{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-24-000060","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2024-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.343838+00:00","generated_at":"2026-05-31T19:45:08.857318+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BayCom Corp Q2 net income $5.6M ($0.50 EPS) down 4.7% QoQ and 22.3% YoY","bullets":["Net income $5.6M ($0.50 diluted EPS) vs $5.9M ($0.51) in Q1 2024 and $7.2M ($0.59) in Q2 2023.","Net interest margin narrowed to 3.69% from 3.72% QoQ and 4.02% YoY; net interest income $22.3M.","Nonperforming loans $16.1M (0.87% of loans); allowance for credit losses $19.0M (1.02%).","Repurchased 204,794 shares at avg $20.17 in Q2; declared $0.10 dividend paid July 11.","CEO cites low loan demand and stabilizing deposits; cautious optimism for H2 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-24-000060","json":"https://secwatch.observer/filing/0001730984-24-000060.json","markdown":"https://secwatch.observer/filing/0001730984-24-000060.md","text":"https://secwatch.observer/filing/0001730984-24-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000060/0001730984-24-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000060/bcml-20240718x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T19:45:08.857318+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}