California BanCorp. (BCAL)

California BanCorp. Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	203.28	159.96	113.95	86.37	66.21	50.48
Interest Income on Investments	29.08	19.84	9.57	7.21	1.56	1.34
Total Interest Income	232.36	179.8	123.52	93.58	67.77	51.82
Interest Paid on Deposits	56.31	52.76	26.87	4.59	2.05	3.88
Interest Paid on Borrowings	5.32	4.05	2.52	1.2	1.31	1.99
Total Interest Expense	61.63	56.81	29.38	5.79	3.36	5.87
Net Interest Income	170.73	122.98	94.14	87.79	64.41	45.95
Net Interest Income Growth (YoY)	69.03%	30.64%	7.24%	36.29%	40.19%	48.91%
Gain (Loss) on Sale of Assets	-0	-0.02	-	-0.77	-0	-0.09
Gain (Loss) on Sale of Investments	-	-	-0.97	-0.99	0.05	0.57
Other Non-Interest Income	5.91	2.98	2.32	3.07	2.73	1.25
Total Non-Interest Income	8.73	4.39	3.38	3.68	4.51	2.3
Non-Interest Income Growth (YoY)	138.81%	29.98%	-8.05%	-18.59%	96.60%	17.49%
Revenues Before Loan Losses	179.45	127.38	97.52	91.46	68.93	48.24
Provision for Loan Losses	-8.26	21.69	0.92	5.96	1.2	4.55
Revenue	187.71	105.69	96.6	85.51	67.73	43.69
Revenue Growth (YoY)	139.71%	9.40%	12.98%	26.25%	55.02%	37.35%
Salaries and Employee Benefits	55.7	43.6	34.73	33.39	29.38	19.04
Occupancy Expenses	5.01	3.64	3.2	3.46	3.12	1.47
Amortization of Goodwill & Intangibles	3.9	1.88	0.39	0.44	0.36	0.39
Selling, General & Administrative	21.21	18.27	16.01	14.58	14.33	9.82
Other Non-Interest Expense	10.27	7.49	5.28	4.95	3.9	3.96
Total Non-Interest Expense	97.24	80.13	59.61	56.82	51.09	34.67
EBT Excluding Unusual Items	90.48	25.56	36.99	28.69	16.64	9.02
Asset Writedown	-0.08	-0.08	-0.13	-	-	-
Legal Settlements	-	-	-	-5.53	-	-
Other Unusual Items	-1.3	-1.3	-	-	-	-
Pretax Income	88.82	8.26	36.86	21.98	14.19	6.77
Income Tax Expense	25.41	2.83	10.95	5.87	3.48	2.05
Net Income	63.41	5.43	25.91	16.11	10.71	4.72
Net Income to Common	63.41	5.43	25.91	16.11	10.71	4.72
Net Income Growth	-	-79.03%	60.80%	50.46%	126.79%	-30.28%
Basic Shares Outstanding	32	24	18	18	14	9
Diluted Shares Outstanding	33	25	19	18	15	10
Shares Change (YoY)	58.97%	31.98%	2.35%	22.23%	53.73%	12.38%
EPS (Basic)	1.95	0.22	1.42	0.90	0.74	0.50
EPS (Diluted)	1.92	0.22	1.39	0.88	0.72	0.49
EPS Growth	-	-84.17%	57.95%	22.22%	46.94%	-37.18%
Effective Tax Rate	28.61%	34.25%	29.70%	26.70%	24.51%	30.23%

Updated Oct 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q