{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-26-000006","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.025442+00:00","generated_at":"2026-05-16T08:49:11.507379+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"BayCom Corp Q4 2025 earnings $6.9M ($0.63 EPS), up 37% QoQ, 12% YoY","bullets":["Net interest margin expanded to 4.03% from 3.68% in Q3 and 3.80% a year ago.","Provision for credit losses fell sharply to $250K from $2.9M in Q3.","Loans grew to $2.1B (+$24M from Q3); nonperforming loans stable at 0.65% of loans.","Noninterest-bearing deposits dropped to 26.1% of total deposits from 30.8% a year ago.","Repurchased 29,111 shares at avg $27.75; declared $0.30 dividend payable Jan 9, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-26-000006","json":"https://secwatch.observer/filing/0001730984-26-000006.json","markdown":"https://secwatch.observer/filing/0001730984-26-000006.md","text":"https://secwatch.observer/filing/0001730984-26-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098426000006/0001730984-26-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098426000006/bcml-20260122x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:49:11.507379+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"}