What does transfers of loans to foreclosed assets mean?

Tracks the movement of assets into foreclosed real estate categories, representing the conversion of non-performing loans into tangible property assets. This metric is used by investors to monitor the bank's exposure to distressed collateral and the effectiveness of its workout processes. It provides insight into the volume of credit defaults resulting in asset seizure.

California BanCorp BCAL Transfers of loans to foreclosed assets

Transfers of loans to foreclosed assets at other companies

First BancorpFBNC

$213K-57.0%

Independent Bank CorporationIBCP

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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:TransferOfOtherRealEstate.

The official record: California BanCorp’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is California BanCorp's transfers of loans to foreclosed assets?: California BanCorp (BCAL) reported transfers of loans to foreclosed assets of $450K in Q4 2025.
What does transfers of loans to foreclosed assets mean?: Tracks the movement of assets into foreclosed real estate categories, representing the conversion of non-performing loans into tangible property assets. This metric is used by investors to monitor the bank's exposure to distressed collateral and the effectiveness of its workout processes. It provides insight into the volume of credit defaults resulting in asset seizure.