# Southern California Bancorp (BCAL) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Southern California Bancorp (BCAL) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: BCAL +37.82%, SPY +90.43%. Regime BCAL BULL · SPY BULL. As of Oct 9, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/BCAL/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=BCAL%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| BCAL | +37.82% | -32.26% | +16.32% |
| SPY | +90.43% | -24.49% | +14.17% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| BCAL | +31.47% | +56.96% | +45.49% | +37.82% |
| SPY | +16.22% | +38.14% | +85.65% | +90.43% |

## Annual

| Year | BCAL | SPY |
|---|---:|---:|
| YTD | +16.32% | +14.17% |
| 2025 | +15.36% | +18.01% |
| 2024 | -3.84% | +25.59% |
| 2023 | +3.58% | +26.73% |
| 2022 | +12.27% | -18.64% |
| 2021 | -4.76% | +9.65% |

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Research context only. Not personalized investment advice.