secwatch.observer — SEC 8-K summary
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Issuer:     BayCom Corp (BCML)
CIK:        0001730984
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001730984-26-000006
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1730984/000173098426000006/0001730984-26-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1730984/000173098426000006/bcml-20260122x8k.htm
  HTML page:      https://secwatch.observer/filing/0001730984-26-000006

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