---
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"
generated_at: "2026-05-17T01:58:20.869967+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# California BanCorp Q3 net income rises to $15.7M; deposits up $147.4M; NPA ratio falls to 0.38%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-019827
- JSON: https://secwatch.observer/filing/0001493152-25-019827.json
- Plain text: https://secwatch.observer/filing/0001493152-25-019827.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.