Short answer
BANC OF CALIFORNIA, INC. (BANC) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $10M (up 7.8% year over year) with net income of $70M.
Q3 2025 key financials · XBRL
- Revenue
- $10M
- +7.8% YoY · +4.9% QoQ
- Net income
- $70M
- +692.7% YoY · +145.3% QoQ
- EPS (diluted)
- $0.37
- +3800.0% YoY · +208.3% QoQ
Source: XBRL data from the BANC OF CALIFORNIA, INC. (BANC) Q3 2025 10-Q on SEC EDGAR. USD.
BANC OF CALIFORNIA, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $287.7M Q3 2025, up 5% QoQ from $272.8M in Q2 2025; net earnings available to common $59.7M vs $18.4M in Q2 2025
- Operating margin (efficiency ratio) improved to 62.05% in Q3 2025 from 65.50% Q2 2025; net interest margin rose to 3.22% from 3.10%
- Best segment: Net interest income $253.4M in Q3 2025, up $13.2M QoQ driven by loan yield increase to 6.05% and deposit cost decline to 2.08%; provision for credit losses decreased to $9.7M from $39.1M
- Capital position strong with Tier 1 ratio 12.56%, CET1 10.14%; book value per share $19.09, tangible book value $16.99, both up 3% QoQ
- Management highlights stable credit quality, increased noninterest-bearing deposits to 28% of total, share repurchases of 2.2M shares for $35.5M in Q3; outlook expects continued margin expansion and expense discipline
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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