---
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"
generated_at: "2026-05-27T15:03:30.913302+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# BayCom Q4 net income $6.1M, EPS $0.55; full-year EPS $2.10 vs $2.27

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-25-000006
- JSON: https://secwatch.observer/filing/0001730984-25-000006.json
- Plain text: https://secwatch.observer/filing/0001730984-25-000006.txt

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