Banc of California 2026年季度报告

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended June30, 2026 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from _______ to ______ Commission File Number001-35522 BANC OF CALIFORNIA, INC. 04-3639825 Maryland (I.R.S. Employer Identification No.) 11611 San Vicente Boulevard, Suite 500Los 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: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12months (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 past90days. Yes☑No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of RegulationS-T(§232.405 of this chapter) during the preceding 12months (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 emerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and "emerging growth company" in Rule12b-2 of theExchange Act. ☐Accelerated filer☐Smaller reporting company☐Emerging growth company ☑Large accelerated filer☐Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying 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 Rule12b-2 of the ExchangeAct).Yes☐No☑ As of July31, 2026, there were 157,950,529 shares of the registrant's voting common stock outstanding, excluding 4,670 shares ofunvested restricted stock, and there were 477,321 shares of the registrant's class B non-voting common stock outstanding. BANC OF CALIFORNIA, INC.JUNE30, 2026 QUARTERLY REPORT ON FORM 10-QTABLE OF CONTENTS PARTI. FINANCIAL INFORMATION Item1.Consolidated Financial Statements (Unaudited)Consolidated Balance Sheets4Consolidated Statements of Earnings5Consolidated Statements of Comprehensive Income6Consolidated Statements of Changes in Stockholders' Equity7Consolidated Statements of Cash Flows11Notes to Unaudited Consolidated Financial Statements13Item 2.Management's Discussion and Analysis of Financial Condition and Results of Operations59Item 3.Quantitative and Qualitative Disclosures About Market Risk88Item 4.Controls and Procedures91 PARTII. OTHER INFORMATION Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.ExhibitsSignatures PARTI. 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." BANC OF CALIFORNIA, INC. AND SUBSIDIARIESCONSOLIDATED BALANCE SHEETS 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 whollyowned subsidiary, Banc of California (the “Bank”), a California state-chartered bank and a 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 toongoing and comprehensive supervision, regulation, examination, and enforcement by the DFPI and the FRB. The Bank is also amember 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 managementservices to small, middle-market, and