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California BanCorp BCAL Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

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Sierra BancorpBSRR
$68.69M+30.4%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$54.07M+0.7%
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Five Star BancorpFSBC
$28.49M+22.6%
Bridgewater Bancshares, Inc. logo
Bridgewater Bancshares, Inc.BWB
$45.22M+0.4%
Equity Bancshares logo
Equity BancsharesEQBK
$149.7M+13.1%
PCB Bancorp logo
PCB BancorpPCB
$33.07M+3.3%

Other financials

Income statement

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Revenue$44.2M-1.3%
Net income$13.8M-18.2%
EPS (diluted)$0.42-19.2%

Balance sheet

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Cash & equivalents$411.1M-6.4%
Total debt$53.4M-38.9%
Total equity$577.8M+8.7%
Total assets$4.0B+1.6%

Cash flow

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Operating cash flow$8.5M+22.2%
CapEx$236.0K+125%
Free cash flow$8.3M+20.7%

Valuation

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Market cap$663.56M+40.9%
Enterprise value$305.83M+157%
P/E11.1×-16.1×
P/S3.7×+0.6×

Profitability

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Net margin33.4%+21.9pp
FCF margin32.5%+0.2pp

Returns & leverage

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Return on equity10.8%+6.6pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by California BanCorp in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: California BanCorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is California BanCorp's bank owned life insurance?
California BanCorp (BCAL) reported bank owned life insurance of $67.41M in Q1 2026.
How has California BanCorp's bank owned life insurance changed year-over-year?
California BanCorp's bank owned life insurance increased by 0.8% year-over-year, from $66.87M to $67.41M.
What is the long-term trend for California BanCorp's bank owned life insurance?
Over 3 years (2022 to 2025), California BanCorp's bank owned life insurance has grown at a 21.1% compound annual growth rate (CAGR), from $37.97M to $67.37M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees. It is used as a tax-advantaged investment vehicle to offset the costs of employee benefit plans. The growth of this asset reflects the bank's long-term capital allocation strategy.