← BCAL
BCAL— California BanCorp CA
FinancialsNational Commercial Banks
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Interest and fees on loans | $195.9M+22.5% | $160.0M+40.4% | $114.0M+31.9% | $86.4M |
| Interest on debt securities | $7.8M+34.2% | $5.8M+66.6% | $3.5M+73.7% | $2.0M |
| Interest on tax-exempted debt securities | $1.2M-1.1% | $1.2M-26.1% | $1.7M+20.6% | $1.4M |
| Interest on deposits at other financial institutions | $18.7M+69.8% | $11.0M+228.0% | $3.4M+15.9% | $2.9M |
| Interest and dividends on other interest-earning assets | $2.3M+31.5% | $1.8M+67.3% | $1.1M+14.4% | $928K |
| Total interest and dividend income | $226.0M+25.7% | $179.8M+45.6% | $123.5M+32.0% | $93.6M |
| Interest on NOW, money market and savings accounts | $46.0M+23.3% | $37.3M+85.2% | $20.2M+431.5% | $3.8M |
| Interest on time deposits | $6.2M-59.7% | $15.4M+130.2% | $6.7M+741.2% | $797K |
| Interest on borrowings | $4.6M+14.2% | $4.1M+60.9% | $2.5M+110.1% | $1.2M |
| Total interest expense | $56.9M+0.1% | $56.8M+93.4% | $29.4M+407.6% | $5.8M |
| Net interest income | $169.1M+37.5% | $123.0M+30.6% | $94.1M+7.2% | $87.8M |
| (Reversal of) provision for credit losses | -$8.8M-140.7% | $21.7M+2270.5% | $915K-84.6% | $6.0M |
| Net interest income after (reversal of) provision for credit losses | $177.9M+75.6% | $101.3M+8.7% | $93.2M+13.9% | $81.8M |
| Gain (loss) on sale of loans | $577K+185.9% | -$672K-180.9% | $831K-38.4% | $1.3M |
| Income from bank owned life insurance | $2.3M+33.6% | $1.7M+84.8% | $946K-36.5% | $1.5M |
| Servicing and related income on loans, net | $453K+47.6% | $307K+27.9% | $240K+25.0% | $192K |
| Loss on sale and disposal of fixed assets | -$1K+94.7% | -$19K | $0+100.0% | -$768K |
| Other charges and fees | $3.1M+1130.5% | $256K-34.4% | $390K-36.1% | $610K |
| Total noninterest income | $11.1M+132.9% | $4.8M+40.9% | $3.4M-8.1% | $3.7M |
| Salaries and employee benefits | $62.3M+25.0% | $49.8M+27.0% | $39.2M+5.9% | $37.1M |
| Occupancy and equipment | $8.6M+18.8% | $7.2M+16.2% | $6.2M+0.3% | $6.2M |
| Data processing and communications | $7.6M+30.5% | $5.8M+28.6% | $4.5M-1.6% | $4.6M |
| Legal, audit and professional | $3.6M+42.5% | $2.6M-20.3% | $3.2M+23.6% | $2.6M |
| Regulatory assessments | $2.3M+33.1% | $1.7M+13.7% | $1.5M-2.7% | $1.6M |
| Director and shareholder expenses | $1.5M+3.8% | $1.4M+66.1% | $849K-10.3% | $946K |
| Merger and related expenses | $0-100.0% | $16.3M | $0-100.0% | $1.2M |
| Intangible asset amortization | $3.8M+102.0% | $1.9M+382.5% | $389K-11.2% | $438K |
| Litigation settlements, net | $2.0M | $0 | — | $5.5M |
| Other real estate owned expenses | $924K-82.4% | $5.2M | $0 | — |
| Other expenses | $8.4M+45.5% | $5.8M+53.1% | $3.8M+11.0% | $3.4M |
| Total noninterest expense | $101.0M+3.3% | $97.8M+63.7% | $59.7M-5.9% | $63.5M |
| Income before income taxes | $88.0M+964.5% | $8.3M-77.6% | $36.9M+67.7% | $22.0M |
| Income tax expense | $24.9M+779.8% | $2.8M-74.1% | $10.9M+86.5% | $5.9M |
| Net income | $63.1M+1060.6% | $5.4M-79.0% | $25.9M+60.8% | $16.1M |
| Basic (in dollars per share) | $2K+786.4% | $220-84.5% | $1K+57.8% | $900 |
| Diluted (in dollars per share) | $2K+777.3% | $220-84.2% | $1K+58.0% | $880 |
| Service charges and fees on deposit accounts | ||||
| Revenue | $1.4M+35.4% | $1.0M-14.0% | $1.2M+53.7% | $782K |
| Interchange and ATM income | ||||
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.