Company Overview - California BanCorp has a market capitalization of $533 million [11] - The company possesses total assets of $40 billion and deposits of $33 billion as of June 30, 2025 [11] - The company has a 5-year asset CAGR of 207% and a 5-year deposit CAGR of 234% [11] Balance Sheet and Loan Portfolio - Total loans held for investment were $30 billion at June 30, 2025, compared to $31 billion at March 31, 2025, and $19 billion at June 30, 2024 [10] - Noninterest-bearing deposits accounted for 368% of total deposits as of June 30, 2025 [10] - As of June 30, 2025, total multifamily loans amounted to $2585 million, representing 86% of total loans [66] Financial Performance - Net income for Q2 2025 was $141 million, with diluted EPS at $043 [25] - The return on average assets for Q2 2025 was 145%, and the return on average common equity was 1050% [25] - The net interest margin for Q2 2025 was 461% [25] - The efficiency ratio for Q2 2025 was 561% [25] - Non-performing assets to total assets stood at 046% for Q2 2025 [25] - The allowance for credit losses to total loans held for investment was 146% as of June 30, 2025 [25]

Core Viewpoint - The health of small and micro enterprises is crucial for the national economy, and financial institutions are actively exploring solutions to address their financing challenges, with recent measures introduced to enhance support for these businesses [1] Financing Cost Reduction - Zhejiang Lishui Runsheng Moss Technology Co., Ltd. received 8.5 million yuan in low-interest credit from Lian Du Rural Commercial Bank after identifying their cash flow difficulties, showcasing effective financial support [2] - The company has developed a new planting model, cultivating moss on 650 acres of land, which has significantly contributed to local economic growth [3] Increased Financial Supply - Yuhuan Rural Commercial Bank increased credit loans for Taizhou Dongchao Technology Co., Ltd. by 15 million yuan, enabling the company to upgrade its production line and anticipate a 30% increase in output compared to the previous year [4] - The bank has implemented a green channel for loan applications and is actively engaging with small and micro enterprises to address their financing challenges [4][5] - As of April, the bank has added 144 new small and micro enterprise loans totaling 719 million yuan, with a focus on credit loans [5] Risk Management Enhancement - The recent measures call for differentiated standards for small and micro enterprise loan risk classification, which will aid financial institutions in managing risks while supporting these businesses [6] - Yuhuan Rural Commercial Bank emphasizes strict adherence to a three-check system for loan risk management, ensuring compliance and monitoring throughout the loan lifecycle [6]