California BanCorp Q2 net income $14.1M ($0.43 EPS); NIM 4.61%; NPA ratio falls to 0.46%

California BanCorp \ CA

2025-Q2 EPS reported $0.95

Net income of $14.1M vs $16.9M in Q1 2025 and $190K in Q2 2024; diluted EPS $0.43 (Q1: $0.52).
Net interest margin 4.61% (4.65% prior quarter); total loan yield 6.58%.
Reversal of credit losses $634K vs $3.8M provision in prior quarter; net charge-offs $4.1M.
Nonperforming assets / total assets ratio improved to 0.46% from 0.68% at March 31, 2025.
Redeemed $18M subordinated notes; tangible book value rose to $12.82 per share from $12.29.

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