<span item_type="fundamental" item_id="3ccf6d807a15fcfbbe1a0f3e89013bd0" counter_id="ST/US/BCAL" env="prod"></span><span item_type="announcement" item_id="576500610148079745" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 45.18 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.48, beating the estimate of USD 0.3933.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -20.7 M.</p><p></p><h3>Net Income</h3><ul><li>Net income for the third quarter of 2025 was $15.7 million, or $0.48 per diluted share, compared to $14.1 million, or $0.43 per diluted share in the second quarter of 2025, and a net loss of - $16.5 million, or - $0.59 per diluted share for the third quarter of 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul><h3>Net Interest Income and Margin</h3><ul><li>Net interest income for the third quarter of 2025 was $42.5 million, compared with $41.4 million in the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li><li>Net interest margin for the third quarter of 2025 was 4.52%, compared with 4.61% in the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li>Return on average assets was 1.54%, compared with 1.45% in the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li><li>Return on average common equity was 11.24%, compared with 10.50% in the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li><li>Efficiency ratio (non-GAAP) was 51.75% compared with 56.09% in the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul><h3>Cash Flow</h3><ul><li>The Company reported a reversal of provision for credit losses of $15 thousand for the third quarter, compared with $634 thousand for the prior quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li>Total assets were $4.10 billion at September 30, 2025, compared with $3.95 billion at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li><li>Total deposits were $3.46 billion at September 30, 2025, increased $147.4 million or 4.4% compared with $3.31 billion at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The Company remains optimistic about its future, despite economic uncertainty related to tariffs and trade negotiations, and continues to focus on building a state-wide California commercial banking franchise.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1795815/000149315225019827/ex99-1.htm"></span></li></ul>

California BanCorp | 8-K: FY2025 Q3 Revenue: USD 45.18 M