---
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"
generated_at: "2026-05-23T12:02:21.828263+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-25-000024
- JSON: https://secwatch.observer/filing/0001730984-25-000024.json
- Plain text: https://secwatch.observer/filing/0001730984-25-000024.txt

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