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California Bancorp Ca's Business Segments
California Bancorp Ca's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
2
Largest Segment
Deposit Account
Total Revenue
$ 44
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Deposit Account3.7%
- Interchange and ATM Income1.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 2 | 3.7% |
| Interchange and ATM Income | $ 1 | 1.3% |
Annual Results
Revenue Share by Reportable Segment - FY
- Deposit Account3.7%
- Interchange and ATM Income1.3%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Deposit Account | $ 2 | 3.7% |
| Interchange and ATM Income | $ 1 | 1.3% |
Description of California Bancorp Ca
California BanCorp, incorporated in 2019, is a bank holding company for California Bank of Commerce, N.A., a federally chartered bank regulated by the Office of the Comptroller of the Currency. The bank, originally founded in 2001 as Ramona National Bank, was renamed California Bank of Commerce, N.A. in 2024. It has a wholly owned subsidiary, BCAL OREO1, LLC, which holds real estate and assets acquired through foreclosure. The company provides financial products and services to individuals, professionals, and small to medium-sized businesses through 14 branch offices and 11 commercial banking offices across California. Lending products include construction and land development loans, commercial real estate loans, commercial and industrial loans, SBA loans, and consumer loans. Deposit products include demand accounts, money market accounts, certificates of deposit, and treasury management services. As of December 31, 2025, the company reported consolidated assets of $4.03 billion, loans of $3.06 billion, deposits of $3.37 billion, and shareholders’ equity of $576.6 million. The company has expanded through acquisitions, including the 2021 acquisition of Bank of Santa Clarita and the 2024 merger with California BanCorp, enhancing its commercial banking presence in California.
California Bancorp offers a range of financial services that cater to the needs of individuals, businesses, and institutions throughout California. Their product offerings encompass a variety of banking, lending, and investment services aimed at enhancing customer experience and meeting diverse financial needs. The following segments, products, and services are provided by California Bancorp:
1. Commercial Banking
This segment targets businesses seeking robust banking solutions to support their operations, growth, and financial needs.
a. Business Checking Accounts
California Bancorp offers a variety of checking accounts tailored to the needs of different business sizes and types. Features may include no monthly fees, online banking, mobile deposit, and convenient access to funds.
b. Business Savings Accounts
These accounts provide businesses with options to grow their reserves while maintaining liquidity. Interest rates can vary based on balance and account type.
c. Treasury Management Services
These services help businesses manage their cash flow efficiently. Options may include account reconciliation, fraud prevention, payment processing solutions, and cash concentration services.
Lending Solutions
California Bancorp provides a wide array of lending products designed to support both personal and business financing needs.
a. Commercial Loans
This includes term loans, lines of credit, and equipment financing to assist businesses in acquiring necessary capital for expansion, operational costs, or equipment purchase.
b. Small Business Administration (SBA) Loans
These loans are aimed at supporting small businesses through favorable lending terms. Options may include 7(a) loans and 504 loans, designed to facilitate startup capital or real estate purchases.
c. Real Estate Loans
California Bancorp offers various real estate financing options for businesses and individuals, including commercial real estate loans, construction loans, and home mortgages.
Retail Banking
Targeting individual customers, California Bancorps retail banking services provide essential banking tools for personal financial management.
a. Personal Checking and Savings Accounts
A variety of accounts are offered, including basic checking, high-yield savings, and certificates of deposit (CDs), which allow customers to earn interest on their deposits.
b. Mortgages and Home Equity Lines of Credit
These products are tailored to assist homeowners in purchasing a new home or accessing equity in their existing property for renovations, education funding, or debt consolidation.
c. Credit Cards
California Bancorp issues credit cards that may offer rewards, cashback options, and low-interest rates, helping individuals manage their finances and make purchases efficiently.
Wealth Management and Investment Services
This segment is designed for customers looking for comprehensive investment advice, retirement planning, and estate management.
a. Investment Advisory Services
Tailored investment strategies are designed to align with clients financial goals, risk tolerance, and time horizon. This includes asset allocation, portfolio management, and financial planning.
b. Retirement Planning Solutions
California Bancorp provides assistance with creating retirement plans, including IRAs and employer-sponsored plans like 401(k)s, with a focus on long-term wealth preservation.
c. Trust and Estate Services
These services support clients in managing their estates, providing guidance on wills, trusts, and estate distributions to ensure that clients wishes are honored and tax implications are minimized.
Digital Banking Solutions
Emphasizing convenience and technology, California Bancorp offers a suite of digital banking services that enhance customer engagement.
a. Online and Mobile Banking
Customers have access to seamless online banking platforms and mobile applications that allow for easy management of accounts, bill payments, and money transfers.
b. Cybersecurity Services
To protect customers financial information, California Bancorp may offer robust security services, including fraud monitoring and identity theft protection.
Community Engagement and Support
California Bancorp is committed to fostering community growth and providing financial education. This includes:
a. Financial Literacy Programs
Educational workshops and seminars aimed at improving community knowledge of personal finance, budgeting, and responsible borrowing.
b. Community Banking Initiatives
Partnerships with local organizations to promote economic development and support local businesses through community-focused lending practices.
Conclusion
California Bancorp is dedicated to delivering a well-rounded suite of banking products and services, enhancing customer satisfaction and financial well-being. Their strategic focus on commercial and retail banking, comprehensive lending solutions, as well as investment and wealth management services demonstrates their commitment to supporting the diverse needs of Californias population and businesses.
1. Commercial Banking
This segment targets businesses seeking robust banking solutions to support their operations, growth, and financial needs.
a. Business Checking Accounts
California Bancorp offers a variety of checking accounts tailored to the needs of different business sizes and types. Features may include no monthly fees, online banking, mobile deposit, and convenient access to funds.
b. Business Savings Accounts
These accounts provide businesses with options to grow their reserves while maintaining liquidity. Interest rates can vary based on balance and account type.
c. Treasury Management Services
These services help businesses manage their cash flow efficiently. Options may include account reconciliation, fraud prevention, payment processing solutions, and cash concentration services.
Lending Solutions
California Bancorp provides a wide array of lending products designed to support both personal and business financing needs.
a. Commercial Loans
This includes term loans, lines of credit, and equipment financing to assist businesses in acquiring necessary capital for expansion, operational costs, or equipment purchase.
b. Small Business Administration (SBA) Loans
These loans are aimed at supporting small businesses through favorable lending terms. Options may include 7(a) loans and 504 loans, designed to facilitate startup capital or real estate purchases.
c. Real Estate Loans
California Bancorp offers various real estate financing options for businesses and individuals, including commercial real estate loans, construction loans, and home mortgages.
Retail Banking
Targeting individual customers, California Bancorps retail banking services provide essential banking tools for personal financial management.
a. Personal Checking and Savings Accounts
A variety of accounts are offered, including basic checking, high-yield savings, and certificates of deposit (CDs), which allow customers to earn interest on their deposits.
b. Mortgages and Home Equity Lines of Credit
These products are tailored to assist homeowners in purchasing a new home or accessing equity in their existing property for renovations, education funding, or debt consolidation.
c. Credit Cards
California Bancorp issues credit cards that may offer rewards, cashback options, and low-interest rates, helping individuals manage their finances and make purchases efficiently.
Wealth Management and Investment Services
This segment is designed for customers looking for comprehensive investment advice, retirement planning, and estate management.
a. Investment Advisory Services
Tailored investment strategies are designed to align with clients financial goals, risk tolerance, and time horizon. This includes asset allocation, portfolio management, and financial planning.
b. Retirement Planning Solutions
California Bancorp provides assistance with creating retirement plans, including IRAs and employer-sponsored plans like 401(k)s, with a focus on long-term wealth preservation.
c. Trust and Estate Services
These services support clients in managing their estates, providing guidance on wills, trusts, and estate distributions to ensure that clients wishes are honored and tax implications are minimized.
Digital Banking Solutions
Emphasizing convenience and technology, California Bancorp offers a suite of digital banking services that enhance customer engagement.
a. Online and Mobile Banking
Customers have access to seamless online banking platforms and mobile applications that allow for easy management of accounts, bill payments, and money transfers.
b. Cybersecurity Services
To protect customers financial information, California Bancorp may offer robust security services, including fraud monitoring and identity theft protection.
Community Engagement and Support
California Bancorp is committed to fostering community growth and providing financial education. This includes:
a. Financial Literacy Programs
Educational workshops and seminars aimed at improving community knowledge of personal finance, budgeting, and responsible borrowing.
b. Community Banking Initiatives
Partnerships with local organizations to promote economic development and support local businesses through community-focused lending practices.
Conclusion
California Bancorp is dedicated to delivering a well-rounded suite of banking products and services, enhancing customer satisfaction and financial well-being. Their strategic focus on commercial and retail banking, comprehensive lending solutions, as well as investment and wealth management services demonstrates their commitment to supporting the diverse needs of Californias population and businesses.