Side-by-side · Q2 2026 data
Mechanics Bank vs Banc of California
Metric by metric
| Measure | Mechanics Bank | Banc of California |
|---|---|---|
| TellerScore | 65 (stronger) | 35 |
| Capital cushion | 44 | 46 (stronger) |
| Loan quality | 86 (stronger) | 22 |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 55 | 57 (stronger) |
| Problem-loan coverage | 96 (stronger) | 70 |
| Peer percentile | 54th | 4th |
| Total assets | $21.2B | $34.9B |
| Deposits / shares | $18.1B | $28.2B |
| Capital ratio | 9.38% | 9.64% (stronger) |
| Problem loans | 0.41% (stronger) | 2.34% |
| Net charge-offs | 0.11% (stronger) | 1.39% |
| Return on assets | 0.99% (stronger) | -0.88% |
| Loans ÷ deposits | 74.2% (stronger) | 88.2% |
| Uninsured deposits | 42.9% | 28.9% (stronger) |
| Offices | 166 | 77 |
| CFPB complaints (3 yrs) | — | 24 |
| Complaints per $1B deposits | — | 0.9 |
| Mortgage denial rate (HMDA) | 20.1% | — |
Mechanics Bank has the higher TellerScore (65 vs 35). On the 7 directional measures above (where higher or lower is clearly better), Mechanics Bank leads on 5 and Banc of California on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- San Diego, CA
- Los Angeles, CA
- Bakersfield, CA
- Santa Maria, CA
- Ventura, CA
- San Luis Obispo, CA
- Glendora, CA
- Goleta, CA
- Hanford, CA
- Irvine, CA
- Oxnard, CA
- Pasadena, CA
- Paso Robles, CA
- Solvang, CA
- Visalia, CA
- Westlake Village, CA
- Arroyo Grande, CA
- Yucca Valley, CA
- Beverly Hills, CA
- Camarillo, CA
- Cathedral City, CA
- Downey, CA
- Fresno, CA