{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-004229","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2024-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.559876+00:00","generated_at":"2026-06-06T15:08:35.164863+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Southern California Bancorp reports Q4 net income $4.4M, announces merger with California BanCorp","bullets":["Q4 net income $4.4M ($0.24 diluted EPS) vs $6.6M ($0.35) Q3; full year $25.9M ($1.39), up 61% from 2022.","Net interest margin 4.05% in Q4 (vs 4.23% Q3); full year 4.33% (vs 4.06% previous year).","Tangible book value per share $13.56, up from $13.08 Q3; total assets $2.36B.","Entered into a merger agreement with California BanCorp; further details in a separate release.","Provision for credit losses $824K in Q4 vs $96K reversal in Q3; $1.3M charge-off on a nonaccrual multifamily loan."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-004229","json":"https://secwatch.observer/filing/0001493152-24-004229.json","markdown":"https://secwatch.observer/filing/0001493152-24-004229.md","text":"https://secwatch.observer/filing/0001493152-24-004229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224004229/0001493152-24-004229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224004229/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T15:08:35.164863+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":"7be67171a0d760958f52bcaef449a75cd609850a","claim":"California BanCorp \\ CA reported the fourth quarter and the full year of 2023 results: net income $4.4 million for the fourth quarter of 2023, or $0.24 per diluted share, EPS $0.24 per diluted share.","evidence_excerpt":"Southern California Bancorp reported net income of $4.4 million for the fourth quarter of 2023, or $0.24 per diluted share, compared to net income of $8.5 million, or $0.46 per diluted share in the fourth quarter of 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224004229/0001493152-24-004229-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter and the full year of 2023"},{"label":"Net income","value":"$4.4 million for the fourth quarter of 2023, or $0.24 per diluted share"},{"label":"EPS","value":"$0.24 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"}