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California BanCorp
California BanCorp (BCAL) investor relations material
California BanCorp has been acquired
California BanCorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary28 Jan, 2026
Executive summary
Net income reached $16.4 million for Q4 2025 and $63.1 million for the full year, a significant increase from $5.4 million in 2024, reflecting a transformational year post-merger and balance sheet restructuring.
The company improved its credit profile by reducing high-risk loans and brokered deposits, focusing on core deposit growth and organic expansion.
Shareholder value was enhanced through stock repurchases and the initiation of a quarterly dividend.
Financial highlights
Q4 2025 net income: $16.4 million ($0.50/diluted share), up from $15.7 million in Q3 2025 and slightly down from $16.8 million in Q4 2024.
Full year 2025 net income: $63.1 million ($1.93/diluted share), up from $5.4 million ($0.22/diluted share) in 2024.
Net interest margin for Q4 2025 was 4.44%, down from 4.52% in Q3 2025; full year margin was 4.55%, up from 4.28% in 2024.
Reversal of provision for credit losses: $4.4 million in Q4 2025 and $8.8 million for the year, compared to a $21.7 million provision in 2024.
Return on average assets for 2025 was 1.57% (0.18% in 2024); return on average common equity was 11.56% (1.43% in 2024).
Outlook and guidance
Management expects continued organic growth in loans and deposits, leveraging a relationship-based business model and expanded market footprint.
The company is positioned to capitalize on market disruption from M&A activity and plans to opportunistically add talent.
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Frequently asked questions
California BanCorp is the holding company for California Bank of Commerce, which offers a range of commercial banking services primarily to small and medium-sized businesses, as well as professionals in Northern California. The bank provides various deposit products, including commercial checking, savings, and money market accounts, along with business loans, lines of credit, and cash management services. The company caters to sectors such as manufacturing, professional services, and real estate. California BanCorp is headquartered in Oakland, California, and its shares are listed on the NASDAQ.
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