---
schema_version: "secwatch.filing_event.v1"
accession: "0001730984-23-000085"
form_type: "8-K"
ticker: "BCML"
cik: "0001730984"
company_name: "BayCom Corp"
filed_at: "2023-10-19T23:59:59+00:00"
generated_at: "2026-06-09T20:57:24.810218+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BayCom Q3 earnings $6.6M, EPS $0.56; provision for credit losses rises to $674K

## Summary
- Net income $6.6M ($0.56 diluted) vs Q2 $7.2M ($0.59) and Q3 2022 $7.0M ($0.52).
- Net interest margin stable at 4.03% (annualized); net interest income $24.8M, up $528K QoQ.
- Provision for credit losses of $674K vs $1.3M reversal in Q2; allowance at 1.01% of loans.
- Nonperforming loans rose to $14.3M (0.73%) from $12.8M (0.64%), driven by a trust loan in litigation.
- Repurchased 239,649 shares at avg $18.86; $0.10 quarterly dividend paid Oct 13.

## SEC filing metadata
- accession: 0001730984-23-000085
- form_type: 8-K
- ticker: BCML
- cik: 0001730984
- company_name: BayCom Corp
- filed_at: 2023-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/1730984/000173098423000085/0001730984-23-000085-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1730984/000173098423000085/bcml-20231019x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-23-000085
- JSON: https://secwatch.observer/filing/0001730984-23-000085.json
- Plain text: https://secwatch.observer/filing/0001730984-23-000085.txt

## Key facts
- Earnings Releases
  BayCom Corp reported financial results for the quarter and nine month period ended September 30, 2023.
  - Period: the quarter and nine month period ended September 30, 2023
  - Result: reported results
  source text: On October 19, 2023, BayCom Corp issued its earnings release for the quarter and nine month period ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1730984/000173098423000085/0001730984-23-000085-index.htm

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