[8-K] California BanCorp \ CA Reports Material Event

Rhea-AI Filing Summary

California BanCorp filed a current report describing its latest communications with investors about financial performance. The company issued an earnings press release covering its consolidated results for the fourth quarter and full year of 2025 and made this release available as an exhibit.

The company also prepared an investor slide presentation for upcoming meetings with investors and other interested parties. Both the earnings release and the presentation are furnished as exhibits and are not treated as formally filed financial statements, which means they are provided for information but are not automatically incorporated into other securities law filings.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 28, 2026

CALIFORNIA BANCORPCalifornia BanCorp \ CA

(Exact name of registrant as specified in its charter)

California		001-41684		84-3288397
(State or other jurisdiction of incorporation)		(Commission File Number)		(IRS Employer Identification Number)

12265 El Camino Real, Suite 210
San Diego, California		92310
(Address of Principal Executive Offices)		(Zip Code)

(844) 265-7622

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock		BCAL		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☒

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

Item 2.02 Results of Operations and Financial Condition

On January 28, 2026, California BanCorp (the “Company”) issued an earnings release reporting its consolidated financial results as of and for the fourth quarter and the full year of 2025. A copy of that earnings release is furnished as Exhibit 99.1 hereto.

Item 7.01 Regulation FD Disclosure

A copy of a slide presentation that the Company may use for upcoming meetings with investors and other interested parties is furnished as Exhibit 99.2 hereto. Additionally, the Company has posted the slide presentation in the Investor Relations section of its website at https://ir.californiabankofcommerce.com. Information obtained or linked to the foregoing website shall not be deemed to be included in this Current Report on Form 8-K.

In accordance with General Instruction B.2 of Form 8-K, the information contained in this Current Report on Form 8-K, including Exhibit 99.1 and Exhibit 99.2, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor shall such information be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing..

Item 9.01 Financial Statements and Exhibits.

Exhibit No.		Description
99.1		Earnings Press Release date January 28, 2026
99.2		Investor Presentation, Fourth Quarter 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	CALIFORNIA BANCORP
Date: January 28, 2026	By:	/s/ David I. Rainer
		David I. Rainer
		Chief Executive Officer

FAQ

What did California BanCorp (BCAL) report in this 8-K filing?

California BanCorp furnished an earnings press release and an investor presentation covering its consolidated results for the fourth quarter and full year of 2025. These materials provide additional detail for investors but are furnished, not filed, under securities law rules.

Which exhibits did California BanCorp (BCAL) include with this earnings 8-K?

The company attached an earnings press release as Exhibit 99.1 and an investor presentation for the fourth quarter of 2025 as Exhibit 99.2. It also included a cover page interactive data file as Exhibit 104 within the Inline XBRL document.

Are California BanCorp’s (BCAL) earnings materials considered filed with the SEC?

No. The earnings press release and investor presentation are furnished, not filed, under securities law. They are not deemed filed for liability purposes or automatically incorporated into other registration statements unless specifically referenced later.

Where can investors find California BanCorp’s (BCAL) investor presentation?

The investor presentation furnished as Exhibit 99.2 is also posted in the Investor Relations section of the company’s website. It is intended for upcoming investor meetings and provides a slide-based overview of recent performance and related information.

What period do California BanCorp’s (BCAL) furnished earnings results cover?

The earnings release furnished with this filing reports consolidated financial results for the fourth quarter of 2025 and the full year of 2025. These materials offer investors a structured summary of the company’s recent financial performance and related commentary.