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BCAL on Nasdaq

California BanCorp \ CA

American national commercial bank, incorporated in California1

In its 2026 annual report the company says: “California BanCorp is a California corporation incorporated on October 2, 2019 and is registered with the Board of Governors of the Federal Reserve System as a bank holding company for California Bank of Commerce, N.A. under the Bank Holding Company Act of 1956, as amended.”3 It is headquartered in San Diego, California.1 Its shares trade on Nasdaq under the symbol BCAL.1

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Last updated Oct 21, 2026.

Overview

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  • TickerBCAL on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersSan Diego, California1
  • Incorporated inCA2
  • Business address12265 El Camino Real, Suite 210, San Diego, Ca 921302
  • Filer categoryAccelerated filer, Emerging growth company2

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California BanCorp is a California corporation incorporated on October 2, 2019 and is registered with the Board of Governors of the Federal Reserve System as a bank holding company for California Bank of Commerce, N.A. under the Bank Holding Company Act of 1956, as amended. On May 15, 2020, the Company completed a reorganization whereby the Bank became a wholly-owned subsidiary of the Company. California Bank of Commerce, N.A. began business operations in December 2001 under the name Ramona National Bank. The Bank changed its name to First Business Bank, N.A. in 2006, to Bank of Southern California, N.A. in 2010, and to California Bank of Commerce, N.A. on July 31, 2024. The Bank has a wholly-owned subsidiary, BCAL OREO1, LLC, which was incorporated on February 14, 2024. BCAL OREO1, LLC is used for holding other real estate owned and other assets acquired by foreclosure. The Bank operate…3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Deposit Account brought in 69% of the revenue California BanCorp \ CA broke down this way in fiscal 2025.

  1. Deposit Account$3.2M469%up 51% from 2024
  2. Interchange and ATM Income$1.4M431%up 35% from 2024
Products and services by year
Products and services20242025
Deposit Account$2.1M$3.2M
Interchange and ATM Income$1.0M$1.4M

Financial statements

Net income564$63.1M in 2025+291% since 2022
0$20.0M$40.0M$60.0M$80.0M2022: $16.1M$16.1M20222023: $25.9M$25.9M2023+61%2024: $5.4M$5.4M2024−79%2025: $63.1M$63.1M2025+1061%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Interest and fees on loans$195.9M$160.0M
Interest on debt securities$7.8M$5.8M
Interest on tax-exempted debt securities$1.2M$1.2M
Interest on deposits at other financial institutions$18.7M$11.0M
Interest and dividends on other interest-earning assets$2.3M$1.8M
Total interest and dividend income$226.0M$179.8M
Interest on NOW, money market and savings accounts$46.0M$37.3M
Interest on time deposits$6.2M$15.4M
Interest on borrowings$4.6M$4.1M
Total interest expense$56.9M$56.8M
Net interest income$169.1M$123.0M
(Reversal of) provision for credit losses-$8.8M$21.7M
Net interest income after (reversal of) provision for credit losses$177.9M$101.3M
Gain (loss) on sale of loans$577.0K-$672.0K
Income from bank owned life insurance$2.3M$1.7M
Servicing and related income on loans, net$453.0K$307.0K
Loss on sale and disposal of fixed assets-$1.0K-$19.0K
Other charges and fees$3.1M$256.0K
Total noninterest income$11.1M$4.8M
Salaries and employee benefits$62.3M$49.8M
Occupancy and equipment$8.6M$7.2M
Data processing and communications$7.6M$5.8M
Legal, audit and professional$3.6M$2.6M
Regulatory assessments$2.3M$1.7M
Director and shareholder expenses$1.5M$1.4M
Merger and related expenses$0$16.3M
Intangible asset amortization$3.8M$1.9M
Litigation settlements, net$2.0M$0
Other real estate owned expenses$924.0K$5.2M
Other expenses$8.4M$5.8M
Total noninterest expense$101.0M$97.8M
Income before income taxes$88.0M$8.3M
Income tax expense$24.9M$2.8M
Net income$63.1M$5.4M
Basic (in dollars per share)$1.95$0.22
Diluted (in dollars per share)$1.93$0.22

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Corporate structure

California BanCorp \ CA sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of California BanCorp \ CA

  • California BanCorp \ CA San Diego, California

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What California BanCorp \ CA reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$22.5M4 Dec 31, 2025$22.3M4 Dec 31, 2024+1.1%
Accumulated depreciation$10.4M4 Dec 31, 2025$8.7M4 Dec 31, 2024+19.9%
Property and equipment, net$12.1M4 Dec 31, 2025$13.6M4 Dec 31, 2024−10.9%
Operating-lease assets (leased space)$15.1M4 Dec 31, 2025$14.3M4 Dec 31, 2024+5.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$399.9M4 Dec 31, 2025$388.2M4 Dec 31, 2024+3.0%
Loans, net of allowance$3.0B4 Dec 31, 2025$3.1B4 Dec 31, 2024−2.9%
Deposits held (banks)$3.4B4 Dec 31, 2025$3.4B4 Dec 31, 2024−0.8%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$110.9M4 Dec 31, 2025$111.8M4 Dec 31, 2024−0.8%
Intangible assets, net (excluding goodwill)$18.5M4 Dec 31, 2025$22.3M4 Dec 31, 2024−17.0%
Finite-lived intangibles, gross$27.1M4 Dec 31, 2025$27.1M4 Dec 31, 20240%
Accumulated amortization$8.7M4 Dec 31, 2025$4.9M4 Dec 31, 2024+77.9%
Finite-lived intangibles, net$18.5M4 Dec 31, 2025$22.3M4 Dec 31, 2024−17.0%

Properties, in its own words

Our principal executive offices are located in Del Mar, California. All of our branches are located in California. As of December 31, 2025, we operated from 19 locations throughout California, including 14 branch offices (seven of which also house community banking offices), four standalone community banking offices, and one administrative office. We own three of our branch offices and lease the remaining locations and believe that, if necessary, we could secure suitable alternative properties on similar terms without materially adversely affecting operations. All of our existing facilities are considered to be adequate for our present and anticipated future use. In the opinion of management, all properties are adequately covered by insurance. For information regarding our lease commitments, refer to Note 6 - Premises and Equipment and Leases to the Consolidated Financial Statements.

Item 2 of the 10-K filed Mar 13, 2026.3

Leadership

Who has led California BanCorp \ CA, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. David I. Rainer2023–2024
  2. Steven E. Shelton2024–now

Chair

  1. David I. Rainer2023–now

Chief financial officer

  1. Jean Carandang2023–2024
  2. Thomas J. Dolan2023
  3. Thomas G. Dolan2024–now

Chief operating officer

  1. Thomas J. Dolan2023
  2. Thomas G. Dolan2024
  3. Thomas A. Sa2024
  4. Michelle Wirfel2024–now
2025
Board members and other officers (21)

Former names

  • Southern California Bancorp \ CAJun 2, 2020 to Jul 29, 20242

Timeline

  1. Jul 27, 20268-K Results of operations; Regulation FD disclosure; Other events34
  2. May 28, 20268-K Executive or director change; Shareholder vote; Other events35
  3. May 5, 20268-K Regulation FD disclosure36
  4. Apr 28, 20268-K Results of operations; Regulation FD disclosure37
  5. Mar 12, 20268-K Other events38
  6. Feb 18, 20268-K Executive or director change39
  7. Jan 28, 20268-K Results of operations; Regulation FD disclosure40
  8. Jan 7, 20268-K Executive or director change; Regulation FD disclosure41
  9. Dec 8, 20258-K Other events42
  10. Oct 28, 20258-K Results of operations; Regulation FD disclosure43
  11. Aug 22, 20258-K Executive or director change44
  12. Jul 28, 20258-K Results of operations; Regulation FD disclosure45
  13. Aug 6, 2024New chief executive Steven E. Shelton becomes CEO9
  14. May 10, 2023New chief executive David I. Rainer becomes CEO10

Calendar

Coming up

  1. Oct 27, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.48 a share, on Oct 28, 2025.46

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results34
  2. Apr 28, 2026Reported quarterly or annual results37
  3. Jan 28, 2026Reported quarterly or annual results40
  4. Oct 28, 2025Reported quarterly or annual results43
  5. Jul 28, 2025Reported quarterly or annual results45
  6. Apr 24, 2025Reported quarterly or annual results47
  7. Feb 12, 2025Reported quarterly or annual results48
  8. Oct 29, 2024Reported quarterly or annual results49

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

352 filings to the SEC since October 2021: 3 annual reports, 11 quarterly reports, 37 major events, 233 insider forms, 17 large holders, 51 other. The latest 20:

  1. Sep 23, 20264 PRIMARY DOCUMENT EDGAR
  2. Sep 9, 20264 PRIMARY DOCUMENT EDGAR
  3. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  5. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 14, 2026SCHEDULE 13G/A EDGAR
  7. Aug 13, 2026SCHEDULE 13G/A EDGAR
  8. Aug 12, 2026144 EDGAR
  9. Aug 12, 20264 PRIMARY DOCUMENT EDGAR
  10. Aug 12, 20264 PRIMARY DOCUMENT EDGAR
  11. Aug 7, 202610-Q EDGAR
  12. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  13. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  14. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  15. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  16. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  17. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  18. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  19. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  20. Aug 3, 20264 PRIMARY DOCUMENT EDGAR

The 352 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

8 open-market trades by officers, directors and large owners since October 2021: 2 buys and 6 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 4, 2026Muller Frank L.DirectorBuy450$22.13$10.0KForm 4
Jul 31, 2026Machado LesterDirectorSale7,500$21.19$158.9KForm 4
May 8, 2026Hernandez RichardPresidentSale17,000$19.12$325.0KForm 4
May 7, 2026Rainer David IChairman and CEOSale75,000$19.00$1.4MForm 4
Mar 6, 2026Carandang JeanBank Chief Financial OfficerSale8,000$17.90$143.2KForm 4
Feb 3, 2026Volk David J.DirectorBuy27,000$18.64$503.3KForm 4
Jan 28, 2026Volk David J.DirectorSale2,346,104$18.95$44.5MForm 4
Aug 20, 2024Machado LesterDirectorSale10,000$14.37$143.7KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Wellington Management Group Llp2,447,278$51.0M0.0%−240,206
FJ Capital Management LLC2,054,534$42.8M5.6%No change
BlackRock, Inc.1,925,599$40.1M0.0%+467,195
Alliancebernstein L.P.1,952,131$34.6M0.0%−196,265
Endeavour Capital Advisors Inc1,655,639$34.5M7.1%−163,486
Vanguard Capital Management LLC1,104,260$23.0M0.0%+58,473
State Street Corp850,362$17.8M0.0%+80,312
Banc Funds Co LLC816,155$17.0M2.8%−15,000
Manufacturers Life Insurance Company, The791,794$16.5M0.0%−3,515
Geode Capital Management, LLC631,917$13.2M0.0%+76,111
Dimensional Fund Advisors LP630,055$13.1M0.0%+159,863
American Century Companies Inc591,957$12.3M0.0%+224,040
Kennedy Capital Management LLC441,542$9.2M0.2%+10,923
Algebris (uk) Ltd402,410$8.4M0.6%+275,937
Morgan Stanley302,926$6.3M0.0%+32,880
Elizabeth Park Capital Advisors, Ltd.279,630$5.8M4.0%+25,052
Mendon Capital Advisors Corp273,140$5.7M2.0%−131,229
Prudential Financial Inc254,651$5.3M0.0%+79,790
Stieven Capital Advisors, L.P.252,843$5.3M1.0%New
Curi Capital, LLC225,000$4.7M0.1%−121,665
Algert Global LLC223,529$4.7M0.1%+45,669
Vanguard Portfolio Management LLC222,304$4.6M0.0%+69,781
Northern Trust Corp221,501$4.6M0.0%+32,855
Bridgeway Capital Management, LLC213,457$4.4M0.1%+10,630
Petiole USA ltd189,804$4.0M2.8%−2,500

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How California BanCorp \ CA is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCalifornia BanCorp \ CA1
  • CIK0001795815
  • Employer ID (EIN)84-32883973
  • Filer statusAccelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inCalifornia3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address12265 El Camino Real, Suite 210, San Diego, CA 921301
  • Phone858-847-47871
  • Shares outstanding32,150,541 as of Aug 4, 20268
  • Public float$388.6M as of Jun 30, 20253
  • AuditorRSM US LLP, Los Angeles, California PCAOB ID 49; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceJun 2, 20201
  • Filings355 in all: 4 (197), 8-K (35), 3 (26), 10-Q (11), 425 (10), SCHEDULE 13G/A (9), 144 (7), 3/A (7)1
    All 34 form types

    ARS (4), CORRESP (4), DEF 14A (4), DEFA14A (4), 10-K (3), S-8 (3), SC 13G (3), SC 13G/A (3), SCHEDULE 13G (3), UPLOAD (3), 4/A (2), 8-K/A (2), D (2), 10-12B (1), 10-12B/A (1), 424B3 (1), 5 (1), CERT (1), DEFR14A (1), DRS (1), DRSLTR (1), EFFECT (1), NT 10-K (1), S-4 (1), S-4/A (1), SEC STAFF ACTION (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Apr 14, 2026
    Latest 8-K (8-K) Jul 27, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par value per shareBCALNasdaq

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).3

Risk factors and legal proceedings

The risks California BanCorp \ CA names in Item 1A of its 10-K filed Mar 13, 2026: 39 risks under these headings, as written.3

  • Economic, Market and Investment Risks
  • Risks Related to Lending and Credit
  • Liquidity and Capital Risks
  • Strategic and Competitive Risks
  • Regulatory and Compliance Risks
  • Technology Risks
  • Operational Risks
  • Risks Related to an Investment in our Common Stock
  • ECONOMIC, MARKET AND INVESTMENT RISKS
  • We may be adversely affected by the lack of soundness of other financial institutions
  • We face risks related to severe weather, natural disasters, acts of terrorism and global conflicts.
  • Our business is concentrated in California and we are particularly vulnerable to an economic downturn in our primary market area.
The other 36 risks
  • We have a significant number of loans secured by real estate, and a downturn in the local real estate market could negatively impact our profitability.
  • Interest rate shifts may affect net interest income and otherwise negatively impact our consolidated financial condition and consolidated results of operations.
  • RISKS RELATED TO LENDING AND CREDIT
  • Our loan portfolio exposes us to credit risk, but we may not be able to measure and limit our credit risk adequately, which could lead to unexpected losses.
  • Our allowance for credit losses may not be adequate to cover actual losses.
  • Regulatory policies regarding loans secured by commercial real estate could limit our ability to leverage our capital and adversely affect our growth and profitability.
  • We rely upon independent appraisals to determine the value of the real estate that secures a significant portion of our loans, and the values indicated by such appraisals may not be realizable if we are forced to foreclose upon such loans.
  • The small- to medium-sized businesses that we lend to may have fewer resources to weather adverse business developments, which may impair our borrowers’ ability to repay loans.
  • Our loan portfolio may be subject to increased concentration and volatility risks due to variability, driven by large relationship-based lending commitments.
  • Our construction and land development loans involve additional risks that could result in higher losses.
  • LIQUIDITY AND CAPITAL RISKS
  • Liquidity, primarily through deposits, is essential to our business. A lack of liquidity, or an increase in the cost of liquidity could materially impair our ability to fund our operations and jeopardize our consolidated financial condition, consolidated results of operation and cash flows.
  • We may need to raise additional capital, but additional capital may not be available.
  • We rely on the dividends and return of capital we receive from our bank subsidiary.
  • STRATEGIC AND COMPETITIVE RISKS
  • Our growth, expansion and any acquisitions we may pursue may strain our ability to manage our operations and financial resources.
  • We may experience goodwill impairment.
  • Our reputation is critical to the success of our business and our failure to maintain our reputation may materially adversely affect our performance.
  • New lines of business, products, product enhancements or services may subject us to additional risk.
  • Competition may limit our growth and profitability.
  • We rely heavily on our executive management team and other key personnel for our successful operation, and we could be adversely affected by the unexpected loss of their services.
  • REGULATORY AND COMPLIANCE RISKS
  • We operate in a highly regulated environment and the laws and regulations that govern our operations, corporate governance, executive compensation and accounting principles, or changes in them, or our failure to comply with them, could adversely affect us and our future growth.
  • We are subject to laws regarding the privacy, information security and protection of personal information and any violation of these laws could damage our reputation or otherwise adversely affect our business.
  • Our failure to comply with stringent capital requirements could result in regulatory criticism, requirements and restrictions.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • TECHNOLOGY RISKS
  • Failure to keep up with the rapid technological changes in the financial services industry could have an adverse effect on our competitive position and profitability.
  • System failure or breaches of our network security, including as a result of cyber-attacks or data security breaches, could subject us to increased operating costs as well as litigation and other liabilities.
  • The development and use of artificial intelligence presents risk and challenges that may adversely impact our business.
  • OPERATIONAL RISKS
  • Our enterprise risk management framework may not be effective in mitigating risk and reducing the potential for losses.
  • We are subject to certain operational risks, including, but not limited to, internal or external fraud and data processing system failures and errors.
  • We depend on the use of data and modeling in our management’s decision-making, and faulty data or modeling approaches could negatively impact our decision-making ability or possibly subject us to regulatory scrutiny in the future.
  • We may be subject to environmental liabilities in connection with the real properties we own and the foreclosure on real estate assets securing our loan portfolio.
  • We may fail to maintain effective internal controls over financial reporting.
  • We rely on third-party service providers for key aspects of our operations.
  • Climate change could have a material negative impact on us and our clients.
  • Our consolidated financial statements are based in part on assumptions and estimates which, if incorrect, could cause unexpected losses in the future.
  • RISKS RELATED TO AN INVESTMENT IN OUR COMMON STOCK
  • We may reduce or discontinue the payment of dividends on our common stock.
  • We are an emerging growth company, and the reduced regulatory and reporting requirements applicable to emerging growth companies may make our common stock less attractive to investors.
  • We may issue additional equity securities, or engage in other transactions, which could affect the priority of our common stock, which may adversely affect the market price of our common stock.

Legal proceedings

The Company and its subsidiaries are parties to various claims and lawsuits arising in the course of their normal business activities. Although the ultimate outcome of these suits cannot be ascertained at this time, it is the opinion of management that none of these matters, even if it resolved adversely to the Company, will have a material adverse effect on the Company’s consolidated financial position.

The opening of Item 3, Legal Proceedings.3

Sources

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