California BanCorp 2026年季度报告

FORM 10-Q (Mark One)TQUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June30, 2026or £TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to _________Commission file number 001-41684 CALIFORNIA BANCORP(Exact name of registrant as specified in its charter) California84-3288397(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.) Registrant’s telephone number, including area code: (844) 265-7622 Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports),and (2) has been subject to such filing requirements for the past 90 days.TYes£No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrantwas required to submit such files).TYes£No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. ☐Accelerated filer☐Smaller reporting companyEmerging growth company Large accelerated filer Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.T Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).£YesTNo As of August4, 2026, the registrant had 32,150,541 outstanding shares of common stock. CALIFORNIA BANCORPFORM 10-Q QUARTERLY REPORTJUNE30, 2026TABLE OF CONTENTS PART I — FINANCIAL INFORMATION Item 1.Financial Statements (Unaudited)Consolidated Balance SheetsConsolidated Statements of OperationsConsolidated Statements of Comprehensive IncomeConsolidated Statements of Changes in Shareholders' EquityConsolidated Statements of Cash FlowsNotes to Consolidated Financial StatementsItem 2.Management's Discussion and Analysis of Financial Condition and Results of OperationsItem 3.Quantitative and Qualitative Disclosures About Market RiskItem 4.Controls and Procedures PART II — OTHER INFORMATION Item 1.Legal ProceedingsItem 1A.Risk FactorsItem 2.Unregistered Sales of Equity Securities and Use of ProceedsItem 3.Defaults Upon Senior SecuritiesItem 4.Mine Safety DisclosuresItem 5.Other InformationItem 6.Exhibits SIGNATURES Cautionary Note Regarding Forward-Looking Statements The statements in this quarterly report include forward-looking statements within the meaning of the PrivateSecurities Litigation Reform Act of 1995. Forward-looking statements relate to expectations, beliefs, projections, futureplans and strategies, anticipated events or trends and other matters that are not historical facts. Examples of forward-looking statements include, among others, forecasts relating to financial and operating results or other measures ofeconomic performance. Forward-looking statements reflect management’s current view about future events and involverisks and uncertainties that may cause actual results to differ from those expressed in the forward-looking statement orhistorical results. Forward-looking statements can be identified by the fact that they do not relate strictly to historical orcurrent facts and often include the words or phrases such as “aim,” “can,” “may,” “could,” “predict,” “should,” “will,”“would,” “believe,” “anticipate,” “estimate,” “expect,” “hope,” “intend,” “plan,” “potential,” “project,” “will likely result,”“continue,” “seek,” “shall,” “possible,” “projection,” “optimistic,” and “outlook,” and variations of these words and similarexpressions. We have made the forward-looking statements in this quarterly report based on assumptions and estimates that webelieve to be reasonable in light of the information available to us at this time. However, these forward-looking statementsare subject to significant risks and uncertainties, and could be affected by many factors. Factors that could have a materialadverse effect on our business, consolidated financial condition, consolidated results of operations and future growthprospects include, but are not limited to, the following: •volatility and uncertainty facing the banking industry following the failures of several financial instit