---
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"
generated_at: "2026-05-30T13:24:06.673546+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# BayCom Corp Q3 net income $6.0M ($0.54 EPS) down 9.2% YoY; NIM stabilizes at 3.73%

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-24-000082
- JSON: https://secwatch.observer/filing/0001730984-24-000082.json
- Plain text: https://secwatch.observer/filing/0001730984-24-000082.txt

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