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Banc Of California, Inc.  (BANC)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 


Banc Of California, Inc. Segments

 
 

Business Segments III. Quarter
Revenues
(in millions $)
(Sep 30 2019)
%
(of total Revenues)
III. Quarter
Income
(in millions $)
(Sep 30 2019)
%
(Profit Margin)
Total
23.56 100 % -5.64 -

• View Income Statement • View Competition by Segment • View Annual Report

Growth rates by Segment III. Quarter
Y/Y Revenue
%
(Sep 30 2019)
Q/Q Revenue
%
III. Quarter
Y/Y Income
%
(Sep 30 2019)
Q/Q Income
%
Total
-69.87 % -63.47 % - -

• View Growth rates • View Competitors Segment Growth • View Market Share

To get more information on Banc Of California's Total segment. Select each division with the arrow.

  Banc Of California's

Business Segments Description



Our operations are managed based on the operating results of four reportable segments: Commercial Banking, Mortgage Banking, Financial Advisory, and Corporate/Other. Our chief operating decision-maker uses financial information from our four reportable segments to make operating and strategic decisions.


Retail Banking. Retail Banking includes the Company’s 35 branch locations across Southern California and provides distribution points for gathering core deposit and lending relationships. Our retail branch locations are concentrated in Southern California's centers of economic activity and growth.

Commercial Banking. Commercial Banking serves the needs of entrepreneurs and business owners through proactive advice, dedicated service and a full suite of deposit, treasury management and lending products and services. Commercial Banking is bifurcated into two teams, middle market Commercial Banking and Business Banking. Middle market Commercial Banking focuses on companies with annual revenues over $25 million, which generally have larger lending needs and more complex deposit and treasury management needs. Business Banking, which was launched during the fourth quarter of 2015, focuses on companies with annual revenues of less than $25 million and locally owned, growth oriented, generally lower lending needs, but represents an attractive deposit gathering opportunity.

Private Banking. Private Banking caters primarily to high net worth individuals, entrepreneurs, and business owners, and their respective business managers and fiduciaries. The Private Banking unit was formed through the Company’s acquisition of The Private Bank of California in July 2013.

Financial Institutions Banking. Financial Institutions Banking provides specialized deposit products and services to registered investment advisors, broker dealers, family offices, hedge funds, private equity funds and other financial services companies. Its products include a variety of escrow products, trust services, special use accounts and standard business accounts. Additionally, it offers lending products, which include securities-backed credit facilities, insurance-backed loans, alternative asset-backed lines of credit and term loans, and leverage to hedge funds and private equity funds.

Residential Portfolio Lending. Residential Portfolio Lending provides jumbo residential mortgage loans for California’s entrepreneurs and homeowners. Loan programs are designed to meet the needs of Private Banking clients, business owners and entrepreneurs. Lending products offered are primarily jumbo balance, hybrid adjustable-rate mortgage (ARM) loans and are originated through partnerships with Private Banking, Retail Banking and the Company’s mortgage banking division, Banc Home Loans.

Commercial Real Estate and Multifamily Lending. Commercial Real Estate and Multifamily Lending provides lending products catering to California’s entrepreneurial real estate investors. Its lending activities are focused on income-producing commercial real estate and multifamily properties for the California private entrepreneur who has experience in owning, managing and investing in commercial and multifamily properties.

Construction and Rehabilitation Lending. Construction and Rehabilitation Lending provides construction and rehabilitation loans to California’s entrepreneurs and business owners. The Construction and Rehabilitation Lending unit was formed through the Company’s acquisition of RenovationReady in January 2014. It provides short term and permanent loan programs to builders, investors and homeowners to construct or renovate residential or commercial real estate. In addition to portfolio loan products, through Construction and Rehabilitation Lending, the Company offers Federal Housing Administration (FHA) 203(k) loans and Fannie Mae construction to permanent loans.


SBA Lending. SBA Lending provides highly targeted SBA lending expertise, programs and advice to entrepreneurs seeking growth capital for acquisitions, working capital, or other capital investments. Although the Company offers all SBA lending programs, the unit’s primary goal is to be the leader in SBA 7(a) financing.

Commercial Specialty Finance. Commercial Specialty Finance, launched in the third quarter of 2012, offers equipment financing, leasing and working capital solutions to support the growth of small and medium-sized businesses. Additionally, the unit offers a small commercial lending loan product, targeted at small businesses with credit needs less than $1 million, which is distributed through the Retail Banking locations.

Warehouse Lending. Warehouse Lending provides warehouse lines of credit to mortgage and commercial multifamily lenders.

   

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