{"schema_version":"secwatch.filing_event.v1","accession":"0001730984-26-000081","form_type":"8-K","ticker":"BCML","cik":"0001730984","company_name":"BayCom Corp","filed_at":"2026-10-22T20:23:20+00:00","discovered_at":"2026-10-22T20:24:00.142270+00:00","generated_at":"2026-10-22T20:24:07.504325+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"BayCom Q3 net income $1.1M ($0.10/sh) vs $5.0M a year ago; repositioning cuts EPS by about $0.50","bullets":["Net income $1.1M, or $0.10 per diluted share, vs $5.0M/$0.46 in Q3 2025 and a $7.0M loss/($0.64) in Q2 2026.","Sold $106.8M of available-for-sale securities at a $6.8M loss; proceeds redeployed into higher-yielding, shorter-duration securities, adding about 122 bps to yield.","Preferred equity sales of $7.8M and market moves produced a $589,000 loss; severance was $192,000. Management says actions cut Q3 EPS by about $0.50.","Deposits rose $122.3M (5.6%) to $2.3B; loans grew $77.2M (3.7%) to $2.2B; net interest margin 4.11%, up 16 bps QoQ and 43 bps YoY.","Average cost of deposits 1.57%, up 1 bp; classified assets fell $3.9M (11.1%) to $31.7M; Total Capital ratio 14.52%, CET1 13.39%, TCE 11.17%."],"urls":{"canonical":"https://secwatch.observer/filing/0001730984-26-000081","json":"https://secwatch.observer/filing/0001730984-26-000081.json","markdown":"https://secwatch.observer/filing/0001730984-26-000081.md","text":"https://secwatch.observer/filing/0001730984-26-000081.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1730984/000173098426000081/0001730984-26-000081-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1730984/000173098426000081/bcml-20261022x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-22T20:24:07.504325+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"}