---
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"
generated_at: "2026-05-16T07:05:14.474334+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# California BanCorp reports Q4 net income $16.4M ($0.50/diluted EPS); full-year $63.1M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-26-003886
- JSON: https://secwatch.observer/filing/0001493152-26-003886.json
- Plain text: https://secwatch.observer/filing/0001493152-26-003886.txt

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