{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-23-025443","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2023-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:35.274358+00:00","generated_at":"2026-06-13T03:17:53.418292+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Southern California Bancorp Q2 net income $6.7M, EPS $0.36, down from Q1; NIM 4.36%","bullets":["Net income of $6.7M ($0.36 diluted EPS) vs. $8.2M ($0.44) in Q1 2023 and net loss of $736K in Q2 2022.","Net interest margin narrowed to 4.36% from 4.71% as deposit costs rose 49 bps to 1.29%.","Total loans grew $19.9M to $1.91B; nonperforming assets negligible at 0.002% of assets.","Noninterest-bearing deposits fell to 39.2% of total deposits vs. 44.4% in Q1; cost of funds up 50 bps to 1.38%.","Tangible book value per share increased 2.6% to $12.82 from $12.49 in Q1."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-23-025443","json":"https://secwatch.observer/filing/0001493152-23-025443.json","markdown":"https://secwatch.observer/filing/0001493152-23-025443.md","text":"https://secwatch.observer/filing/0001493152-23-025443.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315223025443/0001493152-23-025443-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315223025443/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T03:17:53.418292+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"98322b6762a1f64d75dea5be53d1de5ff9dc9cb8","claim":"California BanCorp \\ CA reported the second quarter of 2023 results: net income net income of $6.7 million, EPS $0.36 per diluted share.","evidence_excerpt":"On July 25, 2023, Southern California Bancorp (the “Company”) issued an earnings release reporting its consolidated financial results as of and for the second quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1795815/000149315223025443/0001493152-23-025443-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"net income of $6.7 million"},{"label":"EPS","value":"$0.36 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}