{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-25-019827","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.488699+00:00","generated_at":"2026-05-17T01:58:20.869967+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 Q3 net income rises to $15.7M; deposits up $147.4M; NPA ratio falls to 0.38%","bullets":["Net income of $15.7M ($0.48 diluted EPS) vs $14.1M in Q2 2025 and a net loss of $16.5M in Q3 2024.","Net interest margin 4.52% vs 4.61% prior quarter; total assets $4.10B up from $3.95B.","Nonperforming assets to total assets ratio declined to 0.38% from 0.46% at June 30, 2025.","Repurchased 89,500 shares at avg $15.22 for $1.4M; redeemed $20M subordinated notes.","Tangible book value per share increased to $13.39 from $12.82 in prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-25-019827","json":"https://secwatch.observer/filing/0001493152-25-019827.json","markdown":"https://secwatch.observer/filing/0001493152-25-019827.md","text":"https://secwatch.observer/filing/0001493152-25-019827.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/0001493152-25-019827-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:58:20.869967+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"}