{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-25-000024","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:49.505471+00:00","generated_at":"2026-05-23T12:02:21.828263+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"BayCom Corp Q1 2025 net income $5.7M ($0.51 EPS), down 6.8% from Q4 2024; NIM expands to 3.83%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-25-000024","json":"https://secwatch.observer/filing/0001730984-25-000024.json","markdown":"https://secwatch.observer/filing/0001730984-25-000024.md","text":"https://secwatch.observer/filing/0001730984-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000024/0001730984-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000024/bcml-20250417x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:02:21.828263+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"}