Banc of California is a bank holding company operating through its subsidiary, a California state-chartered bank that serves small, middle-market, and venture-backed businesses across the western United States through commercial and community banking, specialty lending in niches like venture banking and homeowners associations, deposit and treasury management services, and payment processing solutions. The Bank generates revenue primarily from interest income on its diverse lending portfolio—dominated by real estate loans alongside commercial loans, equipment finance, and venture lending—as well as from deposit-related fees, payment processing, and treasury management services. The Bank funds its operations principally through customer deposits, supplemented by external financing arrangements, and positions itself as a relationship-oriented commercial banking institution differentiated by its lending expertise, local community presence, and breadth of specialized products.