{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-24-000013","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:25.293414+00:00","generated_at":"2026-06-06T18:24:03.551230+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BayCom Q4 net income $6.4M ($0.55 EPS), down YoY; NIM compresses to 3.86%","bullets":["Q4 2023 net income $6.4M ($0.55 EPS), down 16% YoY; net interest income $23.5M (-11.1% YoY).","NIM compressed to 3.86% from 4.40% a year ago; provision for credit losses surged to $2.3M from $617k.","Loans declined to $1.9B; deposits stable at $2.1B; nonperforming loans improved to 0.67% of loans.","Allowance for credit losses increased to 1.14% of loans from 0.94% a year ago; $150k net charge-offs.","CEO says results underperformed expectations; cites deposit cost pressure, loan demand weakness, credit quality deterioration."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-24-000013","json":"https://secwatch.observer/filing/0001730984-24-000013.json","markdown":"https://secwatch.observer/filing/0001730984-24-000013.md","text":"https://secwatch.observer/filing/0001730984-24-000013.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000013/0001730984-24-000013-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000013/bcml-20240125x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:24:03.551230+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"90f1b51a6bb131f25b93df7fb408bcefeae4fc90","claim":"BayCom Corp reported the quarter and year ended December 31, 2023 results: net income $6.4 million, EPS $0.55 per diluted common share.","evidence_excerpt":"On January 25, 2024, BayCom Corp issued its earnings release for the quarter and year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000013/0001730984-24-000013-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2023"},{"label":"Net income","value":"$6.4 million"},{"label":"EPS","value":"$0.55 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}