California BanCorp operates as a regional bank holding company for California Bank of Commerce, N.A., a national banking association. The company focuses on relationship-based commercial banking, serving small to middle-market businesses, professionals, and high-net-worth individuals across California. Its primary revenue sources are interest income generated from its diverse loan portfolio—which includes commercial and industrial (C&I) loans, commercial real estate (CRE) loans, construction and land development loans, and Small Business Administration (SBA) loans—and non-interest income from treasury management, foreign exchange, and cash management services.
The bank's geographic footprint spans both Southern and Northern California, covering key markets such as San Diego, Los Angeles, Orange County, Ventura, the Inland Empire, and the San Francisco Bay Area. This statewide presence was significantly expanded following a July 2024 merger of equals between Southern California Bancorp and the legacy California BanCorp, which combined two high-performing franchises to create a premier California business bank with over $4 billion in assets. The company funds its lending activities primarily through a low-cost core deposit base, offering commercial checking, savings, and money market accounts. By focusing on high-touch, personalized service and localized decision-making, California BanCorp competes effectively against larger national banks and other regional community banks in the highly attractive California market.
