California BanCorp is a California-focused community bank that serves small to medium-sized businesses through its subsidiary California Bank of Commerce. The bank operates 14 branch offices and 11 commercial banking offices across California, with $4.03B in total assets. California BanCorp's core pitch is high-touch, relationship-based banking for SMB owners — personalized service that larger banks typically don't deliver to smaller business clients. The bank targets businesses across manufacturing, wholesale distribution, professional services, CRE, healthcare, hospitality, and contracting. California BanCorp earns money the traditional community bank way: taking in deposits and lending at higher rates, with the spread between those rates driving profitability. The loan portfolio is heavily weighted toward real estate (~75% of total loans), with CRE loans alone representing ~60%. C&I loans account for another ~20%. A secondary revenue stream comes from SBA lending — California BanCorp originates SBA 7(a) loans, sells the government-guaranteed portion in the secondary market for fee income, and retains the unguaranteed portion for ongoing servicing fees. Noninterest-bearing deposits represent 35% of total deposits, reflecting the strength of the bank's commercial relationships. California BanCorp has grown primarily through acquisitions, most recently a July 2024 merger that added $1.91B in assets and extended the bank's footprint into Northern California. Going forward, management intends to focus on organic growth through hiring commercial bankers and deepening client relationships, while remaining open to further acquisitions.