{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-003886","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.206069+00:00","generated_at":"2026-05-16T07:05:14.474334+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"California BanCorp reports Q4 net income $16.4M ($0.50/diluted EPS); full-year $63.1M","bullets":["Q4 net income $16.4M vs $15.7M Q3; diluted EPS $0.50 vs $0.48; NIM 4.44% vs 4.52%.","Full-year net income $63.1M ($1.93/diluted) vs $5.4M ($0.22) in 2024, reflecting merger integration.","Reversal of provision for credit losses of $4.4M in Q4; ACL ratio 1.20% of loans.","Total loans increased $62M to $3.06B; nonperforming assets 0.40% of total assets.","Declared $0.10/share quarterly dividend; repurchased 122,428 shares at avg $16.37 in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-003886","json":"https://secwatch.observer/filing/0001493152-26-003886.json","markdown":"https://secwatch.observer/filing/0001493152-26-003886.md","text":"https://secwatch.observer/filing/0001493152-26-003886.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000149315226003886/0001493152-26-003886-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000149315226003886/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:05:14.474334+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"}