{"schema_version":"secwatch.filing_event.v1","accession":"0001641172-25-021101","form_type":"8-K","ticker":"BCAL","cik":"0001795815","company_name":"California BanCorp \\ CA","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.018563+00:00","generated_at":"2026-05-18T00:21:15.952994+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"California BanCorp Q2 net income $14.1M ($0.43 EPS); NIM 4.61%; NPA ratio falls to 0.46%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001641172-25-021101","json":"https://secwatch.observer/filing/0001641172-25-021101.json","markdown":"https://secwatch.observer/filing/0001641172-25-021101.md","text":"https://secwatch.observer/filing/0001641172-25-021101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1795815/000164117225021101/0001641172-25-021101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1795815/000164117225021101/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:21:15.952994+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"}