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  <xs:element id="bcal_CommercialRealEstateAndOtherMember" abstract="true" name="CommercialRealEstateAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FinancingReceivableInterestAccretion" abstract="false" name="FinancingReceivableInterestAccretion" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_ExtendedMaturityAndPaymentDeferralMember" abstract="true" name="ExtendedMaturityAndPaymentDeferralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_PaymentDeferralFullMember" abstract="true" name="PaymentDeferralFullMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_PaymentDeferralPartialMember" abstract="true" name="PaymentDeferralPartialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FinancingReceivableExcludingAccruedInterestModifiedAfter12MonthsNonaccrual" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedAfter12MonthsNonaccrual" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_BusinessAssetsMember" abstract="true" name="BusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestIncludingOffBalanceSheetCreditLossLiability" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestIncludingOffBalanceSheetCreditLossLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_FiniteLivedIntangibleAssetsAccumulatedAmortizationRollForward" abstract="true" name="FiniteLivedIntangibleAssetsAccumulatedAmortizationRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bcal_IntangibleAssetFiniteLivedEstimatedAmortizationExpenseAfterYearFour" abstract="false" name="IntangibleAssetFiniteLivedEstimatedAmortizationExpenseAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_DepositContractsLiabilitiesPercent" abstract="false" name="DepositContractsLiabilitiesPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="bcal_DepositsInterestBearingMoneyMarketDepositsAndSavingsAccountDepositsInsuredCashSweep" abstract="false" name="DepositsInterestBearingMoneyMarketDepositsAndSavingsAccountDepositsInsuredCashSweep" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_PercentageOfInterestBearingDomesticDepositsToBankLiabilities" abstract="false" name="PercentageOfInterestBearingDomesticDepositsToBankLiabilities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="bcal_TimeDepositsYearFourAndThereafter" abstract="false" name="TimeDepositsYearFourAndThereafter" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_OvernightUnsecuredLineOfCreditMember" abstract="true" name="OvernightUnsecuredLineOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_SubordinatedDebt3.50MaturingInSeptember2031Member" abstract="true" name="SubordinatedDebt3.50MaturingInSeptember2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FederalReserveAdvancesGeneralDebtObligationsMaximumAmountAvailable" abstract="false" name="FederalReserveAdvancesGeneralDebtObligationsMaximumAmountAvailable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_FederalReserveAdvancesGeneralDebtObligationsOutstandingBorrowings" abstract="false" name="FederalReserveAdvancesGeneralDebtObligationsOutstandingBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_LineOfCreditNumberOfLines" abstract="false" name="LineOfCreditNumberOfLines" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="bcal_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedPercentOfOutstandingCommonStock" abstract="false" name="StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchasedPercentOfOutstandingCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bcal_CastleCreekLaunchpadFundIMember" abstract="true" name="CastleCreekLaunchpadFundIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_MinimumRequiredPercentageOfVotingSecuritiesOwnedForLoanGrants" abstract="false" name="MinimumRequiredPercentageOfVotingSecuritiesOwnedForLoanGrants" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="bcal_InvestmentCompanyCommittedCapitalContributions" abstract="false" name="InvestmentCompanyCommittedCapitalContributions" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossRollForward" abstract="true" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bcal_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossClosed" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossClosed" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossRepayments" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossRepayments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_OtherEquityInvestmentsCommittedCapital" abstract="false" name="OtherEquityInvestmentsCommittedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_A2019OmnibusEquityIncentivePlanMember" abstract="true" name="A2019OmnibusEquityIncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_A2026EquityPlanMember" abstract="true" name="A2026EquityPlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_ShareBasedPaymentArrangementOptionAndRestrictedStockUnitsRSUsMember" abstract="true" name="ShareBasedPaymentArrangementOptionAndRestrictedStockUnitsRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_CaliforniaBanCorpMember" abstract="true" name="CaliforniaBanCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedExpirationPeriodFollowingTerminationOfServiceAffiliation" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedExpirationPeriodFollowingTerminationOfServiceAffiliation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="bcal_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTermAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bcal_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValueAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValueAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="bcal_FairValueInputsLevel1AndLevel2Member" abstract="true" name="FairValueInputsLevel1AndLevel2Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_CashAndDueFromBanksFairValueDisclosure" abstract="false" name="CashAndDueFromBanksFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueDisclosure" abstract="false" name="InterestBearingDepositsInBanksAndOtherFinancialInstitutionsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_InvestmentInFederalHomeLoanBankStockAndFederalReserveBankStockFairValueDisclosure" abstract="false" name="InvestmentInFederalHomeLoanBankStockAndFederalReserveBankStockFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_FederalHomeLoanBankBorrowingsAndSubordinatedDebtFairValueDisclosure" abstract="false" name="FederalHomeLoanBankBorrowingsAndSubordinatedDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_DebtSecuritiesAvailableForSaleAllowanceForCreditLossReserves" abstract="false" name="DebtSecuritiesAvailableForSaleAllowanceForCreditLossReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="bcal_ValuationFairValueOfLandMember" abstract="true" name="ValuationFairValueOfLandMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FairValueOfPropertyMember" abstract="true" name="FairValueOfPropertyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="bcal_FinancingReceivableCollateralDependentMeasurementInput" abstract="false" name="FinancingReceivableCollateralDependentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="bcal_DebtInstrumentRedemptionPrincipalIntendedToBeRedeemed" abstract="false" name="DebtInstrumentRedemptionPrincipalIntendedToBeRedeemed" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
