---
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"
generated_at: "2026-05-17T02:32:12.967642+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-25-000068
- JSON: https://secwatch.observer/filing/0001730984-25-000068.json
- Plain text: https://secwatch.observer/filing/0001730984-25-000068.txt

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