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Banc of California vs peers
AI and technology compared

Last updated Oct 20, 2026 · 8 peers · 87 sources cited

How does Banc of California compare with its peers on AI and technology?

On this site's AI disclosure index Banc of California scores 34.7 (#82 of 120 US banks), fifth in a nine-bank group of California and West Coast commercial banks, behind Western Alliance (71.8), City National (65), Columbia (63.3) and East West (49.2) and ahead of CVB (16.8), Cathay (2.6), Mechanics (2.3) and Hope (2.1). Its AI is real but told only on earnings calls. On the April 23, 2026 call management described nearly universal employee access to AI tools, a robust Copilot active user rate, more than 80% of developers using AI daily, and targeted uses in BSA review support and customer service; its 2026 proxy letter calls these investments 'pragmatic, not experimental'. It scores 1 on independent sources, eighth of nine, while City National scores 17 on the strength of its parent RBC, which targets $700 million to $1 billion of value from AI by 2027. Its distinctive bet is payments: BancEdge, its own merchant-acquiring platform, under a payments head hired in February 2026 to win businesses that use non-bank processors. Against the giants in Los Angeles the gap is scale: JPMorgan Chase holds 18.7% of metro deposits and Bank of America 16.7%, against Banc of California's 2.6% (FDIC, June 30, 2025), and Bank of America says Erica helps more than 24.6 million clients.[1][2][3][4][5][6][7][8]

Data as of Oct 20, 2026 · Banc of California profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown

Where it leads

Where does Banc of California lead its peers on AI?

01

A bank-owned payments platform, where most peers resell

Banc of California runs BancEdge (formerly Deepstack) as its own merchant-acquiring and processing platform and hired Chris Healy, who led Comerica's payments strategy from 2011, to scale it in February 2026. East West's disclosed payments technology is an in-house US-Hong Kong cross-border rail.[6][4][5][9]

02

Broad internal AI adoption, with numbers on the record

Management said on the April 2026 call that nearly every employee has access to AI tools and more than 80% of developers use AI daily. CVB Financial describes its own AI use as 'selective and limited' under an AI Governance Council.[1][10]

03

An early read on AI risk in its loan book

Banc of California reviewed its roughly $450 million of technology loans for AI disruption and put a little over $4 million on a high-risk watch list (April 2026). Columbia's AI disclosures are about operations, such as a support assistant now handling three chats for every human call.[1][11]

Where it trails

Where does Banc of California trail its peers on AI?

01

Almost no independent coverage of its AI

Banc of California scores 1 on independent sources, 8th of 9 against a median of 5.5; its AI record rests on its own calls, filings and proxy. City National scores 17, much of it coverage of RBC's AI program, and Western Alliance 13, including its machine-learning fraud screening that blocked 723 million bogus class-action claims in 2024.[1][12][13]

02

No named AI leader

Banc of California names no chief AI, data or analytics officer; its CISO reports to the chief risk officer and AI sits with technology and risk. Columbia leads the group with 13 named AI leaders; Banc of California places 7th of 9 with 5.[14][15]

03

Fewer AI results than Western Alliance

Western Alliance estimates more than 150,000 employee hours saved by AI based on Microsoft Copilot usage (May 2026) and has 16 of 17 recorded use cases in production. Banc of California reports adoption rates but no hours saved, and its Q2 2026 call had no AI remarks.[16][1][17]

04

Flat technology spending

Banc of California's information technology and data processing expense was $55.5 million in 2025 against $60.4 million in 2024, and $28.1 million in the first half of 2026. East West guided 2026 expense growth of 7% to 9%, citing investment in AI, cyber and monitoring.[14][18][19]

AI index

Where does Banc of California rank against its peers on AI disclosure?

Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.

BankScoreRankIndependent sourcesOwn disclosuresUse cases in productionMoves, last 12 monthsNamed AI platform
Western Alliance Bancorporation71.8#32 of 120131416 of 1718Triangle of Fraud Protection and the enterprise AI programme[20][13][21][22]
City National Bank (RBC)65#43 of 12017205 of 1019RBC Borealis and the parent's AI programme[12][23][3][24][25][26]
Columbia Banking System63.3#45 of 120101415 of 1616Integration-built infrastructure, not a disclosed AI platform[27][28][29][30][11][31][32]
East West Bancorp49.2#59 of 1207158 of 1018In-house US–Hong Kong payments and partner technology[9][33][34]
Banc of California (this page)34.7#82 of 12012110 of 1415BancEdge (formerly Deepstack) payments platform, SmartStreet[5][35][36][37][38][39][1][2]
CVB Financial Corp.16.8#99 of 1201188 of 817Not disclosed
Cathay General Bancorp2.6#110 of 1204199 of 1011Not disclosed
Mechanics Bancorp2.3#112 of 1203217 of 1015Not disclosed
Hope Bancorp (Bank of Hope)2.1#114 of 1203236 of 814Not disclosed
Component by component

On which parts of the AI record is Banc of California ahead of or behind its peers?

Each row is one input of the index, counted on the profiles of Banc of California and the 8 peers that are scored on the same basis. "Place" is Banc of California's position in the group of 9 (1st = most).

Component (weight)Banc of CaliforniaPeer medianMost in the groupPlace
Independent sources (45%)15.5City National (17)8th of 9
Use cases in production (10%)108Western Alliance (16)3rd of 9
Own primary disclosures (10%)2118.5Bank of Hope (23)2nd of 9
Dated moves, last 12 months (10%)1516.5City National (19)6th of 9
Disclosed numbers (5%)1412.5Western Alliance (16)2nd of 9
Named AI leaders (5%)58City National (13)7th of 9
Use cases described (5%)1410Western Alliance (17)3rd of 9
Head to head

What has each bank in Banc of California's peer group disclosed about its AI?

Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.

BankPlatform or assistant, as the profile names itAI leaders namedHeadline AI number disclosedPatents on the recordOpen AI roles
Banc of CaliforniaBancEdge (formerly Deepstack) payments platform, SmartStreet[5][35][36][37][38][39][1][2]5, incl. Jared Wolff (Chairman, President and CEO)[40][38]Developers using AI in daily workflows: More than 80% (Apr 23, 2026)[1]Not disclosed2 open AI roles (Sep 24, 2026); most in AI product & strategy
East West BancorpIn-house US–Hong Kong payments and partner technology[9][33][34]9, incl. Dominic Ng (Chairman and CEO)[41][34]2026 expense growth guidance (includes AI, cyber and monitoring investment): 7% to 9% (Apr 21, 2026)[19]Not disclosed6 open AI roles (Oct 1, 2026); most in AI engineering
Western Alliance BancorporationTriangle of Fraud Protection and the enterprise AI programme[20][13][21][22]12, incl. Ken Vecchione (Chairman)[42][43][44]Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026)[16]Not disclosed5 open AI roles (Sep 24, 2026); most in AI engineering
City National Bank (RBC)RBC Borealis and the parent's AI programme[12][23][3][24][25][26]13, incl. Howard Hammond (Chief Executive Officer, City National Bank)[45][26]RBC incremental enterprise value from AI, target: $700 million – $1 billion by 2027 (Dec 2, 2025)[3]3 patents listed on the profile, e.g. US 12,079,813 B2 (Identifying suspicious transaction destinations from login-page referrals)[46]Not surveyed
Columbia Banking SystemIntegration-built infrastructure, not a disclosed AI platform[27][28][29][30][11][31][32]13, incl. Clint Stein (President and CEO, Columbia Banking System)[27][30]Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026)[11][47]Not disclosed1 open AI roles (Sep 24, 2026); most in ML & data science
Cathay General BancorpNot disclosed6, incl. Chang M. Liu (President and CEO)[48][49]Earnings calls with an AI mention, Q1 2025 to Q2 2026: 0 of 6 (Jul 22, 2026)[50][51][52][53][54][55]Not disclosedNot surveyed
CVB Financial Corp.Not disclosed7, incl. David A. Brager (Chief Executive Officer)[56][57]Seats on the AI Governance Council (COO as chair, CIO, CISO, Human Resource Director, Deputy Chief Credit Officer, Associate General Counsel): 6 (Apr 7, 2026)[10]Not disclosedNot surveyed
Hope Bancorp (Bank of Hope)Not disclosed4, incl. Kevin S. Kim (Chairman, President and CEO, Hope Bancorp)[58][59]Full-time equivalent employees (Bank and Hope Bancorp): 1,434 (1,244 a year earlier) (Dec 31, 2025)[60]Not disclosedNot surveyed
Mechanics BancorpNot disclosed5, incl. C.J. Johnson (President and CEO)[61]Full-time equivalent employees: 1,756 (from 2,036 at 30 September 2025, after the merger) (Jun 30, 2026)[62]Not disclosedNot surveyed
Last 12 months

What are the latest dated moves on the AI record of Banc of California and its peers?

The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.

DateBankMove
Oct 1, 2026Bank of HopeSMBC MANUBANK commercial banking unit acquisition completed[63][64]
Sep 16, 2026Mechanics BankRunoff auto portfolio sold to Bank of America[65]
Sep 16, 2026Western AllianceBarclays conference: 15 AI use cases, top five for 2027[66]
Sep 16, 2026Western AllianceAI team first used to defend against Mythos[66]
Sep 15, 2026ColumbiaBarclays conference: AI answers most client messages[67]
Sep 14, 2026East WestBarclays conference: CFO describes everyday AI use[68]
Sep 10, 2026City NationalChad Lloyd to lead RBC U.S. Mortgage from City National[69]
Sep 9, 2026City NationalMcKay at Scotiabank summit: remediation and re-platforming costs to fall; AI credit tools built[70]
Sep 2, 2026Bank of HopeRegulatory approvals for the SMBC MANUBANK unit[71]
Aug 24, 2026East WestThird among top-performing banks over $50 billion[34]
Aug 21, 2026Mechanics BankSenior Citizens Day fraud-prevention guidance[72]
Aug 7, 2026Citizens Business BankQ2 2026 10-Q: computer software expense up 39.14%[73]
Aug 7, 2026Cathay BankQ2 2026 10-Q: still no AI reference[74]
Aug 7, 2026Banc of CaliforniaQ2 2026 10-Q lists AI among competing technologies[18]
Aug 4, 2026ColumbiaSecond-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation[75]
Jul 29, 2026Banc of CaliforniaQ2 2026 call: APIs added, no AI remarks[17]
Jul 23, 2026Citizens Business BankQ2 2026 results: AI appears only as a forward-looking factor[76][77][73]
Jul 22, 2026Cathay BankSecond-quarter 2026 results[48][55]
Banc of California vs the large banks in Los Angeles

How do Banc of California's digital and AI services compare with the big banks in Los Angeles?

Los Angeles-Long Beach-Anaheim deposit share and branches are computed by this site from the FDIC Summary of Deposits (June 30, 2025, by holding company; City National appears under RBC). A blank means nothing is disclosed, not that nothing exists.

BankLos Angeles deposits and branchesCustomer AI assistantEmployee AI disclosed
Banc of California8th: 2.6%, 41 branchesNone disclosed; a generative-AI fraud guide for clientsNearly universal access to AI tools; robust Copilot use; more than 80% of developers using AI daily (April 2026)[7][39][1]
JPMorgan Chase1st: 18.7%, 334 branchesNo consumer assistant launched; a consumer travel agent targeted for pilot before end-2026LLM Suite: 150,000 weekly users (February 2026)[7][78][79]
Bank of America2nd: 16.7%, 276 branchesErica: helps more than 24.6 million clientsAbout 200,000 active users of general-purpose AI tools (June 30, 2026)[7][8][80]
Wells Fargo3rd: 13.1%, 257 branchesFargo: more than 1 billion interactions in under three years (March 2026)Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025)[7][81][82]
City National (RBC)4th: 7.7%, 35 branchesNot disclosed for City NationalRBC targets $700 million to $1 billion of enterprise value from AI by 2027[7][3]
East West5th: 5.6%, 42 branchesNot disclosed2026 expense growth of 7% to 9% includes AI, cyber and monitoring investment[7][19]
AI at California and West Coast commercial banks

How does Banc of California's AI compare with the other commercial banks in its group?

Each bank's most concrete AI disclosure on this site's profiles, with the date.

BankAI in useResult or scaleDate
Banc of CaliforniaCopilot and AI tools for staff; BSA review support; customer serviceMore than 80% of developers using AI dailyApril 2026[1]
Western AllianceMachine-learning fraud screening; Microsoft Copilot723 million+ fraudulent class-action claims prevented in 2024; 150,000+ hours saved (Copilot estimate)April 2025; May 2026[13][16]
ColumbiaAI customer-support assistantFrom two human calls per AI chat to three AI chats per human callApril 2026[11][47]
City National (RBC)RBC enterprise AI program$700 million to $1 billion of value targeted by 2027December 2025[3]
CVB FinancialAI Governance Council; 'selective and limited' useComputer software expense up 39.14% in Q2 20262026[10][73]
Payments: the bet Banc of California is making

How does Banc of California's payments platform compare with banks and fintechs in payments?

Banc of California's growth bet is merchant acquiring. BancEdge, formerly Deepstack, is its own payment-processing platform, and in February 2026 it hired Chris Healy, who led payments strategy at Comerica from 2011, to scale it across new and existing clients. Chief executive Jared Wolff told the Los Angeles Business Journal that the bank hopes its direct, bank-led approach and same-day account funding will entice businesses that use non-bank payments platforms, and Healy says merchant acquiring creates stickiness with operating accounts and deposits.[6][4][5]

The rivals are larger and further into AI. Stripe processed $1.9 trillion of total volume in 2025 and launched an Agentic Commerce Suite in December 2025 to let businesses sell through AI agents; Block's 10-K lists banks that provide payment processing among Square's competitors. Among banks, Fifth Third moved 293 Comerica banking centers, including California branches, onto its platforms in September 2026, inheriting the payments franchise Healy helped restructure.[83][84][85][86][5]

The peer group

Which banks are Banc of California's peers, and why these?

Banc of California is compared here with East West Bancorp, Western Alliance Bancorporation, City National Bank (RBC), Columbia Banking System, Cathay General Bancorp, CVB Financial Corp., Hope Bancorp (Bank of Hope) and Mechanics Bancorp: chosen by the editors for this page (see the note below the table). Banc of California is classed as a commercial and business bank in the West.

The computed group mixed in commercial banks from Texas, Arkansas, Pennsylvania, Indiana, Montana, Washington and Hawaii; this group holds the California and West Coast commercial banks Banc of California meets in Los Angeles and Southern California (East West, City National, Cathay, CVB, Hope, Mechanics, Columbia) and Western Alliance, a national commercial bank with a similar mix of specialty deposit businesses, with East West and Columbia also in Banc of California's 2026 proxy peer group.

Common questions

Does Banc of California lend to AI companies?

Yes, in a small way. Its technology banking page says it supports AI companies, and its technology and life-science loans total about $950 million, split evenly, against about $24 billion of total loans (April 2026). Through the SoCal Venture Pipeline it had seen 88 companies accepted and 24 funded for $112 million by 2024.[87][1][37]

Does Banc of California use AI?

Yes, internally. On its April 2026 call management described nearly universal employee access to AI tools, a robust Copilot active user rate, more than 80% of developers using AI daily, and targeted uses in BSA review support and customer service. Its 2025 10-K carries an AI risk factor on third-party AI outputs, bias and data disclosure.[1][14]

Does Banc of California have an AI virtual assistant like Erica?

Not one it has disclosed for customers. Its client-facing AI content is a generative-AI fraud guide. In Los Angeles, Bank of America, which holds 16.7% of metro deposits against Banc of California's 2.6%, says Erica helps more than 24.6 million clients, and Wells Fargo says Fargo passed 1 billion interactions.[39][7][8][81]

Is Banc of California better than East West Bank at AI?

The record cannot settle capability. East West has put more on it: 49.2 on this site's index against Banc of California's 34.7, with expense guidance that names AI investment. Banc of California discloses more about internal adoption, including more than 80% of developers using AI daily.[19][1]

How does Banc of California compare with City National Bank on AI?

City National, the largest Los Angeles-based commercial bank by local deposits with 7.7% of the metro (FDIC, June 30, 2025), draws on its parent RBC, which targets $700 million to $1 billion of value from AI by 2027. Banc of California has its own adoption figures but no parent program; it scores 34.7 on this site's index to City National's 65.[7][3][1]

How is Banc of California thinking about AI risk to its borrowers?

It reviewed its roughly $450 million of technology loans for AI disruption and put a little over $4 million on a high-risk watch list (April 2026). Its technology banking page says it supports AI companies, and its 2025 10-K flags third-party AI as a risk with limited visibility into vendors' controls.[1][87][14]

Who leads technology and AI at Banc of California?

No chief AI or data officer is named. Steven Schwimmer, EVP and chief information officer and formerly PacWest's chief innovation officer, runs IT, the digital banking platform and operations; Chief Risk Officer Olivia Lindsay oversees risk, with the CISO reporting to her; and Chris Healy has led payments since February 2026.[15][2][14][4]

How does Banc of California compare with Western Alliance on AI?

Western Alliance has put more on the record: 71.8 on this site's index against 34.7, with 16 of 17 recorded use cases in production, machine-learning fraud screening that blocked 723 million bogus claims in 2024, and an estimated 150,000-plus employee hours saved with Copilot. Banc of California reports broad staff access to AI tools and more than 80% of developers using AI daily.[13][16][1]

How does Banc of California's technology spending compare with peers?

Its information technology and data processing expense fell to $55.5 million in 2025 from $60.4 million in 2024 and was $28.1 million in the first half of 2026. East West guided 7% to 9% expense growth for 2026 including AI investment, and CVB's computer software expense rose 39.14% in Q2 2026.[14][18][19][73]

Peers on this site
East West AI strategy →How East West Bancorp compares with its peers →Western Alliance AI strategy →How Western Alliance Bancorporation compares with its peers →City National AI strategy →How City National Bank (RBC) compares with its peers →Columbia AI strategy →How Columbia Banking System compares with its peers →Cathay Bank AI strategy →How Cathay General Bancorp compares with its peers →Citizens Business Bank AI strategy →How CVB Financial Corp. compares with its peers →Bank of Hope AI strategy →How Hope Bancorp (Bank of Hope) compares with its peers →Mechanics Bank AI strategy →How Mechanics Bancorp compares with its peers →
Deeper on Banc of California
Banc of California AI strategy: the full profile →Banc of California competitors and alternatives →Banc of California AI profile →Banc of California competitors and alternatives →Western Alliance AI profile →Bank AI index →Stripe AI profile →AI disclosure index: the largest US banks ranked →Which banks lead in AI, topic by topic →
Sources
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  78. JPMorgan's Lake sees longer road to agentic commerce adoption
    Banking Dive · Jun 10, 2026
  79. 2026 Company Update Transcript - Chairman and CEO Q&A
    JPMorganChase · Feb 25, 2026
  80. Second Quarter 2026 Financial Results presentation (Form 8-K, Exhibit 99.2)
    Bank of America (SEC filings) · Jul 14, 2026
  81. Wells Fargo Reaches Major Digital Milestones
    Wells Fargo (Business Wire) · Mar 26, 2026
  82. From legacy to Frontier: How 100-year brands are leading AI innovation
    Microsoft · Nov 20, 2025
  83. Stripe publishes 2025 annual letter and announces tender offer to provide liquidity to current and former employees
    Stripe · Feb 24, 2026
  84. Stripe introduces the Agentic Commerce Suite
    Stripe · Dec 11, 2025
  85. Block, Inc. Annual Report 2025 (Form 10-K)
    Block, Inc. via SEC EDGAR · Feb 26, 2026
  86. Fifth Third Completes Comerica Technology and Brand Conversion
    Fifth Third · Sep 8, 2026
  87. Technology Banking Solutions
    Banc of California · Jul 4, 2026

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