Southern California Bancorp BCAL NASDAQ

Southern California Bancorp (BCAL) reported total assets of $4.03B and total liabilities of $3.46B for quarter ending 2025-12-31, resulting in total equity of $576.59M.

The company held $286.9M in cash and short-term investments. Total debt stood at $71.7M, with net debt of $19.69M. The Debt-to-Equity (D/E) ratio was 0.12 (conservative).

Current ratio is 0.24, which may signal tight short-term liquidity. Interest coverage is 1.7x (weak).

Criteria supported by this page:

• HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (49/100) — Total assets $4.03B and equity $576.59M support the company's competitive scale
• VALUE (83/100) — Debt-to-Equity 0.12 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 73/100 with 5/7 criteria passed.