BCAL on Nasdaq
California BanCorp \ CA
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 69% of the revenue California BanCorp \ CA broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Deposit Account | $2.1M | $3.2M |
| Interchange and ATM Income | $1.0M | $1.4M |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interest and fees on loans | $195.9M | $160.0M |
| Interest on debt securities | $7.8M | $5.8M |
| Interest on tax-exempted debt securities | $1.2M | $1.2M |
| Interest on deposits at other financial institutions | $18.7M | $11.0M |
| Interest and dividends on other interest-earning assets | $2.3M | $1.8M |
| Total interest and dividend income | $226.0M | $179.8M |
| Interest on NOW, money market and savings accounts | $46.0M | $37.3M |
| Interest on time deposits | $6.2M | $15.4M |
| Interest on borrowings | $4.6M | $4.1M |
| Total interest expense | $56.9M | $56.8M |
| Net interest income | $169.1M | $123.0M |
| (Reversal of) provision for credit losses | -$8.8M | $21.7M |
| Net interest income after (reversal of) provision for credit losses | $177.9M | $101.3M |
| Gain (loss) on sale of loans | $577.0K | -$672.0K |
| Income from bank owned life insurance | $2.3M | $1.7M |
| Servicing and related income on loans, net | $453.0K | $307.0K |
| Loss on sale and disposal of fixed assets | -$1.0K | -$19.0K |
| Other charges and fees | $3.1M | $256.0K |
| Total noninterest income | $11.1M | $4.8M |
| Salaries and employee benefits | $62.3M | $49.8M |
| Occupancy and equipment | $8.6M | $7.2M |
| Data processing and communications | $7.6M | $5.8M |
| Legal, audit and professional | $3.6M | $2.6M |
| Regulatory assessments | $2.3M | $1.7M |
| Director and shareholder expenses | $1.5M | $1.4M |
| Merger and related expenses | $0 | $16.3M |
| Intangible asset amortization | $3.8M | $1.9M |
| Litigation settlements, net | $2.0M | $0 |
| Other real estate owned expenses | $924.0K | $5.2M |
| Other expenses | $8.4M | $5.8M |
| Total noninterest expense | $101.0M | $97.8M |
| Income before income taxes | $88.0M | $8.3M |
| Income tax expense | $24.9M | $2.8M |
| Net income | $63.1M | $5.4M |
| Basic (in dollars per share) | $1.95 | $0.22 |
| Diluted (in dollars per share) | $1.93 | $0.22 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $52.0M | $60.5M | |
| Federal funds and interest-bearing balances | $347.9M | $327.7M | |
| Total cash and cash equivalents | $399.9M | $388.2M | |
| Debt securities available for sale, at fair value (amortized cost of $237,191 and $151,429 at December 31, 2025 and 2024, respectively) | $234.9M | $142.0M | |
| Debt securities held to maturity, at amortized cost, net of allowance of $0 for both periods (fair value of $49,308 and $47,823 at December 31, 2025 and 2024, respectively) | $52.9M | $53.3M | |
| Loans held for sale, at lower of cost or fair value | $25.1M | $17.2M | |
| Loans held for investment | $3.0B | $3.1B | |
| Allowance for credit losses on loans | -$34.3M | -$50.5M | -$22.6M |
| Loans held for investment, net | $3.0B | $3.1B | |
| Restricted stock, at cost | $30.9M | $30.8M | |
| Premises and equipment, net | $12.1M | $13.6M | |
| Right-of-use asset | $15.1M | $14.3M | |
| Other real estate owned, net | $0 | $4.1M | $0 |
| Goodwill | $110.9M | $111.8M | $37.8M |
| Intangible assets, net | $18.5M | $22.3M | |
| Bank owned life insurance | $67.4M | $66.6M | |
| Deferred taxes assets, net | $29.0M | $43.1M | |
| Accrued interest and other assets | $37.0M | $35.7M | |
| Total assets | $4.0B | $4.0B | |
| Noninterest-bearing demand | $1.2B | $1.3B | |
| Interest-bearing NOW accounts | $840.6M | $673.6M | |
| Money market and savings accounts | $1.2B | $1.2B | |
| Time deposits | $128.2M | $285.2M | |
| Total deposits | $3.4B | $3.4B | |
| Borrowings | $33.8M | $69.7M | |
| Operating lease liability | $18.9M | $18.3M | |
| Accrued interest and other liabilities | $33.5M | $33.0M | |
| Total liabilities | $3.5B | $3.5B | |
| Preferred stock - 50,000,000 shares authorized, no par value; no shares issued and outstanding at December 31, 2025 and 2024 | $0 | $0 | |
| Common stock - 50,000,000 shares authorized, no par value; issued and outstanding 32,418,182 and 32,265,935 at December 31, 2025 and 2024, respectively | $442.4M | $442.5M | |
| Retained earnings | $135.8M | $76.0M | |
| Accumulated other comprehensive loss, net of taxes | -$1.6M | -$6.6M | |
| Total shareholders equity | $576.6M | $511.8M | $288.2M |
| Total liabilities and shareholders equity | $4.0B | $4.0B | |
| Debt securities available-for-sale, amortized cost | $237.2M | $151.4M | |
| Debt securities held-to-maturity, at amortized cost, allowance | $0 | $0 | |
| Debt securities held-to-maturity, fair value | $49.3M | $47.8M | |
| Preferred stock authorized (in shares) | 50.0M shares | 50.0M shares | |
| Preferred stock issued (in shares) | 0 shares | 0 shares | |
| Preferred stock outstanding (in shares) | 0 shares | 0 shares | |
| Common stock authorized (in shares) | 50.0M shares | 50.0M shares | |
| Common stock issued (in shares) | 32.4M shares | 32.3M shares | |
| Common stock outstanding (in shares) | 32.4M shares | 32.3M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $63.1M | $5.4M |
| Depreciation on premises and equipment | $1.8M | $1.8M |
| Core deposit intangible amortization | $3.8M | $1.9M |
| Accretion of net discounts and deferred loan fees | -$21.3M | -$12.3M |
| Amortization of discounts of debt securities | -$1.4M | -$939.0K |
| (Gain) loss on sale of loans | -$577.0K | $680.0K |
| Loss on sale and disposal of fixed assets | $1.0K | $19.0K |
| Loans originated for sale | -$9.0M | -$6.3M |
| Proceeds from sales of and principal collected on loans held for sale | $9.6M | $6.8M |
| (Reversal of) provision for credit losses | -$8.8M | $21.7M |
| Deferred income tax expense (benefit) | $11.5M | -$426.0K |
| Impairment charges of right-of-use assets | $0 | $78.0K |
| Stock-based compensation | $5.8M | $6.2M |
| Income from bank owned life insurance | -$2.3M | -$1.7M |
| Loss on sale of other real estate owned | $862.0K | $4.8M |
| Valuation allowance on other real estate owned | $0 | $614.0K |
| Net decrease in other items | $4.3M | $22.1M |
| Net cash provided by operating activities | $57.3M | $50.3M |
| Net cash acquired in business combination | $0 | $336.3M |
| Proceeds from bank owned life insurance death benefits | $1.6M | $0 |
| Proceeds from sale of debt securities available for sale | $0 | $3.4M |
| Proceeds from maturities and paydowns of debt securities available for sale | $38.4M | $27.5M |
| Purchases of debt securities available for sale | -$122.4M | -$2.0M |
| Purchases of debt securities held to maturity | $0 | $0 |
| Purchases of restricted stock | -$103.0K | -$8.9M |
| Net (contributions) distributions of stock investments | -$680.0K | $2.2M |
| Net repayment of loans | $98.4M | $81.5M |
| Proceeds from sale of loans held for investment | $13.5M | $76.8M |
| Proceeds from sale of other real estate owned | $1.4M | $8.3M |
| Purchases of premises and equipment | -$346.0K | -$552.0K |
| Net cash provided by investing activities | $29.8M | $524.7M |
| Net decrease in deposits | -$28.1M | -$187.6M |
| Repayment of Federal Home Loan Bank advances | $0 | -$85.0M |
| Repayment of other borrowings | -$38.0M | $0 |
| Proceeds from exercise of stock options | $132.0K | $950.0K |
| Repurchase of shares in settlement of restricted stock units | -$2.7M | -$2.0M |
| Repurchase of common stock under authorized stock repurchase program | -$3.4M | $0 |
| Common stock dividends | -$3.3M | $0 |
| Net cash used in financing activities | -$75.3M | -$273.6M |
| Net change in cash and cash equivalents | $11.8M | $301.4M |
| Interest paid | $58.5M | $52.1M |
| Taxes paid (Note 11) | $9.8M | $2.9M |
| Lease liability arising from obtaining right-of-use assets | $4.8M | $105.0K |
| Loans transferred from loans held for investment to loans held for sale | $17.3M | $25.9M |
| Loans transferred from loans held for investment to other real estate owned | $0 | $17.7M |
| Loan to facilitate sale of other real estate owned | $1.8M | $0 |
| Fair value of net assets acquired | $0 | $1.9B |
| Cash consideration | $0 | -$1.4M |
| Liabilities assumed | $0 | $1.7B |
| Goodwill measurement period adjustments | -$853.0K | -$728.0K |
Former names
- Southern California Bancorp \ CAJun 2, 2020 to Jul 29, 20242
Recent filings
- Sep 23, 20264 PRIMARY DOCUMENT
- Sep 9, 20264 PRIMARY DOCUMENT
- Aug 24, 20264 PRIMARY DOCUMENT
- Aug 24, 20264 PRIMARY DOCUMENT
- Aug 24, 20264 PRIMARY DOCUMENT
- Aug 14, 2026SCHEDULE 13G/A
- Aug 13, 2026SCHEDULE 13G/A
- Aug 12, 2026144
- Aug 12, 20264 PRIMARY DOCUMENT
- Aug 12, 20264 PRIMARY DOCUMENT
- Aug 7, 202610-Q
- Aug 4, 20264 PRIMARY DOCUMENT
- Aug 4, 20264 PRIMARY DOCUMENT
- Aug 4, 20264 PRIMARY DOCUMENT
- Aug 4, 20264 PRIMARY DOCUMENT
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
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