Southern California Bancorp (BCAL) — Working Capital to Net Assets Ratio
Southern California Bancorp (BCAL) has a Working Capital to Net Assets ratio of -510.6% as of June 2026. Working capital of $-3.00 Billion (current assets of $363.99 Million minus current liabilities of $3.36 Billion) is measured against net assets of $586.64 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See how many days can Southern California Bancorp fund operations to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Southern California Bancorp Working Capital to Net Assets (2002–2025)
This chart shows how Southern California Bancorp's Working Capital to Net Assets ratio has evolved across 22 annual periods from 2002 to 2025. As of June 2026, the ratio stands at -510.6%, reflecting working capital of $-3.00 Billion against net assets of $586.64 Million USD. For the complete balance sheet picture, see Southern California Bancorp asset portfolio.
Annual Working Capital to Net Assets for Southern California Bancorp (2002–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Southern California Bancorp from 2002 to 2025, covering 22 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check financial resilience of Southern California Bancorp to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -154.6% | $-891.35 Million | $576.59 Million | $286.90 Million | $1.18 Billion | ▲ +469.9 pp |
| 2024 | -624.5% | $-3.20 Billion | $511.84 Million | $202.47 Million | $3.40 Billion | ▼ -6.6 pp |
| 2023 | -617.9% | $-1.78 Billion | $288.15 Million | $163.04 Million | $1.94 Billion | ▲ +57.7 pp |
| 2022 | -675.6% | $-1.76 Billion | $260.36 Million | $172.88 Million | $1.93 Billion | ▲ +93.1 pp |
| 2021 | -768.7% | $-1.90 Billion | $246.53 Million | $78.00 Million | $1.97 Billion | ▼ -83.0 pp |
| 2020 | -685.7% | $-1.16 Billion | $168.88 Million | $36.65 Million | $1.19 Billion | ▼ -150.0 pp |
| 2019 | -535.7% | $-645.67 Million | $120.52 Million | $26.24 Million | $671.91 Million | ▼ -367.0 pp |
| 2018 | -168.7% | $-171.01 Million | $101.36 Million | $68.94 Million | $239.95 Million | ▲ +138.7 pp |
| 2017 | -307.4% | $-152.76 Million | $49.70 Million | $41.20 Million | $193.96 Million | ▼ -54.7 pp |
| 2016 | -252.7% | $-112.76 Million | $44.62 Million | $69.78 Million | $182.53 Million | ▲ +154.1 pp |
| 2015 | -406.8% | $-152.60 Million | $37.51 Million | $36.81 Million | $189.41 Million | ▲ +98.9 pp |
| 2014 | -505.7% | $-169.93 Million | $33.60 Million | $63.79 Million | $233.73 Million | ▲ +83.1 pp |
| 2011 | -588.8% | $-137.47 Million | $23.35 Million | $26.05 Million | $163.52 Million | ▼ -34.1 pp |
| 2010 | -554.7% | $-107.36 Million | $19.35 Million | $15.67 Million | $123.03 Million | ▼ -379.2 pp |
| 2009 | -175.5% | $-35.42 Million | $20.18 Million | $19.74 Million | $55.17 Million | ▲ +28.8 pp |
| 2008 | -204.3% | $-35.03 Million | $17.15 Million | $9.96 Million | $45.00 Million | ▼ -3.0 pp |
| 2007 | -201.3% | $-45.58 Million | $22.64 Million | $4.00 Million | $49.58 Million | ▼ -82.7 pp |
| 2006 | -118.7% | $-26.95 Million | $22.72 Million | $15.05 Million | $42.01 Million | ▲ +409.3 pp |
| 2005 | -528.0% | $-32.71 Million | $6.20 Million | $9.61 Million | $42.33 Million | ▼ -138.9 pp |
| 2004 | -389.1% | $-26.20 Million | $6.73 Million | $5.65 Million | $31.85 Million | ▼ -131.5 pp |
| 2003 | -257.6% | $-13.80 Million | $5.36 Million | $6.89 Million | $20.69 Million | ▼ -96.1 pp |
| 2002 | -161.5% | $-9.29 Million | $5.75 Million | $2.58 Million | $11.87 Million | — |