BayCom Corp Q1 2025 net income $5.7M ($0.51 EPS), down 6.8% from Q4 2024; NIM expands to 3.83%

BayCom Corp

2025-Q1 EPS reported $0.51

Q1 2025 net income $5.7M ($0.51 diluted EPS) vs $6.1M ($0.55) in Q4 2024 and $5.9M ($0.51) in Q1 2024.
Net interest margin (annualized) 3.83%, up from 3.80% in Q4 2024 and 3.72% in Q1 2024.
Provision for credit losses $642K in Q1 vs reversal of $403K in Q4 2024 and provision of $252K in Q1 2024.
Nonperforming loans 0.51% of total loans, improved from 0.87% a year ago but up from 0.48% at year-end.
Deposits fell 4.7% from Q4 2024 to $2.1B; noninterest-bearing deposits declined to 27.7% from 30.8%.

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