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California BanCorp (BCAL) investor relations material
California BanCorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Completed an all-stock merger in July 2024, expanding into Northern California and enhancing scale, market share, and product offerings.
Net income for Q2 2025 was $14.1M ($0.43/share), up from $0.2M in Q2 2024, driven by higher net interest income and lower credit loss provisions.
Five-year asset CAGR of 20.7% and deposit CAGR of 23.4% as of June 30, 2025, with total assets reaching $4.0B and deposits at $3.3B.
Focused on relationship-based commercial banking, with a seasoned management team and scalable, efficient business model.
Maintains a strong capital position, exceeding regulatory requirements for well-capitalized banks.
Financial highlights
Net interest income for Q2 2025 was $41.4M, with a net interest margin of 4.61%; efficiency ratio improved to 56.1%.
Return on average assets was 1.45% in Q2 2025; return on average equity was 10.5%.
Noninterest income rose to $2.9M, mainly from higher service charges, fees, and equity investment income.
Noninterest expense was $24.8M, reflecting higher salaries, benefits, and merger-related amortization.
Net charge-offs were $4.1M in Q2 2025, mainly from derisking the loan portfolio.
Outlook and guidance
Emphasizes organic loan and deposit growth in California's largest business banking markets.
Sponsor Finance portfolio expected to run off by year-end, further reducing credit risk.
Management expects stable net interest margins in the short term, but notes potential margin pressure if rate cuts occur.
Prudent underwriting, strong liquidity, and disciplined capital management remain priorities.
Monitoring macroeconomic variables, including inflation, interest rates, and potential economic slowdown in California.
Explain the strategy to derisk the balance sheet.
What drove the $862k loss on OREO sale?
What is the outlook on client operations?
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Next California BanCorp earnings date
Q3 202528 Oct, 2025
Next California BanCorp earnings date
Q3 202528 Oct, 2025
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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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