{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-25-000006","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.650022+00:00","generated_at":"2026-05-27T15:03:30.913302+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"BayCom Q4 net income $6.1M, EPS $0.55; full-year EPS $2.10 vs $2.27","bullets":["Net interest income rose 3.1% QoQ to $23.6M; NIM 3.80%, up from 3.73% in Q3.","Recorded $403K reversal of provision for credit losses vs $1.2M provision in Q3.","Noninterest income plunged to $87K from $2.7M in prior quarter due to negative equity securities fair value adjustments.","Nonperforming loans fell to $9.5M (0.48% of loans) from $13.0M (0.67%) a year ago.","Cash dividend of $0.15 per share paid Jan 10, 2025; repurchased 1,500 shares at avg $24.28 in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-25-000006","json":"https://secwatch.observer/filing/0001730984-25-000006.json","markdown":"https://secwatch.observer/filing/0001730984-25-000006.md","text":"https://secwatch.observer/filing/0001730984-25-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000006/0001730984-25-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000006/bcml-20250123x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T15:03:30.913302+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"}