{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-24-000082","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.392402+00:00","generated_at":"2026-05-30T13:24:06.673546+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"BayCom Corp Q3 net income $6.0M ($0.54 EPS) down 9.2% YoY; NIM stabilizes at 3.73%","bullets":["Net income $6.0M ($0.54 diluted EPS) vs $5.6M QoQ and $6.6M YoY; net interest margin 3.73% (prior Q 3.69%, YoY 4.03%).","Nonperforming loans fell to $9.7M (0.51% of loans) from $16.1M (0.87%) at June 30, 2024, after sales and charge-offs.","Provision for credit losses was $1.2M in Q3 vs $171k in Q2, driven by economic forecasts and a $9.5M construction commitment.","Loans, net of deferred fees, rose $47.9M from June 30 to $1.9B; deposits $2.1B, noninterest-bearing $618.3M (28.9%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-24-000082","json":"https://secwatch.observer/filing/0001730984-24-000082.json","markdown":"https://secwatch.observer/filing/0001730984-24-000082.md","text":"https://secwatch.observer/filing/0001730984-24-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000082/0001730984-24-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098424000082/bcml-20241017x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:24:06.673546+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"}