---
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"
generated_at: "2026-05-16T08:49:11.507379+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# BayCom Corp Q4 2025 earnings $6.9M ($0.63 EPS), up 37% QoQ, 12% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1730984/000173098426000006/0001730984-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1730984/000173098426000006/bcml-20260122x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-26-000006
- JSON: https://secwatch.observer/filing/0001730984-26-000006.json
- Plain text: https://secwatch.observer/filing/0001730984-26-000006.txt

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