Risk factors

California Bancorp (BCAL) risk factors

Item 1A of every California Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    43 risks7 new7 dropped9 reworded

    New risks emphasize large relationship and construction lending, including $134.3 million of construction loans, or 4.4% of loans held for investment.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors
    43 risks

    California BanCorp relies heavily on the California market and real estate collateral for its loan portfolio. The bank faces concentration risks in commercial real estate and construction lending. Interest rate shifts and liquidity dependencies significantly impact net interest income and operations.

    Filed Apr 01, 2025