{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-25-006127","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2025-02-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.901332+00:00","generated_at":"2026-05-26T22:58:03.349857+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"California BanCorp reports Q4 net income of $16.8M, EPS $0.51, vs Q3 loss","bullets":["Net income $16.8M ($0.51 diluted) in Q4 2024 vs net loss $16.5M ($0.59) in Q3; full year net income $5.4M vs $25.9M in 2023.","Net interest margin expanded to 4.61% from 4.43% in Q3; average loan yield increased to 6.84% from 6.79%.","Reversal of provision for credit losses of $3.8M vs $23.0M provision in Q3, which included day-one merger charge.","Tangible book value per share rose $0.43 to $11.71; total assets $4.03B, down 7.6% from September 30.","Noninterest-bearing deposits 37.0% of total; brokered deposits cut to $121.1M from $222.6M in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-25-006127","json":"https://secwatch.observer/filing/0001493152-25-006127.json","markdown":"https://secwatch.observer/filing/0001493152-25-006127.md","text":"https://secwatch.observer/filing/0001493152-25-006127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315225006127/0001493152-25-006127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315225006127/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T22:58:03.349857+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}