California BanCorp \ CA: management transactions · United States · SEC (Form 4)

About California BanCorp \ CA

California BanCorp (NASDAQ: BCAL) is a U.S.-listed bank holding company based in the United States, with its shares trading on the NASDAQ market. The company is the parent of California Bank of Commerce, N.A., which is its wholly owned banking subsidiary. In strategic terms, BCAL is a California-focused commercial bank platform serving entrepreneurs, small and medium-sized businesses, and middle-market clients across the state. The company was incorporated in California on October 2, 2019, and its growth profile has been shaped by a series of acquisitions and integrations that expanded both its footprint and operating scale. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001795815/000179581526000005/bcal-20251231.htm?utm_source=openai)) Headquartered in San Diego, California, California BanCorp operates with a branch and relationship-banking presence throughout California. Its franchise is rooted in commercial banking, with a product set centered on business loans, deposits, treasury management, and day-to-day banking solutions for operating companies and their owners. The model is that of a relationship-driven regional bank rather than a national universal bank: it aims to leverage local market knowledge, credit discipline, and personal service to win and retain clients. That positioning is especially relevant in California, where the economy is large, diverse, and highly competitive, but also offers a deep pool of business formation and lending opportunities. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1795815/000179581526000005/bcal-20251231.htm?utm_source=openai)) The company’s recent history shows a clear focus on brand consolidation and scale-building. The bank adopted the California Bank of Commerce name on July 31, 2024, reflecting a more unified identity in its core market. Management has also emphasized the successful completion and integration of its 2024 merger, which helped extend the franchise across California’s key banking markets. As of December 31, 2025, California BanCorp reported consolidated assets of approximately $4.03 billion, placing it in the category of meaningful regional players on the U.S. West Coast. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001795815/000179581526000005/bcal-20251231.htm?utm_source=openai)) From a competitive standpoint, BCAL operates in a crowded environment where differentiation depends on local relationships, service quality, underwriting discipline, and operational efficiency. Its California focus is both an advantage and a source of concentration risk: the state offers scale and economic diversity, but regional banks must compete against larger super-regional and national institutions as well as smaller niche lenders. California BanCorp highlights its community orientation through local nonprofit support, regional advisory boards, and customer relationships tied to deposits, lending, and CRA-related activity. That community banking angle is an important part of its market identity. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1795815/000179581526000005/bcal-20251231.htm?utm_source=openai)) Recent developments have been constructive. In January 2026, the company reported net income of $63.1 million for full-year 2025, up sharply from the prior year, and management described 2025 as a transformational year following the merger integration. The company also repurchased shares during 2025, indicating active capital management and confidence in the franchise. For investors, California BanCorp is best understood as a California regional bank story: a NASDAQ-listed U.S. institution with a commercial-banking focus, a growing footprint, and a thesis tied to integration execution, loan growth, and continued improvement in profitability. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1795815/000149315226003886/ex99-1.htm?utm_source=openai))