{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-016848","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2024-04-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:20.151028+00:00","generated_at":"2026-06-03T05:41:16.439437+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Southern California Bancorp Q1 net income $4.9M, EPS $0.26; NIM narrows to 3.80%; NPA ratio rises","bullets":["Net income $4.9M ($0.26 diluted) vs $4.4M ($0.24) Q4 2023 and $8.2M ($0.44) Q1 2023.","Net interest margin 3.80% down from 4.05%; cost of deposits up to 2.05% from 1.81%.","Loans held for investment fell $74.2M; total assets $2.29B down 3.0%.","Nonperforming assets to total assets 0.84% vs 0.55% prior quarter; OREO added $13.1M multifamily.","Merger with California BanCorp expected to close later 2024; $547k after-tax merger expenses."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-016848","json":"https://secwatch.observer/filing/0001493152-24-016848.json","markdown":"https://secwatch.observer/filing/0001493152-24-016848.md","text":"https://secwatch.observer/filing/0001493152-24-016848.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224016848/0001493152-24-016848-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224016848/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:41:16.439437+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":"6cb0ebc06f378e5a800a02506ae189202a867e9a","claim":"California BanCorp \\ CA reported the first quarter of 2024 results: net income $4.9 million, EPS $0.26 per diluted share.","evidence_excerpt":"Southern California Bancorp reported net income of $4.9 million for the first quarter of 2024, or $0.26 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1795815/000149315224016848/0001493152-24-016848-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2024"},{"label":"Net income","value":"$4.9 million"},{"label":"EPS","value":"$0.26 per diluted share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}