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California BanCorp BCAL Interchange and ATM income — Revenue

Other product segments

Service charges and fees on deposit accounts
$827K+3.1%

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Other financials

Income statement

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Revenue$44.9M-0.6%
Net income$14.3M-8.8%
EPS (diluted)$0.44-8.3%

Balance sheet

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Cash & equivalents$265.0M-52.6%
Total debt$53.0M+0.7%
Total equity$586.6M+3.9%
Total assets$4.0B-1.9%

Cash flow

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Operating cash flow$14.8M+10.4%
CapEx$516.0K+1,418%
Free cash flow$14.3M+6.8%

Valuation

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Market cap$682.34M+37.4%
Enterprise value$470.37M+245%
P/E11.6×-4.3×
P/S3.8×+0.9×

Profitability

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Net margin33.4%-2.6pp
FCF margin32.9%-2.9pp

Returns & leverage

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Return on equity10.2%-1.7pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by California BanCorp in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The source filing: California BanCorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:15 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001795815-26-000018
Line itemThree Months Ended / June 30,2026Six Months Ended / June 30,2025Six Months Ended / June 30,2026June 30,2025
Net interest income after provision for (reversal of) credit losses42,64042,05185,10588,082
NONINTEREST INCOME
Service charges and fees on deposit accounts8278021,6381,578
Interchange and ATM income270376559786
Gain on sale of loans577
Income from bank owned life insurance4965031,014966
Servicing and related income on loans, net51102129244
Other (losses), charges and fees(93)1,0733481,271

ITEM 1 — FINANCIAL STATEMENTS

FAQ

What is California BanCorp's interchange and ATM income — revenue?
California BanCorp (BCAL) reported interchange and ATM income — revenue of $270K in Q2 2026.
How has California BanCorp's interchange and ATM income — revenue changed year-over-year?
California BanCorp's interchange and ATM income — revenue decreased by 28.2% year-over-year, from $376K to $270K.
What is the long-term trend for California BanCorp's interchange and ATM income — revenue?
Over 3 years (2022 to 2025), California BanCorp's interchange and ATM income — revenue has grown at a 21.4% compound annual growth rate (CAGR), from $782K to $1.4M.
What does interchange and ATM income — revenue mean?
This metric represents the total fee revenue generated from payment card interchange transactions and automated teller machine (ATM) usage fees. It reflects the income earned by the bank for facilitating electronic payment processing and providing cash access services to its customer base. This revenue stream is a key indicator of the bank's transaction volume and the utilization of its retail banking infrastructure.

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