---
schema_version: "secwatch.filing_event.v1"
accession: "0001730984-23-000004"
form_type: "8-K"
ticker: "BCML"
cik: "0001730984"
company_name: "BayCom Corp"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:20:35.185640+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BayCom Corp Q4 net income $8.1M ($0.62/share), up 48% YoY; net interest margin expands to 4.40%

## Summary
- Q4 net income $8.1M ($0.62 diluted EPS) vs Q3 $7.2M ($0.54) and Q4 2021 $5.4M ($0.51); YoY increase of 48%.
- Net interest margin (annualized) 4.40% in Q4 vs 3.99% prior quarter and 3.41% year ago.
- Loans net of fees $2.0B, up $356M from Dec 2021; deposits $2.1B, stable QoQ.
- Nonperforming loans $15.2M (0.75% of loans) vs $19.7M (0.99%) at Sep 30, 2022 and $6.9M (0.41%) a year ago.
- Repurchased 236,985 shares at avg cost $18.60 in Q4.

## SEC filing metadata
- accession: 0001730984-23-000004
- form_type: 8-K
- ticker: BCML
- cik: 0001730984
- company_name: BayCom Corp
- filed_at: 2023-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1730984/000173098423000004/0001730984-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1730984/000173098423000004/bcml-20230126x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-23-000004
- JSON: https://secwatch.observer/filing/0001730984-23-000004.json
- Plain text: https://secwatch.observer/filing/0001730984-23-000004.txt

## Key facts
- Earnings Releases
  BayCom Corp reported the quarter and twelve month period ended December 31, 2022 results: net income $8.1 million, EPS $0.62 per diluted common share.
  - Period: the quarter and twelve month period ended December 31, 2022
  - Net income: $8.1 million
  - EPS: $0.62 per diluted common share
  - Result: reported results
  source text: BayCom Corp issued its earnings release for the quarter and twelve month period ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1730984/000173098423000004/0001730984-23-000004-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.