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California BanCorp BCAL Service charges and fees on deposit accounts — Revenue

Other product segments

Interchange and ATM income
$270K-28.2%

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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
Provision for (reversal of) credit losses714(634)333(4,410)
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

ITEM 1 — FINANCIAL STATEMENTS

FAQ

What is California BanCorp's service charges and fees on deposit accounts — revenue?
California BanCorp (BCAL) reported service charges and fees on deposit accounts — revenue of $827K in Q2 2026.
How has California BanCorp's service charges and fees on deposit accounts — revenue changed year-over-year?
California BanCorp's service charges and fees on deposit accounts — revenue increased by 3.1% year-over-year, from $802K to $827K.
What is the long-term trend for California BanCorp's service charges and fees on deposit accounts — revenue?
Over 3 years (2022 to 2025), California BanCorp's service charges and fees on deposit accounts — revenue has grown at a 46.2% compound annual growth rate (CAGR), from $1.01M to $3.17M.
What does service charges and fees on deposit accounts — revenue mean?
This metric represents the total revenue generated from fees assessed on customer deposit accounts, including maintenance fees, overdraft charges, and other service-related transaction costs. It serves as a key indicator of non-interest income derived from the bank's core deposit base and reflects the monetization of retail and commercial banking services. Growth in this area highlights the bank's ability to capture fee-based income from its account holder relationships.

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