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California BanCorp BCAL Time deposits

Time deposits at other companies

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Central Pacific FinancialCPF
$6.67M-17.8%
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Amerant BancorpAMTB
$18.25M-23.5%
ESQ
Esquire Financial Holdings, Inc.ESQ
$67K-43.7%
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Park NationalPRK
$7.53M+11.3%
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Orange County BancorpOBT
$710K-68.1%
International Bancshares logo
International BancsharesIBOC
$24.9M-2.4%

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:InterestExpenseTimeDeposits.

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 time deposits?
California BanCorp (BCAL) reported time deposits of $943K in Q1 2026.
How has California BanCorp's time deposits changed year-over-year?
California BanCorp's time deposits decreased by 54.3% year-over-year, from $2.06M to $943K.
What is the long-term trend for California BanCorp's time deposits?
Over 3 years (2022 to 2025), California BanCorp's time deposits has grown at a 98.3% compound annual growth rate (CAGR), from $797K to $6.22M.
What does time deposits mean?
Represents the interest expense incurred on certificates of deposit and other time-bound deposit products. This metric highlights the bank's reliance on fixed-term funding and the impact of interest rate environments on deposit costs.