---
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"
generated_at: "2026-10-22T20:24:07.504325+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# BayCom Q3 net income $1.1M ($0.10/sh) vs $5.0M a year ago; repositioning cuts EPS by about $0.50

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001730984-26-000081
- JSON: https://secwatch.observer/filing/0001730984-26-000081.json
- Plain text: https://secwatch.observer/filing/0001730984-26-000081.txt

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