California BanCorp is classed by the SEC under National Commercial Banks (industry code 6021), based in San Diego, CA. Its latest filed balance sheet (2025-12-31) shows total assets of $4.0 billion (its filed statements).
Lending businessNational Commercial BanksSan Diego, CAfilings since 20209 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.6 out of ten, 9 of 9 metrics filed: past 2.9 out of ten, present 5.0 out of ten, future 6.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 1.7 out of ten. 4 warning events since 2020; the latest 2025-03-17. 17th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.5 out of ten. +34.2% a year over 4 filed years; profitable in 4 of 4. 85th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 0.7 out of ten. Share count grew 21.6% a year. 5% of cash flow returned. Insiders: 5 sales, 2 purchases. 7th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.5 out of ten. ROE 11%: 11¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar. 55th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.6 out of ten. top 34% of 79 in its family; net margin 27.9%. 66th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 1.8 out of ten. bottom 18% of 74 in its family for leadership; chief executive since 2026. 18th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.6 out of ten. top 24% of 71 in its family for room to expand. 76th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.2 out of ten. bottom 42% of 79 in its family for growth drivers. 42nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 9.0 out of ten. top 10% of 76 in its family for expectations against reality. 90th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-27 for the period ended 2026-07-23 (on EDGAR). Newest filing: Form 4, 2026-09-23. Filings on record since 2020. Read from EDGAR 2026-10-12.
Who runs it
Rainer, David I (Chairman and CEO); Shelton, Steven E. (Chief Executive Officer); Hernandez, Richard (President); Dolan, Thomas G. (EVP / Bancorp CFO/ CSO); Carandang, Jean (Bank Chief Financial Officer); Wirfel, Michelle (EVP, Chief Operating Officer); Liska, Martin (EVP / Chief Risk Officer); Nutz, Peter (EVP/ Chief Credit Officer); Merchant, Manisha (EVP / Chief Legal Officer); Yeung, Joann (EVP / Chief Accounting Officer); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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