---
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"
generated_at: "2026-05-18T00:21:15.952994+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001641172-25-021101
- JSON: https://secwatch.observer/filing/0001641172-25-021101.json
- Plain text: https://secwatch.observer/filing/0001641172-25-021101.txt

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