Southern California Bancorp (BCAL) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'06 |
|---|
| Net Interest Income | 42.08M | 42.91M | 42.52M | 41.42M | 42.26M | 44.54M | 36.94M | 21.01M | 20.49M | 22.56M | 23.26M | 23.43M | 24.89M | 25.27M | 23.79M | 20.94M | 17.8M | 815.61K |
| NII Growth % | -0.4% | -3.67% | 15.09% | 97.16% | 106.18% | 97.44% | 58.82% | -10.33% | -17.67% | -10.72% | -2.21% | 11.89% | 39.88% | - | - | - | - | - |
| Net Interest Margin % | 1.04% | 1.06% | 1.04% | 1.05% | 1.06% | 1.1% | 0.85% | 0.92% | 0.9% | 0.96% | 1.01% | 1.01% | 1.09% | 1.1% | 1.03% | 0.9% | 0.77% | 1.25% |
| Interest Income | 53.78M | 56.18M | 57.19M | 55.79M | 56.83M | 62.56M | 54.13M | 31.85M | 31.26M | 32.57M | 31.48M | 30.26M | 29.21M | 28.14M | 25.36M | 21.58M | 18.48M | 1.14M |
| Interest Expense | 11.7M | 13.28M | 14.67M | 14.37M | 14.57M | 18.02M | 17.18M | 10.84M | 10.77M | 10.01M | 8.22M | 6.83M | 4.32M | 2.87M | 1.58M | 648K | 690K | 319.79K |
| Loan Loss Provision | -381K | -4.4M | -15K | -634K | -3.78M | -3.83M | 22.96M | 2.89M | -331K | 824K | -96K | -15K | 202K | 244K | 1.56M | 1.8M | 1.85M | 454.39K |
| Non-Interest Income | 2.14M | 3M | 2.67M | 2.86M | 2.57M | 1M | 1.17M | 1.19M | 1.41M | -102K | 815K | 1.1M | 1.57M | 188K | 1.13M | 1.53M | 1.6M | 58.84K |
| Non-Interest Income % | 3.82% | 5.06% | 4.46% | 4.87% | 4.32% | 1.58% | 2.12% | 3.6% | 4.32% | -0.31% | 2.52% | 3.5% | 5.1% | 0.66% | 4.25% | 6.6% | 7.98% | 4.93% |
| Total Revenue | 55.92M | 59.18M | 59.86M | 58.64M | 59.39M | 63.56M | 55.3M | 33.04M | 32.68M | 32.47M | 32.3M | 31.36M | 30.78M | 28.33M | 26.49M | 23.11M | 20.09M | 1.19M |
| Revenue Growth % | -5.84% | -6.9% | 8.24% | 77.5% | 81.75% | 95.77% | 71.22% | 5.36% | 6.17% | 14.6% | 21.93% | 35.68% | 53.22% | - | - | - | - | - |
| Non-Interest Expense | 25.51M | 27.91M | 23.38M | 24.83M | 24.92M | 26.13M | 37.68M | 19.02M | 14.98M | 15.34M | 14.78M | 14.61M | 15.02M | 13.62M | 13.92M | 21.71M | 15.55M | 1.03M |
| Efficiency Ratio | 45.62% | 47.16% | 39.06% | 42.35% | 41.96% | 41.1% | 68.14% | 57.58% | 45.85% | 47.24% | 45.76% | 46.58% | 48.8% | 48.07% | 52.54% | 93.93% | 77.42% | 86.11% |
| Operating Income | 19.09M | 22.39M | 21.82M | 20.07M | 23.68M | 23.25M | -22.53M | 278K | 7.26M | 6.29M | 9.39M | 9.93M | 11.24M | 11.6M | 9.43M | -1.04M | 2M | -608.35K |
| Operating Margin % | 34.14% | 37.84% | 36.45% | 34.23% | 39.87% | 36.59% | -40.74% | 0.84% | 22.21% | 19.39% | 29.08% | 31.67% | 36.52% | 40.93% | 35.61% | -4.51% | 9.94% | -50.94% |
| Operating Income Growth % | -19.37% | -3.72% | 196.84% | 7120.86% | 226.26% | 269.48% | -339.88% | -97.2% | -35.44% | -45.72% | -0.46% | 1052.97% | 463.18% | - | - | - | - | - |
| Pretax Income | 19.09M | 22.39M | 21.82M | 20.07M | 23.68M | 23.25M | -22.53M | 278K | 7.26M | 6.29M | 9.39M | 9.93M | 11.24M | 11.6M | 9.43M | -1.04M | 2M | -608.35K |
| Pretax Margin % | 34.14% | 37.84% | 36.45% | 34.23% | 39.87% | 36.59% | -40.74% | 0.84% | 22.21% | 19.39% | 29.08% | 31.67% | 36.52% | 40.93% | 35.61% | -4.51% | 9.94% | -50.94% |
| Income Tax | 5.3M | 5.97M | 6.13M | 5.97M | 6.82M | 6.48M | -6.06M | 88K | 2.32M | 1.88M | 2.83M | 3.21M | 3.02M | 3.12M | 2.5M | -306K | 550K | -200 |
| Effective Tax Rate % | 27.76% | 26.65% | 28.11% | 29.76% | 28.82% | 27.88% | 26.91% | 31.65% | 32% | 29.9% | 30.19% | 32.35% | 26.84% | 26.92% | 26.55% | 29.37% | 27.56% | 0.03% |
| Net Income | 13.79M | 16.42M | 15.68M | 14.1M | 16.85M | 16.77M | -16.46M | 190K | 4.93M | 4.41M | 6.56M | 6.72M | 8.22M | 8.47M | 6.93M | -736K | 1.45M | -608.15K |
| Net Margin % | 24.66% | 27.75% | 26.2% | 24.04% | 28.38% | 26.39% | -29.77% | 0.58% | 15.1% | 13.59% | 20.3% | 21.42% | 26.72% | 29.91% | 26.16% | -3.18% | 7.2% | -50.92% |
| Net Income Growth % | -18.17% | -2.09% | 195.26% | 7320.53% | 241.5% | 280.15% | -351.13% | -97.17% | -39.99% | -47.93% | -5.38% | 1012.77% | 468.74% | - | - | - | - | - |
| Net Income (Continuing) | 13.79M | 16.42M | 15.68M | 14.1M | 16.85M | 16.77M | -16.46M | 190K | 4.93M | 4.41M | 6.56M | 6.72M | 8.22M | 8.47M | 6.93M | -736K | 1.45M | -608.15K |
| EPS (Diluted) | 0.42 | 0.50 | 0.48 | 0.43 | 0.52 | 0.51 | -0.59 | 0.01 | 0.26 | 0.24 | 0.35 | 0.36 | 0.44 | 0.46 | 0.38 | -0.04 | 0.08 | -0.73 |
| EPS Growth % | -19.23% | -1.96% | 181.36% | 4200% | 100% | 112.5% | -268.57% | -97.22% | -40.91% | -47.83% | -7.89% | 1000% | 451.38% | - | - | - | - | - |
| EPS (Basic) | 0.43 | 0.51 | 0.48 | 0.43 | 0.52 | 0.52 | -0.59 | 0.01 | 0.27 | 0.24 | 0.35 | 0.37 | 0.46 | 0.47 | 0.39 | -0.04 | 0.08 | -0.20 |
| Diluted Shares Outstanding | 32.68M | 32.79M | 32.81M | 32.69M | 32.7M | 32.7M | 27.71M | 18.8M | 18.8M | 18.73M | 18.73M | 18.66M | 18.62M | 18.42M | 18.23M | 18.2M | 18.11M | 836.63K |