BayCom Q3 earnings fall 21% sequentially to $5.0M; loan loss provision jumps to $2.9M

BayCom Corp

2025-Q3 EPS reported $1.55

Net income $5.0M ($0.46 EPS) vs $6.4M ($0.58) in Q2 and $6.0M ($0.54) in Q3 2024.
Provision for credit losses surged to $2.9M from $203K in Q2, with net charge-offs of $833K.
Net interest margin slipped to 3.72% from 3.77% Q2; redeemed sub debt causing $835K debt issuance cost amortization.
Allowance for credit losses increased to 1.02% of loans ($20.8M) from 0.93% ($18.7M) in Q2.
Nonperforming loans improved to $13.9M (0.68%) from $16.4M (0.82%) at Q2 end.

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