California BanCorp reported third-quarter 2026 net income of $14.0 million and $0.43 per diluted share, while total loans reached $3.16 billion and deposits $3.48 billion at September 30, 2026. Provision for credit losses rose to $3.2 million.
BCAL · California BanCorp CA
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Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
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Technicals
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Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average cost of total borrowings | 8.1% | the three months ended June 30, 2026 filing | — |
| Average noninterest-bearing demand deposits | $1.22B | the three months ended June 30, 2026 filing | — |
| Average noninterest-bearing deposits as percentage of average total deposits | 36.7% | three months ended June 30, 2026 filing | — |
| Average tangible common equity non-GAAP | $454.5M | Three Months Ended June 30, 2026 filing | — |
| Cost of deposits | 1.31% | Three Months Ended June 30, 2026 filing | — |
| Cost of funds | 1.38% | three months ended June 30, 2026 filing | — |
| Efficiency ratio | 54.2% | Three months ended June 30, 2026 filing | -3.4% |
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| Efficiency ratio (non-GAAP) non-GAAP | 54.22% | Three months ended June 30, 2026 filing | — |
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| Modified loans to borrowers experiencing financial difficulty | 17.54M | Three Months Ended June 30, 2026 filing | — |
| Net interest margin | 4.71% | three months ended June 30, 2026 filing | — |
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| Pre-tax pre-provision income non-GAAP | $20.56M | Three Months Ended June 30, 2026 filing | — |
| Yield on average total loans | 6.34% | three months ended June 30, 2026 filing | — |
| Yield on total average earning assets | 5.97% | three months ended June 30, 2026 filing | — |
| Yield on total debt securities | 4.36% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BCAL
this stock
California BanCorp CA
|
$713.42M | +15.8% | — | 12.1 | 3.0% |
|
HDB
Hdfc Bank Ltd
|
$125.16B | -32.4% | -3.2% | — | 0.8% |
|
MFG
Mizuho Financial Group Inc
|
$118.31B | +28.3% | — | — | 0.0% |
|
IBN
Icici Bank Ltd
|
$112.24B | +9.2% | — | — | 0.6% |
|
USB
US Bancorp De
|
$93.10B | +12.0% | +4.4% | 11.7 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every section- Filed
- Oct 28, 2026
- This year
- 15
California BanCorp reported third-quarter 2026 net income of $14.0 million and $0.43 per diluted share, while total loans reached $3.16 billion and deposits $3.48 billion at September 30, 2026. Provision for credit losses rose to $3.2 million.
ViewPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BCAL | +0.8% | +0.2% | +16.2% | +0.7% | +15.8% |
| SPY | -4.7% | -5.3% | -0.8% | -3.0% | +7.5% |
| vs SPY | +5.6% | +5.5% | +17.1% | +3.7% | +8.3% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.