# Banc of California vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/banc-of-california/vs-peers
Last updated: Oct 20, 2026

*Part of the [Banc of California AI strategy profile](https://www.bankingnewsai.com/banks/banc-of-california). Peer group: East West Bancorp, Western Alliance Bancorporation, City National Bank (RBC), Columbia Banking System, Cathay General Bancorp, CVB Financial Corp., Hope Bancorp (Bank of Hope), Mechanics Bancorp.*

## 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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm), [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://bancofcal.com/payment-solutions/bancedge), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html))

## Where does Banc of California lead its peers on AI?

- **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. ([Banc of California](https://bancofcal.com/payment-solutions/bancedge), [Banc of California](https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226))
- **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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm))
- **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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html))

## Where does Banc of California trail its peers on AI?

- **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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [RBC](https://jobs.rbc.com/ca/en/preparing-our-workforce-for-a-future-with-ai), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf))
- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [Banc of California](https://bancofcal.com/about-us/leadership/))
- **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. ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/))
- **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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html))

## 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.

| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
| --- | --- | --- | --- | --- | --- | --- | --- |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | [71.8](https://www.bankingnewsai.com/banks/ai-index) | #32 of 120 | [13](https://www.bankingnewsai.com/banks/western-alliance#sources) | [14](https://www.bankingnewsai.com/banks/western-alliance#sources) | [16 of 17](https://www.bankingnewsai.com/banks/western-alliance#where) | [18](https://www.bankingnewsai.com/banks/western-alliance#timeline) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) |
| [City National Bank (RBC)](https://www.bankingnewsai.com/banks/city-national) | [65](https://www.bankingnewsai.com/banks/ai-index) | #43 of 120 | [17](https://www.bankingnewsai.com/banks/city-national#sources) | [20](https://www.bankingnewsai.com/banks/city-national#sources) | [5 of 10](https://www.bankingnewsai.com/banks/city-national#where) | [19](https://www.bankingnewsai.com/banks/city-national#timeline) | RBC Borealis and the parent's AI programme ([RBC](https://jobs.rbc.com/ca/en/preparing-our-workforce-for-a-future-with-ai), [PYMNTS](https://www.pymnts.com/artificial-intelligence-2/2026/rbc-embeds-ai-at-the-core-of-banking-aiming-for-1-billion-in-returns/), [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf), [RBC](https://jobs.rbc.com/ca/en/rbc-researchers-win-global-ai-challenge-for-finance), [American Banker](https://virtual-summits.americanbanker.com/profile/jaya-kandaswamy), [City National Bank](https://cnb.com/content/dam/cnb/library/publishers/los-angeles-business-journal/media/L-A-Business-Journal-Joe-Yurosek-riding-winds-of-change-20260302-2656973.pdf)) |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | [63.3](https://www.bankingnewsai.com/banks/ai-index) | #45 of 120 | [10](https://www.bankingnewsai.com/banks/columbia#sources) | [14](https://www.bankingnewsai.com/banks/columbia#sources) | [15 of 16](https://www.bankingnewsai.com/banks/columbia#where) | [16](https://www.bankingnewsai.com/banks/columbia#timeline) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | [49.2](https://www.bankingnewsai.com/banks/ai-index) | #59 of 120 | [7](https://www.bankingnewsai.com/banks/east-west#sources) | [15](https://www.bankingnewsai.com/banks/east-west#sources) | [8 of 10](https://www.bankingnewsai.com/banks/east-west#where) | [18](https://www.bankingnewsai.com/banks/east-west#timeline) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| [Banc of California (this page)](https://www.bankingnewsai.com/banks/banc-of-california) | [34.7](https://www.bankingnewsai.com/banks/ai-index) | #82 of 120 | [1](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [21](https://www.bankingnewsai.com/banks/banc-of-california#sources) | [10 of 14](https://www.bankingnewsai.com/banks/banc-of-california#where) | [15](https://www.bankingnewsai.com/banks/banc-of-california#timeline) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | [16.8](https://www.bankingnewsai.com/banks/ai-index) | #99 of 120 | [1](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [18](https://www.bankingnewsai.com/banks/cvb-financial#sources) | [8 of 8](https://www.bankingnewsai.com/banks/cvb-financial#where) | [17](https://www.bankingnewsai.com/banks/cvb-financial#timeline) | Not disclosed |
| [Cathay General Bancorp](https://www.bankingnewsai.com/banks/cathay) | [2.6](https://www.bankingnewsai.com/banks/ai-index) | #110 of 120 | [4](https://www.bankingnewsai.com/banks/cathay#sources) | [19](https://www.bankingnewsai.com/banks/cathay#sources) | [9 of 10](https://www.bankingnewsai.com/banks/cathay#where) | [11](https://www.bankingnewsai.com/banks/cathay#timeline) | Not disclosed |
| [Mechanics Bancorp](https://www.bankingnewsai.com/banks/mechanics) | [2.3](https://www.bankingnewsai.com/banks/ai-index) | #112 of 120 | [3](https://www.bankingnewsai.com/banks/mechanics#sources) | [21](https://www.bankingnewsai.com/banks/mechanics#sources) | [7 of 10](https://www.bankingnewsai.com/banks/mechanics#where) | [15](https://www.bankingnewsai.com/banks/mechanics#timeline) | Not disclosed |
| [Hope Bancorp (Bank of Hope)](https://www.bankingnewsai.com/banks/bank-of-hope) | [2.1](https://www.bankingnewsai.com/banks/ai-index) | #114 of 120 | [3](https://www.bankingnewsai.com/banks/bank-of-hope#sources) | [23](https://www.bankingnewsai.com/banks/bank-of-hope#sources) | [6 of 8](https://www.bankingnewsai.com/banks/bank-of-hope#where) | [14](https://www.bankingnewsai.com/banks/bank-of-hope#timeline) | Not disclosed |

## 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 California | Peer median | Most in the group | Place |
| --- | --- | --- | --- | --- |
| Independent sources (45%) | 1 | 5.5 | [City National (17)](https://www.bankingnewsai.com/banks/city-national) | 8th of 9 |
| Use cases in production (10%) | 10 | 8 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 3rd of 9 |
| Own primary disclosures (10%) | 21 | 18.5 | [Bank of Hope (23)](https://www.bankingnewsai.com/banks/bank-of-hope) | 2nd of 9 |
| Dated moves, last 12 months (10%) | 15 | 16.5 | [City National (19)](https://www.bankingnewsai.com/banks/city-national) | 6th of 9 |
| Disclosed numbers (5%) | 14 | 12.5 | [Western Alliance (16)](https://www.bankingnewsai.com/banks/western-alliance) | 2nd of 9 |
| Named AI leaders (5%) | 5 | 8 | [City National (13)](https://www.bankingnewsai.com/banks/city-national) | 7th of 9 |
| Use cases described (5%) | 14 | 10 | [Western Alliance (17)](https://www.bankingnewsai.com/banks/western-alliance) | 3rd of 9 |

## 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.

| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
| --- | --- | --- | --- | --- | --- |
| [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | BancEdge (formerly Deepstack) payments platform, SmartStreet ([Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf), [Banc of California](https://dam.bancofcal.com/m/4aa1623087c0b1bf/original/Banc-of-California-2024-Impact-Report.pdf), [Banc of California](https://dam.bancofcal.com/m/24e2a5fdb699888c/original/CORP29-Banc-of-California-Corporate-Fact-Sheet.pdf), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm)) | [5, incl. Jared Wolff (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/banc-of-california#people) ([American Banker](https://www.americanbanker.com/news/banc-of-california-takes-big-2q-loss-due-to-restructuring), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/504e5b3f4debf87f/original/LABJ-Building-Momentum-3-2-26.pdf)) | Developers using AI in daily workflows: More than 80% (Apr 23, 2026) ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) | Not disclosed | [2 open AI roles (Sep 24, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/banc-of-california#roles) |
| [East West Bancorp](https://www.bankingnewsai.com/banks/east-west) | In-house US–Hong Kong payments and partner technology ([East West Bank](https://eastwestbank.com/en/newsroom/inthenews_030226), [PYMNTS](https://www.pymnts.com/news/banking/2025/east-west-bank-to-offer-commercial-clients-worldpay-solutions/), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | [9, incl. Dominic Ng (Chairman and CEO)](https://www.bankingnewsai.com/banks/east-west#people) ([East West Bancorp](https://eastwestbank.com/assets/docs/news-room/EWBC_4Q2025-Earnings-Release.pdf), [American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) | 2026 expense growth guidance (includes AI, cyber and monitoring investment): 7% to 9% (Apr 21, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html)) | Not disclosed | [6 open AI roles (Oct 1, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/east-west#roles) |
| [Western Alliance Bancorporation](https://www.bankingnewsai.com/banks/western-alliance) | Triangle of Fraud Protection and the enterprise AI programme ([American Banker](https://americanbanker.com/news/how-truist-and-western-alliance-deploy-ai-to-fight-fraud), [Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [American Banker](https://americanbanker.com/news/innovation-of-the-year-2025-meet-the-honorees), [Business Wire via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607240855BIZWIRE_USPRX____20260724_BW077921-1)) | [12, incl. Ken Vecchione (Chairman)](https://www.bankingnewsai.com/banks/western-alliance#people) ([Western Alliance Bancorporation](https://investors.westernalliancebancorporation.com/files/doc_presentations/2026/05/WAL_InvestorDay_2026_Final.pdf), [Business Wire via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/western-alliance-appoints-ceo-kenneth-130000207.html), [Yahoo Finance](https://finance.yahoo.com/quote/WAL-PA/earnings/WAL-PA-Q2-2026-earnings_call-652989.html)) | Employee hours saved by AI: 150,000+ (estimate based on Microsoft Copilot usage) (May 12, 2026) ([Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) | Not disclosed | [5 open AI roles (Sep 24, 2026); most in AI engineering](https://www.bankingnewsai.com/banks/western-alliance#roles) |
| [City National Bank (RBC)](https://www.bankingnewsai.com/banks/city-national) | RBC Borealis and the parent's AI programme ([RBC](https://jobs.rbc.com/ca/en/preparing-our-workforce-for-a-future-with-ai), [PYMNTS](https://www.pymnts.com/artificial-intelligence-2/2026/rbc-embeds-ai-at-the-core-of-banking-aiming-for-1-billion-in-returns/), [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf), [RBC](https://jobs.rbc.com/ca/en/rbc-researchers-win-global-ai-challenge-for-finance), [American Banker](https://virtual-summits.americanbanker.com/profile/jaya-kandaswamy), [City National Bank](https://cnb.com/content/dam/cnb/library/publishers/los-angeles-business-journal/media/L-A-Business-Journal-Joe-Yurosek-riding-winds-of-change-20260302-2656973.pdf)) | [13, incl. Howard Hammond (Chief Executive Officer, City National Bank)](https://www.bankingnewsai.com/banks/city-national#people) ([American Banker](https://americanbanker.com/news/rbc-plans-mortgage-expansion-under-revised-us-strategy), [City National Bank](https://cnb.com/content/dam/cnb/library/publishers/los-angeles-business-journal/media/L-A-Business-Journal-Joe-Yurosek-riding-winds-of-change-20260302-2656973.pdf)) | RBC incremental enterprise value from AI, target: $700 million – $1 billion by 2027 (Dec 2, 2025) ([RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf)) | 3 patents listed on the profile, e.g. US 12,079,813 B2 (Identifying suspicious transaction destinations from login-page referrals) ([Google Patents (USPTO)](https://patents.google.com/patent/US12079813B2/en)) | Not surveyed |
| [Columbia Banking System](https://www.bankingnewsai.com/banks/columbia) | Integration-built infrastructure, not a disclosed AI platform ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202604231601PR_NEWS_USPRX____SF41688-1), [PR Newswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202606250900PR_NEWS_USPRX____SF91495-1), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734325000262/colbq32025earningspresen.htm), [earnings call transcript (The Motley Fool)](https://fool.com/earnings/call-transcripts/2025/08/05/columbia-bank-colb-earnings-call-transcript)) | [13, incl. Clint Stein (President and CEO, Columbia Banking System)](https://www.bankingnewsai.com/banks/columbia#people) ([American Banker](https://americanbanker.com/news/columbia-ceo-latest-merger-will-avoid-snags-of-the-last-one), [American Banker](https://www.americanbanker.com/news/columbia-eschews-more-m-a-amid-activist-investor-heat)) | Customer-support mix, human calls to AI-assistant chats: 2 : 1 → 1 : 3 (Apr 23, 2026) ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) | Not disclosed | [1 open AI roles (Sep 24, 2026); most in ML & data science](https://www.bankingnewsai.com/banks/columbia#roles) |
| [Cathay General Bancorp](https://www.bankingnewsai.com/banks/cathay) | Not disclosed | [6, incl. Chang M. Liu (President and CEO)](https://www.bankingnewsai.com/banks/cathay#people) ([Cathay General Bancorp](https://cathaygeneralbancorp.com/CGB/pr-20260722), [Cathay General Bancorp](https://cathaybank.com/CGB/annual-report-2025)) | Earnings calls with an AI mention, Q1 2025 to Q2 2026: 0 of 6 (Jul 22, 2026) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-q1-2025-beats-eps-forecast-93CH-3994460), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-sees-strong-q2-2025-growth-93CH-4286918), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/22/cathay-caty-q3-2025-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-beats-q4-2025-earnings-forecasts-93CH-4461755), [The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/22/cathay-caty-q1-2026-earnings-call-transcript), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-tops-q2-2026-estimates-93CH-4807238)) | Not disclosed | Not surveyed |
| [CVB Financial Corp.](https://www.bankingnewsai.com/banks/cvb-financial) | Not disclosed | [7, incl. David A. Brager (Chief Executive Officer)](https://www.bankingnewsai.com/banks/cvb-financial#people) ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q3-2025-earnings_call-367007.html), [Citizens Business Bank](https://cbbank.com/about-us/leadership-team)) | 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) ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm)) | Not disclosed | Not surveyed |
| [Hope Bancorp (Bank of Hope)](https://www.bankingnewsai.com/banks/bank-of-hope) | Not disclosed | [4, incl. Kevin S. Kim (Chairman, President and CEO, Hope Bancorp)](https://www.bankingnewsai.com/banks/bank-of-hope#people) ([Hope Bancorp (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202607270800BIZWIRE_USPRX____20260727_BW546817-1), [American Banker](https://www.americanbanker.com/news/l-a-bank-to-buy-u-s-commercial-banking-unit-from-japans-smbc)) | Full-time equivalent employees (Bank and Hope Bancorp): 1,434 (1,244 a year earlier) (Dec 31, 2025) ([Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000112836126000011/hope-20251231.htm)) | Not disclosed | Not surveyed |
| [Mechanics Bancorp](https://www.bankingnewsai.com/banks/mechanics) | Not disclosed | [5, incl. C.J. Johnson (President and CEO)](https://www.bankingnewsai.com/banks/mechanics#people) ([Mechanics Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/mechanics-bancorp-reports-second-quarter-094500935.html)) | Full-time equivalent employees: 1,756 (from 2,036 at 30 September 2025, after the merger) (Jun 30, 2026) ([Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000057/a2q2026earningsrelease.htm)) | Not disclosed | Not surveyed |

## 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.

| Date | Bank | Move |
| --- | --- | --- |
| Oct 1, 2026 | [Bank of Hope](https://www.bankingnewsai.com/banks/bank-of-hope) | SMBC MANUBANK commercial banking unit acquisition completed ([Hope Bancorp (Business Wire via FT)](https://markets.ft.com/data/announce/detail?dockey=600-202610010830BIZWIRE_USPRX____20261001_BW057537-1), [Hope Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1128361/000112836126000049/hope-20261001.htm)) |
| Sep 16, 2026 | [Mechanics Bank](https://www.bankingnewsai.com/banks/mechanics) | Runoff auto portfolio sold to Bank of America ([Mechanics Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/1518715/000151871526000068/mchbautoportfoliosalesept2.htm)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | Barclays conference: 15 AI use cases, top five for 2027 ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 16, 2026 | [Western Alliance](https://www.bankingnewsai.com/banks/western-alliance) | AI team first used to defend against Mythos ([Investing.com](https://www.investing.com/news/transcripts/western-alliance-at-barclays-conference-shift-to-profits-buybacks-93CH-4904090)) |
| Sep 15, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Barclays conference: AI answers most client messages ([Investing.com](https://www.investing.com/news/transcripts/columbia-banking-system-at-barclays-conference-discipline-drives-gains-93CH-4902099)) |
| Sep 14, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Barclays conference: CFO describes everyday AI use ([Investing.com](https://investing.com/news/transcripts/east-west-bank-at-barclays-conference-growth-fees-and-capital-93CH-4900251)) |
| Sep 10, 2026 | [City National](https://www.bankingnewsai.com/banks/city-national) | Chad Lloyd to lead RBC U.S. Mortgage from City National ([City National Bank via PR Newswire](https://www.prnewswire.com/news-releases/chad-lloyd-joins-city-national-bank-to-lead-rbc-us-mortgage-302875610.html)) |
| Sep 9, 2026 | [City National](https://www.bankingnewsai.com/banks/city-national) | McKay at Scotiabank summit: remediation and re-platforming costs to fall; AI credit tools built ([Investing.com](https://investing.com/news/transcripts/royal-bank-of-canada-at-scotiabank-summit-ai-growth-lift-returns-93CH-4893978)) |
| Sep 2, 2026 | [Bank of Hope](https://www.bankingnewsai.com/banks/bank-of-hope) | Regulatory approvals for the SMBC MANUBANK unit ([Hope Bancorp (Business Wire via Yahoo Finance)](https://finance.yahoo.com/economy/policy/articles/bank-hope-receives-regulatory-approvals-203000121.html)) |
| Aug 24, 2026 | [East West](https://www.bankingnewsai.com/banks/east-west) | Third among top-performing banks over $50 billion ([American Banker](https://www.americanbanker.com/news/the-top-performing-banks-with-more-than-50b-of-assets-in-2025)) |
| Aug 21, 2026 | [Mechanics Bank](https://www.bankingnewsai.com/banks/mechanics) | Senior Citizens Day fraud-prevention guidance ([Mechanics Bank](https://mechanicsbank.com/resources/resources-tools/insights/senior-citizens-day-fraud-prevention)) |
| Aug 7, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 10-Q: computer software expense up 39.14% ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |
| Aug 7, 2026 | [Cathay Bank](https://www.bankingnewsai.com/banks/cathay) | Q2 2026 10-Q: still no AI reference ([Cathay General Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/861842/000143774926026554/caty20260630_10q.htm)) |
| Aug 7, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 10-Q lists AI among competing technologies ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm)) |
| Aug 4, 2026 | [Columbia](https://www.bankingnewsai.com/banks/columbia) | Second-quarter 10-Q names AI as a competitive technology and reports the MOVEit litigation ([Columbia Banking System (SEC filings)](https://www.sec.gov/Archives/edgar/data/887343/000088734326000170/colb-20260630.htm)) |
| Jul 29, 2026 | [Banc of California](https://www.bankingnewsai.com/banks/banc-of-california) | Q2 2026 call: APIs added, no AI remarks ([The Motley Fool (earnings call transcript)](https://www.fool.com/earnings/call-transcripts/2026/08/07/banc-of-california-banc-q2-2026-earnings-call-transcript/)) |
| Jul 23, 2026 | [Citizens Business Bank](https://www.bankingnewsai.com/banks/cvb-financial) | Q2 2026 results: AI appears only as a forward-looking factor ([Yahoo Finance](https://finance.yahoo.com/quote/CVBF/earnings/CVBF-Q1-2026-earnings_call-544871.html), [Yahoo Finance](https://finance.yahoo.com/quote/BCV.F/earnings/BCV.F-Q2-2026-earnings_call-653685.html), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |
| Jul 22, 2026 | [Cathay Bank](https://www.bankingnewsai.com/banks/cathay) | Second-quarter 2026 results ([Cathay General Bancorp](https://cathaygeneralbancorp.com/CGB/pr-20260722), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-cathay-general-bancorp-tops-q2-2026-estimates-93CH-4807238)) |

## 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.

| Bank | Los Angeles deposits and branches | Customer AI assistant | Employee AI disclosed |
| --- | --- | --- | --- |
| Banc of California | 8th: 2.6%, 41 branches | None disclosed; a generative-AI fraud guide for clients | Nearly universal access to AI tools; robust Copilot use; more than 80% of developers using AI daily (April 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| JPMorgan Chase | 1st: 18.7%, 334 branches | No consumer assistant launched; a consumer travel agent targeted for pilot before end-2026 | LLM Suite: 150,000 weekly users (February 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-chase-lake-agentic-ai-commerce-adoption/822426), [JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) |
| Bank of America | 2nd: 16.7%, 276 branches | Erica: helps more than 24.6 million clients | About 200,000 active users of general-purpose AI tools (June 30, 2026) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Bank of America (SEC filings)](https://www.sec.gov/Archives/edgar/data/70858/000007085826000353/bac06302026ex992.htm)) |
| Wells Fargo | 3rd: 13.1%, 257 branches | Fargo: more than 1 billion interactions in under three years (March 2026) | Microsoft 365 Copilot for 30,000+ employees at 92% active usage (November 2025) ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Microsoft](https://www.microsoft.com/en-us/microsoft-cloud/blog/2025/11/20/from-legacy-to-frontier-how-100-year-brands-are-leading-ai-innovation/)) |
| City National (RBC) | 4th: 7.7%, 35 branches | Not disclosed for City National | RBC targets $700 million to $1 billion of enterprise value from AI by 2027 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf)) |
| East West | 5th: 5.6%, 42 branches | Not disclosed | 2026 expense growth of 7% to 9% includes AI, cyber and monitoring investment ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html)) |

## 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.

| Bank | AI in use | Result or scale | Date |
| --- | --- | --- | --- |
| Banc of California | Copilot and AI tools for staff; BSA review support; customer service | More than 80% of developers using AI daily | April 2026 ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html)) |
| Western Alliance | Machine-learning fraud screening; Microsoft Copilot | 723 million+ fraudulent class-action claims prevented in 2024; 150,000+ hours saved (Copilot estimate) | April 2025; May 2026 ([Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm)) |
| Columbia | AI customer-support assistant | From two human calls per AI chat to three AI chats per human call | April 2026 ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-colb-q1-2026-earnings-235221791.html), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/columbia-banking-system-q1-earnings-223611466.html)) |
| City National (RBC) | RBC enterprise AI program | $700 million to $1 billion of value targeted by 2027 | December 2025 ([RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf)) |
| CVB Financial | AI Governance Council; 'selective and limited' use | Computer software expense up 39.14% in Q2 2026 | 2026 ([CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526144078/cvbf-20260401.htm), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm)) |

## 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. ([Banc of California](https://bancofcal.com/payment-solutions/bancedge), [Banc of California](https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf))

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. ([Stripe](https://stripe.com/newsroom/news/stripe-2025-update), [Stripe](https://stripe.com/newsroom/news/agentic-commerce-suite), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Fifth Third](https://53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-09-08.html), [Los Angeles Business Journal (reprint posted by Banc of California)](https://dam.bancofcal.com/m/7591d34845dbcd7/original/LABJ-Payments-Push.pdf))

## 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. ([Banc of California](https://bancofcal.com/venture-banking/technology), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Banc of California](https://bancofcal.com/about-us/newsroom/press-releases/banc-of-california-renews-commitment-to-alliance-for-southern-california-innovation))

### 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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm))

### 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. ([Banc of California](https://bancofcal.com/business-insights/the-growing-threat-of-ai-fraud/), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones))

### 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. ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html))

### 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. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:31080%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [RBC](https://www.rbc.com/investor-relations/_assets-custom/pdf/ar_2025_e.pdf), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html))

### 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. ([Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html), [Banc of California](https://bancofcal.com/venture-banking/technology), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm))

### 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. ([Banc of California](https://bancofcal.com/about-us/leadership/), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026021447/banc-20260326.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [Banc of California](https://bancofcal.com/about-us/newsroom/banc-of-california-appoints-chris-healy-as-executive-director-head-of-payments))

### 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. ([Western Alliance Bank](https://westernalliancebancorporation.com/sites/default/files/2025-04/2025-digital-payments-research-report.pdf), [Western Alliance Bancorporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/1212545/000162828026033850/wal_investordayx2026xfin.htm), [Yahoo Finance (Motley Fool transcript)](https://finance.yahoo.com/markets/stocks/articles/banc-california-banc-q1-2026-182536514.html))

### 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. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026012946/banc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1169770/000162828026054876/banc-20260630.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/east-west-ewbc-q1-2026-222917326.html), [CVB Financial Corp. (SEC filings)](https://www.sec.gov/Archives/edgar/data/354647/000119312526340248/cvbf-20260630.htm))

## Peers on this site

- [East West Bancorp AI strategy](https://www.bankingnewsai.com/banks/east-west) · [vs peers](https://www.bankingnewsai.com/banks/east-west/vs-peers)
- [Western Alliance Bancorporation AI strategy](https://www.bankingnewsai.com/banks/western-alliance) · [vs peers](https://www.bankingnewsai.com/banks/western-alliance/vs-peers)
- [City National Bank (RBC) AI strategy](https://www.bankingnewsai.com/banks/city-national) · [vs peers](https://www.bankingnewsai.com/banks/city-national/vs-peers)
- [Columbia Banking System AI strategy](https://www.bankingnewsai.com/banks/columbia) · [vs peers](https://www.bankingnewsai.com/banks/columbia/vs-peers)
- [Cathay General Bancorp AI strategy](https://www.bankingnewsai.com/banks/cathay) · [vs peers](https://www.bankingnewsai.com/banks/cathay/vs-peers)
- [CVB Financial Corp. AI strategy](https://www.bankingnewsai.com/banks/cvb-financial) · [vs peers](https://www.bankingnewsai.com/banks/cvb-financial/vs-peers)
- [Hope Bancorp (Bank of Hope) AI strategy](https://www.bankingnewsai.com/banks/bank-of-hope) · [vs peers](https://www.bankingnewsai.com/banks/bank-of-hope/vs-peers)
- [Mechanics Bancorp AI strategy](https://www.bankingnewsai.com/banks/mechanics) · [vs peers](https://www.bankingnewsai.com/banks/mechanics/vs-peers)

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