,053		360,194		—		427,247
Private label commercial MBS	—		—		36,235		312,240		348,475
U.S. Treasury securities	—		—		184,111		—		184,111
Corporate debt securities	—		—		48,945		14,373		63,318





Total Fair Value:	$	—	$	225,848	$	1,024,214	$	976,938	$	2,227,000

CMBS have contractual maturity dates, but require periodic payments based upon scheduled amortization terms. Actual principal collections on these securities usually occur more rapidly than the scheduled amortization terms because of prepayments made by obligors of the underlying loan collateral.

Interest Income on Investment Securities

The following table presents the composition of our interest income on investment securities for the periods indicated:


	Three Months Ended March 31,

	2026		2025
	(In thousands)
Taxable interest	$	33,969	$	31,447
Non-taxable interest	4,362		4,517
Dividend income	3,542		1,898
Total interest income on investment securities	$	41,873	$	37,862

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

NOTE 4. LOANS AND LEASES HELD FOR INVESTMENT

Our loans are carried at the principal amount outstanding, net of deferred fees and costs, and in the case of acquired and purchased loans, net of purchase discounts and premiums. Deferred fees and costs and purchase discounts and premiums on acquired loans are recognized as an adjustment to interest income over the contractual life of the loans primarily using the effective interest method or taken into income when the related loans are paid off or included in the carrying amount of loans that are sold.

Loans and Leases Held for Investment

The following table summarizes the composition of our loans and leases HFI as of the dates indicated:


	March 31, 2026		December 31, 2025
	(In thousands)
Real estate mortgage	$	13,584,489	$	13,846,097
Real estate construction and land (1)	1,903,999		1,959,591
Commercial	9,048,610		8,994,466
Consumer	346,015		355,333
Total gross loans and leases HFI	24,883,113		25,155,487
Unearned discounts, net (2)	(67,640)		(86,061)
Deferred fees, net	(35,126)		(36,747)
Total loans and leases HFI	24,780,347		25,032,679
Allowance for loan and lease losses	(241,600)		(245,612)
Total loans and leases HFI, net (3)	$	24,538,747	$	24,787,067

____________________

(1) Includes land and acquisition and development loans of $217.8 million and $214.5 million at March 31, 2026 and December 31, 2025.

(2) Represents net acquisition discounts of $143.0 million and net purchase premiums of $75.4 million at March 31, 2026, and net acquisition discounts of $158.5 million and net purchase premiums of $72.4 million at December 31, 2025.

(3) Excludes accrued interest receivable of $106.2 million and $104.3 million at March 31, 2026 and December 31, 2025, respectively, which is recorded in "Other assets" on the consolidated balance sheets.

The following tables present an aging analysis of our loans and leases HFI by loan portfolio segment and class as of the dates indicated:


	March 31, 2026
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	10,828	$	41,058	$	51,886	$	4,041,500	$	4,093,386
Multi-family	32,843		2,536		35,379		5,919,723		5,955,102
Other residential	41,333		37,472		78,805		3,379,605		3,458,410
Total real estate mortgage	85,004		81,066		166,070		13,340,828		13,506,898
Real estate construction and land:
Commercial	32,925		—		32,925		331,650		364,575
Residential	140,687		—		140,687		1,387,067		1,527,754
Total real estate construction and land	173,612		—		173,612		1,718,717		1,892,329
Commercial:
Asset-based	509		—		509		3,208,829		3,209,338
Venture capital	595		—		595		2,321,666		2,322,261
Other commercial (1)	1,501		(115)		1,386		3,500,002		3,501,388
Total commercial	2,605		(115)		2,490		9,030,497		9,032,987
Consumer	2,309		648		2,957		345,176		348,133
Total	$	263,530	$	81,599	$	345,129	$	24,435,218	$	24,780,347

____________________

(1) Amounts with negative balances are loans with zero principal balances and deferred loan origination fees.

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements


	December 31, 2025
	30 - 89		90 or More
	Days		Days		Total
	Past Due		Past Due		Past Due		Current		Total
	(In thousands)
Real estate mortgage:
Commercial	$	10,498	$	46,506	$	57,004	$	4,257,633	$	4,314,637
Multi-family	32,887		2,536		35,423		6,053,994		6,089,417
Other residential	34,319		42,780		77,099		3,269,634		3,346,733
Total real estate mortgage	77,704		91,822		169,526		13,581,261		13,750,787
Real estate construction and land:
Commercial	—		—		—		379,387		379,387
Residential	26,540		—		26,540		1,541,700		1,568,240
Total real estate construction and land	26,540		—		26,540		1,921,087		1,947,627
Commercial:
Asset-based	1,142		—		1,142		2,949,868		2,951,010
Venture capital	—		—		—		2,222,097		2,222,097
Other commercial	984		104		1,088		3,803,011		3,804,099
Total commercial	2,126		104		2,230		8,974,976		8,977,206
Consumer	1,933		729		2,662		354,397		357,059
Total	$	108,303	$	92,655	$	200,958	$	24,831,721	$	25,032,679

Our policy is to discontinue accruing interest when principal or interest payments are past due 90 days or more, unless the loan is both well secured and in the process of collection, or when collectability is otherwise in doubt in the normal course of business. Interest income on nonaccrual loans is recognized only as cash is received and when the loan's principal balance is deemed collectible.

The following table presents our nonaccrual and performing loans and leases HFI by loan portfolio segment and class as of the dates indicated:


	March 31, 2026						December 31, 2025
	Nonaccrual		Performing		Total		Nonaccrual		Performing		Total
	(In thousands)
Real estate mortgage:
Commercial	$	87,548	$	4,005,838	$	4,093,386	$	93,334	$	4,221,303	$	4,314,637
Multi-family	13,200		5,941,902		5,955,102		3,358		6,086,059		6,089,417
Other residential	53,489		3,404,921		3,458,410		57,984		3,288,749		3,346,733
Total real estate mortgage	154,237		13,352,661		13,506,898		154,676		13,596,111		13,750,787
Real estate construction and land:
Commercial	—		364,575		364,575		—		379,387		379,387
Residential	—		1,527,754		1,527,754		—		1,568,240		1,568,240
Total real estate construction and land	—		1,892,329		1,892,329		—		1,947,627		1,947,627
Commercial:
Asset-based	—		3,209,338		3,209,338		—		2,951,010		2,951,010
Venture capital	28,792		2,293,469		2,322,261		625		2,221,472		2,222,097
Other commercial	1,642		3,499,746		3,501,388		2,510		3,801,589		3,804,099
Total commercial	30,434		9,002,553		9,032,987		3,135		8,974,071		8,977,206
Consumer	1,063		347,070		348,133		1,357		355,702		357,059
Total	$	185,734	$	24,594,613	$	24,780,347	$	159,168	$	24,873,511	$	25,032,679

BANC OF CALIFORNIA, INC. AND SUBSIDIARIES

Notes to Unaudited Consolidated Financial Statements

At March 31, 2026, nonaccrual loans and leases included $81.6 million of loans and leases 90 or more days past due, $28.4 million of loans 30 to 89 days past due, and $75.7 million of current loans that were placed on nonaccrual status based on management’s judgment regarding their collectability. At December 31, 2025, nonaccrual loans and leases included $92.7 million of loans and leases 90 or more days past due, $15.3 million of loans 30 to 89 days past due, and $51.2 million of current loans that were placed on nonaccrual status based on management’s judgment regarding their collectability. As of March 31, 2026, a few of our largest loan relationships on nonaccrual status had an aggregate carrying value of $62.9 million and represented 34% of total nonaccrual loans and leases.

The following tables present the credit risk rating categories for loans and leases HFI by loan portfolio segment and class as of the dates indicated. Classified loans and leases are those with a credit risk rating of either substandard or doubtful.


	March 31, 2026
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	284,897	$	119,711	$	3,688,778	$	4,093,386
Multi-family	239,739		82,083		5,633,280		5,955,102
Other residential	53,587		—		3,404,823		3,458,410
Total real estate mortgage	578,223		201,794		12,726,881		13,506,898
Real estate construction and land:
Commercial	32,925		—		331,650		364,575
Residential	—		363,100		1,164,654		1,527,754
Total real estate construction and land	32,925		363,100		1,496,304		1,892,329
Commercial:
Asset-based	35,473		10,792		3,163,073		3,209,338
Venture capital	172,496		103,592		2,046,173		2,322,261
Other commercial	22,410		4,374		3,474,604		3,501,388
Total commercial	230,379		118,758		8,683,850		9,032,987
Consumer	1,307		5,007		341,819		348,133
Total	$	842,834	$	688,659	$	23,248,854	$	24,780,347


	December 31, 2025
	Classified		Special Mention		Pass		Total
	(In thousands)
Real estate mortgage:
Commercial	$	297,606	$	126,998	$	3,890,033	$	4,314,637
Multi-family	166,385		216,286		5,706,746		6,089,417
Other residential	58,202		—		3,288,531		3,346,733
Total real estate mortgage	522,193		343,284		12,885,310		13,750,787
Real estate construction and land:
Commercial	52,828		—		326,559		379,387
Residential	2,982		10,714		1,554,544		1,568,240
Total real estate construction and land	55,810		10,714		1,881,103		1,947,627
Commercial:
Asset-based	36,732		7,180		2,907,098		2,951,010
Venture capital	171,847		64,577		1,985,673		2,222,097
Other commercial	12,143		27,689		3,764,267		3,804,099
Total commercial	220,722		99,446		8,657,038		8,977,206
Consumer	1,605		5,239		350,215		357,059
Total	$	800,330

BANC OF CALIFORNIA, INC. 10-Q