BayCom Corp
baycomcorp.q4ir.comWhat Do They Do?
Provides commercial loans, deposit accounts and cash-management services to businesses, business owners and individual consumers.
10-K for FY2025, filed Mar 16, 2026General. BayCom is a bank holding company headquartered in Walnut Creek, California. BayCom’s wholly owned banking subsidiary, United…View ↗
We provide a comprehensive suite of financial solutions that competes with large, national institutions, but with the personalized…View ↗
Lending Activities. We offer a full range of lending products, including commercial and multifamily real estate loans (including…View ↗
How Do They Make Money?
It earns most of its income from interest on loans and investments, less interest paid on deposits and other interest-bearing funding. It also collects monthly account fees and transaction fees when account, card and merchant payment services are used.
10-K for FY2025, filed Mar 16, 2026The profitability of our operations depends primarily on our net interest income after provision for credit losses, which is the difference…View ↗
Most of our revenue-generating transactions are not subject to Topic 606, including revenue generated from financial instruments, such as…View ↗
The Company earns fees from its deposit clients for account maintenance, transaction-based and overdraft services. Account maintenance fees…View ↗
Debit and ATM interchange income represent fees earned when a debit card issued by the Company is used. The Company earns interchange fees…View ↗
Merchant fee income represents fees earned by the Company for card payment services provided to its merchant clients. The Company…View ↗
$135.4M
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10-K for FY2025, filed Mar 16, 2026
$135.4M ↗
Who Are Their Customers?
It serves businesses—including small and medium-sized companies, trade unions and professionals—as well as individual consumers through its branches and bankers. Loan customers also come through walk-ins, brokers and client referrals.
10-K for FY2025, filed Mar 16, 2026We target our services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor…View ↗
We are a business-focused community bank, serving small and medium-sized businesses, trade unions and their related businesses…View ↗
Loan Underwriting and Approval. Our current loan origination activities are governed by established policies and procedures intended to…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 18 cents of every revenue dollar as net income in FY2025 and turned 22 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 10, 2026
−$7MView ↗
- ▼ Now a loss
- vs $6.4M in Q2 FY2025
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Apr 9, 2026
BayCom replaced its CEO and CFO and brought in a new executive team
The board ended the CEO, COO and CFO's roles and appointed new executives, including Christopher Baron as CEO.
Sources
8-K, filed Apr 9, 2026
On April 7, 2026, the Board of Directors (the “Board”) of BayCom Corp (the “Company”) approved a leadership transition of the Company’s…View ↗
Growing. Revenue grew 66% in 4 years, from $81.6M in FY2021 to $135.4M in FY2025, about 13% a year.
Nevada market
The older report described markets in California, Washington, New Mexico and Colorado; the latest also describes Las Vegas, Nevada, as a market for its banking services.
10-K for FY2022, filed Mar 31, 2023 10-K for FY2025, filed Mar 16, 2026We serve the Seattle-Tacoma-Bellevue MSA, which includes King County (which includes the city of Seattle), through two branch offices. We…View ↗
We serve the Seattle-Tacoma-Bellevue MSA, which includes King County (which includes the city of Seattle), through one branch office. In…View ↗
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