{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-25-000068","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.273035+00:00","generated_at":"2026-05-17T02:32:12.967642+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BayCom Q3 earnings fall 21% sequentially to $5.0M; loan loss provision jumps to $2.9M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-25-000068","json":"https://secwatch.observer/filing/0001730984-25-000068.json","markdown":"https://secwatch.observer/filing/0001730984-25-000068.md","text":"https://secwatch.observer/filing/0001730984-25-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000068/0001730984-25-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098425000068/bcml-20250930x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:32:12.967642+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"}