The bank maintains a conservative capital structure with an equity-to-assets ratio of 0.14, providing a necessary buffer against regional credit concentration risks.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 |
|---|
| Cash & Short Term Investments | 823.6M | 286.9M | 202.47M | 163.04M | 172.88M | 78M | 36.65M | 26.24M | -13.53M | -7.38M | -6.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.53M | 15.05M | 9.61M |
| Cash & Due from Banks | 56.39M | 52.01M | 60.47M | 33.01M | 60.3M | 22.43M | 11.95M | 9.9M | -13.53M | -7.38M | -6.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.53M | 15.05M | 9.61M |
| Short Term Investments | 298.62M | 234.89M | 142M | 130.03M | 112.58M | 55.57M | 24.7M | 16.34M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 298.62M | 234.89M | 3.3B | 2.13B | 2.06B | 1.55B | 1.25B | 687.63M | 6.23M | 3.26M | 2.85M | 2.49M | 0 | 0 | 0 | 17.74M | 8.41M | 11.19M | 771.8K | 58.48M | 40.73M | 34.96M |
| Investments Growth % | -131.81% | -92.88% | 55.28% | 3.39% | 32.77% | 24.06% | 81.54% | 10941.02% | 91.08% | 14.34% | 14.61% | - | - | - | -100% | 110.81% | -24.8% | 1349.85% | -98.68% | 43.56% | 16.52% | - |
| Long-Term Investments | 6.41B | 0 | 3.16B | 2B | 1.94B | 1.49B | 1.22B | 671.29M | 6.23M | 3.26M | 2.85M | 2.49M | 0 | 0 | 0 | 17.74M | 8.41M | 11.19M | 771.8K | 58.48M | 40.73M | 34.96M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 465K | 0 | 0 |
| Goodwill & Intangibles | 128.61M | 129.41M | 134.06M | 39M | 39.39M | 38.81M | 21.6M | 0 | 18.88M | 1.4M | 1.49M | 1.64M | 1.79M | 0 | 0 | 1.12M | 1.2M | 0 | 0 | 465K | 0 | 0 |
| Goodwill | 110.93M | 110.93M | 111.79M | 37.8M | 37.8M | 36.78M | 19.72M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.12M | 696.37K | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 17.68M | 18.48M | 22.27M | 1.2M | 1.58M | 2.02M | 1.88M | 0 | 18.88M | 1.4M | 1.49M | 1.64M | 1.79M | 0 | 0 | 0 | 504.48K | 0 | 0 | 465K | 0 | 0 |
| PP&E (Net) | 46.63M | 27.21M | 27.95M | 22.56M | 22.94M | 27.71M | 15.05M | 9.47M | 5.01M | 4.56M | 4.23M | 4.25M | 4.3M | 2.65M | 1.1M | 962.05K | 1.15M | 826.01K | 1.05M | 1.16M | 354K | 471.08K |
| Other Assets | 0 | -10.1M | 464.97M | 128.68M | 94.38M | 617.19M | 275.82M | 104.74M | 666.88M | 428.45M | 345.08M | 299.14M | 244.98M | -5.2M | -3.21M | 141.61M | 153.51M | 79.74M | 87.54M | 9.44M | 9.02M | 3.7M |
| Total Current Assets | 355.01M | 286.9M | 202.47M | 163.04M | 172.88M | 78M | 36.65M | 26.24M | 68.94M | 41.2M | 69.78M | 36.81M | 63.79M | 0 | 0 | 26.05M | 15.67M | 19.74M | 9.96M | 4M | 15.05M | 9.61M |
| Total Non-Current Assets | 175.24M | 175.56M | 3.83B | 2.2B | 2.11B | 2.18B | 1.54B | 803.95M | 700.07M | 439.06M | 355.27M | 307.52M | 254.47M | 0 | 0 | 162.15M | 164.28M | 91.76M | 89.36M | 68.86M | 50.11M | 39.13M |
| Total Assets | 4.05B | 4.03B | 4.03B | 2.36B | 2.28B | 2.27B | 1.58B | 833.29M | 769.01M | 480.26M | 425.05M | 344.33M | 318.27M | 202.11M | 189.32M | 188.21M | 179.95M | 111.5M | 99.33M | 73.14M | 65.16M | 48.74M |
| Asset Growth % | 68.07% | 0.04% | 70.81% | 3.34% | 0.8% | 43.49% | 89.49% | 8.36% | 60.12% | 12.99% | 23.44% | 8.19% | 57.47% | 6.75% | 0.59% | 4.59% | 61.39% | 12.26% | 35.81% | 12.23% | 33.69% | - |
| Return on Assets (ROA) | 1.49% | 1.56% | 0.17% | 1.12% | 0.71% | 0.56% | 0.39% | 0.85% | 0.84% | 0.88% | 0.78% | 0.58% | 1.56% | 0.63% | 0.6% | 0.58% | -0.47% | -0.92% | -6.72% | -0.39% | -2.79% | -1.07% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30K | 0 | 0 |
| Total Debt | 53.41M | 71.7M | 88.03M | 114.98M | 78.83M | 29.41M | 39.66M | 35.02M | 35M | 20M | 0 | 7.5M | 0 | 12.5M | 1M | 1M | 4M | 4M | 7M | 0 | 0 | 0 |
| Net Debt | -2.98M | 19.69M | 27.56M | 81.97M | 18.53M | 6.98M | 27.71M | 25.12M | 48.53M | 27.38M | 6.2M | 7.5M | 0 | 12.5M | 1M | 1M | 4M | 4M | 7M | -3.53M | -15.05M | -9.61M |
| Long-Term Debt | 34.22M | 52.77M | 69.72M | 102.86M | 67.77M | 20.41M | 30.27M | 30M | 20M | 0 | 0 | 0 | 0 | 0 | 0 | 1M | 4M | 4M | 7M | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15M | 20M | 0 | 7.5M | 0 | 12.5M | 1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 24.01M | -71.7M | 33.02M | 13.56M | 12.84M | 10.83M | 175.76M | 2.73M | 3.77M | 235.86M | 196.93M | 117.41M | 50.05M | -228K | -296K | 100K | 33.57M | 32.15M | 30.18M | 923K | 439K | 217.32K |
| Total Current Liabilities | 3.39B | 1.18B | 3.4B | 1.94B | 1.93B | 1.97B | 1.19B | 671.91M | 239.95M | 193.96M | 182.53M | 189.41M | 233.73M | 0 | 0 | 163.52M | 123.03M | 55.17M | 45M | 49.58M | 42.01M | 42.33M |
| Total Non-Current Liabilities | 77.41M | 0 | 121.06M | 128.54M | 91.67M | 40.24M | 215.42M | 37.75M | 427.7M | 236.61M | 197.9M | 117.41M | 50.94M | 0 | 0 | 1.33M | 37.57M | 36.15M | 37.18M | 923K | 439K | 217.32K |
| Total Liabilities | 3.47B | 3.46B | 3.52B | 2.07B | 2.02B | 2.02B | 1.41B | 712.77M | 667.65M | 430.57M | 380.43M | 306.82M | 284.66M | 177.66M | 166.01M | 164.86M | 160.6M | 91.32M | 82.18M | 50.5M | 42.45M | 42.55M |
| Total Equity | 577.84M | 576.59M | 511.84M | 288.15M | 260.36M | 246.53M | 168.88M | 120.52M | 101.36M | 49.7M | 44.62M | 37.51M | 33.6M | 24.45M | 23.32M | 23.35M | 19.35M | 20.18M | 17.15M | 22.64M | 22.72M | 6.2M |
| Equity Growth % | 121.53% | 12.65% | 77.63% | 10.68% | 5.61% | 45.97% | 40.13% | 18.91% | 103.95% | 11.38% | 18.95% | 11.63% | 37.45% | 4.85% | -0.13% | 20.63% | -4.1% | 17.7% | -24.25% | -0.35% | 266.64% | - |
| Equity / Assets (Capital Ratio) | 14.27% | 14.3% | 12.7% | 12.21% | 11.4% | 10.88% | 10.7% | 14.46% | 13.18% | 10.35% | 10.5% | 10.89% | 10.56% | 12.1% | 12.32% | 12.4% | 10.76% | 18.1% | 17.26% | 30.95% | 34.86% | 12.71% |
| Return on Equity (ROE) | 10.59% | 11.59% | 1.36% | 9.45% | 6.36% | 5.16% | 3.26% | 6.11% | 6.96% | 8.41% | 7.33% | 5.38% | 14.02% | 5.14% | 4.88% | 4.96% | -3.43% | -5.18% | -29.12% | -1.19% | -11% | -8.45% |
| Book Value per Share | 17.68 | 17.61 | 20.79 | 15.44 | 14.28 | 16.53 | 17.41 | 13.96 | 13.77 | 9.27 | 10.26 | 8.78 | 9.99 | 7.48 | 7.14 | 7.84 | 7.32 | 7.63 | 6.49 | 3.23 | 16.50 | 7.41 |
| Tangible BV per Share | 13.75 | 13.66 | 15.34 | 13.35 | 12.12 | 13.93 | 15.18 | 13.96 | 11.20 | 9.01 | 9.92 | 8.40 | 9.46 | 7.48 | 7.14 | 7.46 | 6.87 | 7.63 | 6.49 | 3.17 | 16.50 | 7.41 |
| Common Stock | 435.25M | 442.39M | 442.47M | 222.04M | 218.28M | 214.16M | 146.9M | 103.25M | 42.04M | 26.12M | 25.7M | 21.54M | 20.1M | 16.34M | 16.32M | 16.32M | 13.22M | 13.22M | 13.22M | 13.21M | 13.21M | 4.18M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 18.65M | 17.96M | 0 | 14.39M | 0 | 13.05M | 13.08M | 13.27M | 0 | 13.38M | 13.26M | 13.16M | 4.08M |
| Retained Earnings | 146.35M | 135.81M | 76.01M | 70.58M | 48.52M | 32.4M | 21.69M | 16.97M | 10.2M | 4.94M | 975.73K | -2.03M | -3.95M | -8.02M | -9.24M | -10.34M | -11.4M | -10.69M | -9.7M | -3.9M | -3.64M | -2.05M |
| Accumulated OCI | -3.77M | -1.62M | -6.64M | -4.46M | -6.44M | -38K | 295K | 302.71K | -51.12K | -12.69K | -16.79K | -9.2K | 12.17K | -7.5K | 168.21K | 4.69K | 14.66K | 25.39K | 250.63K | 72K | -12K | -21.44K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.05M | 3.05M | 3.04M | 3.03M | 4.28M | 4.25M | 4.21M | 0 | 0 | 0 | 0 |
California CRE concentration risk
As reported in recent financial statements, BCAL's total assets have stabilized at approximately $4.0 billion following the significant expansion observed in 2024, suggesting that the bank is currently prioritizing the integration of its enlarged footprint over further aggressive balance sheet growth in the current cycle.
The transition from a $2.3 billion asset base in early 2024 to a $4.0 billion base indicates a successful inorganic expansion strategy. However, the lack of subsequent asset growth suggests that management is now focused on optimizing the existing portfolio rather than pursuing rapid market share gains.
Based on the provided quarterly data, BCAL maintains an equity-to-assets ratio of approximately 0.14, which suggests a stable capital buffer that appears sufficient to support current operations while providing a modest cushion against potential credit volatility within its concentrated commercial real estate and industrial loan portfolios.
The consistency of the equity-to-assets ratio at 0.14 over the last several quarters implies a disciplined approach to capital management. This level of capitalization warrants monitoring, as any further expansion or credit deterioration could necessitate a more robust capital position to maintain regulatory compliance and investor confidence.
According to the bank's balance sheet filings, BCAL has maintained a significant investment securities portfolio, which reached $3.3 billion in 2024Q4, indicating a strategic reliance on liquid assets to manage funding requirements and interest rate sensitivity in the competitive Southern California regional banking market.
The fluctuation in the securities portfolio, particularly the recent reduction to $298.6 million in 2026Q1, suggests that the bank is actively rebalancing its liquidity profile. Investors should monitor whether this shift reflects a strategic pivot toward higher-yielding loan opportunities or a response to tightening liquidity conditions.
As indicated by the bank's geographic and sector-specific focus, the balance sheet remains highly sensitive to the California commercial real estate market, which warrants further investigation into the potential for future provision volatility should property valuations in the San Diego and Los Angeles regions continue to soften.
While the current equity-to-assets ratio appears adequate, the bank's heavy reliance on a specific regional economy creates a non-obvious risk profile. Any systemic stress in the local CRE sector could disproportionately impact the bank's asset quality, potentially necessitating higher-than-anticipated loan loss provisions that would pressure future earnings.
Quick answers to the most common questions about buying BCAL stock.
As of 2025, Southern California Bancorp (BCAL) had total assets of $4.03B including $286.9M in current assets.
Southern California Bancorp (BCAL) carries total debt of $71.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Southern California Bancorp (BCAL) has total shareholders' equity (book value) of $576.6M ($17.61 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Southern California Bancorp (BCAL) reported a current ratio of 0.24x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.