BCML on Nasdaq
BayCom Corp
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Last updated Oct 18, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Financial statements
Every line of the income statement in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, including fees | $114.1M | $104.1M | $106.3M |
| Investment securities | $9.4M | $9.0M | $7.0M |
| Fed funds sold and interest-bearing balances in banks | $10.3M | $17.1M | $11.6M |
| FHLB dividends | $1.0M | $1.0M | $862.0K |
| FRB dividends | $561.0K | $578.0K | $577.0K |
| Total interest and dividend income | $135.4M | $131.7M | $126.3M |
| Deposits | $36.8M | $36.1M | $24.0M |
| Subordinated debt | $3.4M | $3.6M | $3.6M |
| Junior subordinated deferrable interest debentures | $762.0K | $863.0K | $841.0K |
| Total interest expense | $40.9M | $40.6M | $28.5M |
| Net interest income | $94.5M | $91.1M | $97.9M |
| Provision for credit losses | $4.1M | $1.3M | $2.0M |
| Net interest income after provision for credit losses | $90.4M | $89.9M | $95.9M |
| Gain on sale of loans | $268.0K | $287.0K | $508.0K |
| (Loss) gain on equity securities | -$230.0K | $463.0K | -$1.1M |
| Loan servicing and other loan fees | $1.7M | $1.6M | $1.9M |
| "(Loss) gain on investment in Small Business Investment Company (""SBIC"") fund" | -$278.0K | -$500.0K | $1.1M |
| Other income and fees | $1.1M | $1.2M | $1.1M |
| Total noninterest income | $6.1M | $6.4M | $7.0M |
| Salaries and employee benefits | $40.2M | $38.9M | $41.0M |
| Occupancy and equipment | $8.6M | $8.7M | $8.2M |
| Data processing | $7.9M | $7.3M | $6.6M |
| Other expense | $7.2M | $9.3M | $8.9M |
| Total noninterest expense | $63.9M | $64.1M | $64.7M |
| Income before provision for income taxes | $32.6M | $32.1M | $38.2M |
| Provision for income taxes | $8.7M | $8.5M | $10.7M |
| Net income | $23.9M | $23.6M | $27.4M |
| Basic earnings per common share (in dollars per share) | $2.18 | $2.10 | $2.27 |
| Weighted average common shares outstanding (in shares) | 11.0M shares | 11.3M shares | 12.1M shares |
| Diluted earnings per common share (in dollars per share) | $2.18 | $2.10 | $2.27 |
| Weighted average common shares outstanding (in shares) | 11.0M shares | 11.3M shares | 12.1M shares |
Every line of the balance sheet in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash due from banks | $26.8M | $23.1M | |
| Federal funds sold and interest-bearing balances in banks | $179.7M | $340.9M | |
| Cash and cash equivalents | $206.5M | $364.0M | |
| Time deposits in banks | $0 | $249.0K | |
| "Investment securities available-for-sale (""AFS""), at fair value, net of allowance for credit losses of $0 at both December 31, 2025 and December 31, 2024" | $179.7M | $193.3M | |
| Equity securities, at fair value | $12.6M | $13.1M | |
| "Federal Home Loan Bank (""FHLB"") stock, at par" | $11.5M | $11.3M | |
| "Federal Reserve Bank (""FRB"") stock, at par" | $7.7M | $9.6M | |
| Loans held for sale | $1.3M | $2.2M | |
| Loans, net of allowance for credit losses of $21,210 at December 31, 2025 and $17,900 at December 31, 2024 | $2.0B | $1.9B | |
| Premises and equipment, net | $13.2M | $13.4M | |
| Core deposit intangible, net | $1.7M | $2.7M | $3.9M |
| "Cash surrender value of bank owned life insurance (""BOLI"") policies, net" | $24.4M | $23.6M | |
| "Right-of-use assets (""ROU""), net" | $12.7M | $13.4M | |
| Goodwill | $38.8M | $38.8M | |
| Interest receivable and other assets | $38.4M | $43.7M | |
| Total assets | $2.6B | $2.7B | |
| Noninterest and interest bearing deposits | $2.2B | $2.2B | |
| Junior subordinated deferrable interest debentures, net | $8.7M | $8.6M | |
| Subordinated debt, net | $63.7M | ||
| Salary continuation plan | $5.1M | $4.7M | |
| Lease liabilities | $13.7M | $14.4M | |
| Interest payable and other liabilities | $14.0M | $14.6M | |
| Total liabilities | $2.3B | $2.3B | |
| Common stock, no par value; 100,000,000 shares authorized; 10,887,681 and 11,121,475 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | $166.0M | $172.3M | |
| Additional paid in capital | $287.0K | $287.0K | |
| Accumulated other comprehensive loss, net of tax | -$6.6M | -$13.0M | |
| Retained earnings | $178.9M | $164.8M | |
| Total shareholders' equity | $338.6M | $324.4M | $312.9M |
| Total liabilities and shareholders' equity | $2.6B | $2.7B | |
| Investment securities available-for-sale (AFS), at fair value, net of allowance for credit losses | $0 | $0 | |
| Allowance for credit losses | $21.2M | $17.9M | $22.0M |
| Preferred stock, no par value | $0 | $0 | |
| Preferred stock, shares authorized | 10.0M shares | 10.0M shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Preferred stock, shares outstanding | 0 shares | 0 shares | |
| Common stock, no par value | $0 | $0 | |
| Common stock, shares authorized | 100.0M shares | 100.0M shares | |
| Common stock, shares, issued | 10.9M shares | 11.1M shares | |
| Common stock, shares, outstanding | 10.9M shares | 11.1M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.7
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $23.9M | $23.6M | $27.4M |
| Provision for credit losses | $4.1M | $1.3M | $2.0M |
| Deferred tax (benefit) expense | -$503.0K | $801.0K | $1.0K |
| Amortization (accretion) on acquired loans | $239.0K | $28.0K | -$876.0K |
| Gain on sale of loans | -$268.0K | -$287.0K | -$508.0K |
| Proceeds from sale of loans originated for sale | $4.7M | $4.7M | $9.6M |
| Loans originated for sale | -$3.6M | -$3.6M | -$7.2M |
| Loss on sale of OREO | $21.0K | ||
| Amortization on junior subordinated debentures | $1.0M | $80.0K | $81.0K |
| Gain on repayment of subordinated debt, net | -$34.0K | ||
| Increase in cash surrender value of life insurance policies | -$762.0K | -$724.0K | -$674.0K |
| Amortization/accretion of premiums/discounts on investment securities, net | $136.0K | $35.0K | $340.0K |
| Loss (gain) on equity securities | $230.0K | -$463.0K | $1.1M |
| Depreciation and amortization | $2.0M | $2.0M | $1.7M |
| Core deposit intangible amortization | $948.0K | $1.2M | $1.3M |
| Stock based compensation expense | $653.0K | $588.0K | $726.0K |
| Decrease in deferred loan origination fees, net | -$495.0K | -$93.0K | -$138.0K |
| Net change in interest receivable and other assets | $3.7M | $2.5M | $1.8M |
| Increase in salary continuation plan, net | $385.0K | $185.0K | -$288.0K |
| Net change in interest payable and other liabilities | -$4.6M | -$1.6M | -$5.6M |
| Net cash provided by operating activities | $31.8M | $30.4M | $30.8M |
| Proceeds from maturities of interest bearing deposits in banks | $249.0K | $996.0K | $996.0K |
| Purchase of investment securities AFS | -$15.6M | -$49.9M | -$25.3M |
| Proceeds from maturities, repayments and calls of investment securities AFS | $38.6M | $21.9M | $11.6M |
| Purchase of FHLB stock | -$211.0K | -$634.0K | |
| Redemption (purchase) of FRB stock | $1.9M | -$19.0K | -$24.0K |
| Proceeds from sale of loans held for investment | $2.4M | $6.3M | |
| Purchase of loans | -$31.0M | -$86.1M | -$17.7M |
| (Increase) decrease in loans, net | -$85.4M | $46.3M | $113.6M |
| Purchase of equipment and leasehold improvements, net | -$1.7M | -$1.7M | -$2.1M |
| Net cash (used in) provided by investing activities | -$90.8M | -$62.2M | $80.4M |
| (Decrease) increase in noninterest and interest bearing deposits in banks, net | -$31.1M | $22.1M | -$136.6M |
| Increase in time deposits, net | $10.8M | $79.2M | $183.9M |
| Repayment of subordinated debt | -$64.7M | -$315.0K | |
| Repurchase of common stock | -$6.9M | -$9.2M | -$24.1M |
| Dividends paid on common stock | -$6.6M | -$3.4M | -$3.6M |
| Net cash (used in) provided by financing activities | -$98.6M | $88.3M | $19.5M |
| Decrease in cash and cash equivalents | -$157.5M | $56.5M | $130.7M |
| Interest expense | $40.6M | $40.6M | $27.0M |
| Income taxes paid, net | $8.5M | $6.5M | $12.2M |
| Change in unrealized gain on AFS securities, net of tax | $6.4M | $1.6M | -$3.0M |
| Transfer of loans to held-for-sale | $2.0M | $2.2M | |
| Recognition of ROU assets in exchange for lease obligations | $2.7M | $3.2M | $644.0K |
| Cash dividends declared on common stock not yet paid | -$3.3M | -$1.7M | -$1.2M |
Recent filings
- Aug 25, 20264
- Aug 21, 20264
- Aug 19, 20268-K
- Aug 11, 20264
- Aug 10, 202610-Q
- Aug 3, 20264
- Jul 31, 2026SCHEDULE 13G/A
- Jul 29, 2026144
- Jul 24, 20268-K
- Jul 23, 20268-K
- Jul 23, 20264
- Jul 23, 20264
- Jul 23, 20264
- Jul 23, 20264
- Jul 22, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARBayCom Corp filings on SEC EDGAR
- 2SEC EDGARBayCom Corp filings on SEC EDGAR
- 3SEC EDGARBayCom Corp 10-K for fiscal 2019
- 4SEC EDGARBayCom Corp 10-K for fiscal 2020
- 5SEC EDGARBayCom Corp 10-K for fiscal 2021
- 6SEC EDGARBayCom Corp 10-K for fiscal 2022
- 7SEC EDGARBayCom Corp 10-K for fiscal 2023
- 8SEC EDGARBayCom Corp 10-Q for fiscal 2026
- 9SEC EDGARBayCom Corp 10-Q for fiscal 2026
- 10SEC EDGARBayCom Corp 10-K for fiscal 2019
- 11SEC EDGARBayCom Corp 10-K for fiscal 2019