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BCML on Nasdaq

BayCom Corp

BayCom Corp is a state commercial bank, listed on Nasdaq (BCML).1 It is headquartered in Walnut Creek, California.1

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Last updated Oct 21, 2026.

Overview

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  • TickerBCML on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersWalnut Creek, California1
  • Business address500 Ygnacio Valley Road, Suite 200, Walnut Creek, Ca 945962
  • Filer categoryAccelerated filer2

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income45678$23.9M in 2025+38% since 2019
0$10.0M$20.0M$30.0M2019: $17.3M$17.3M20192020: $13.7M$13.7M2020−21%2021: $20.7M$20.7M2021+51%2022: $23.7M$23.7M2022+15%2023: $27.4M$27.4M2023+16%2024: $23.6M$23.6M2024−14%2025: $23.9M$23.9M2025+1%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
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 shares11.3M shares12.1M 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 shares11.3M shares12.1M shares

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Corporate structure

BayCom Corp sits at the top of its group. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of BayCom Corp

  • BayCom Corp Walnut Creek, California
    • Bethlehem Capital Trust Subsidiary · Delaware, United States
    • First ULB Statutory Trust I Subsidiary · Delaware, United States
    • United Business Bank Subsidiary · California, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What BayCom Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Accumulated depreciation$13.3M8 Dec 31, 2025$11.6M8 Dec 31, 2024+14.7%
Property and equipment, net$13.2M8 Dec 31, 2025$13.4M8 Dec 31, 2024−1.2%
Operating-lease assets (leased space)$12.7M8 Dec 31, 2025$13.4M8 Dec 31, 2024−5.4%

Real estate and locations

ItemLatestA year beforeChange
Stores$348 Dec 31, 2025

Investments

ItemLatestA year beforeChange
Loans, net of allowance$2.0B8 Dec 31, 2025$1.9B8 Dec 31, 2024+5.7%
Deposits held (banks)$2.2B8 Dec 31, 2025$2.2B8 Dec 31, 2024−0.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$38.8M8 Dec 31, 2025$38.8M8 Dec 31, 20240%
Finite-lived intangibles, net$1.7M8 Dec 31, 2025$2.7M8 Dec 31, 2024−35.2%

Properties, in its own words

Our principal executive offices are located at 500 Ygnacio Valley Road, Suite 200, Walnut Creek, California 94596. At December 31, 2025, including our principal executive offices, we operated a total of 34 full-service banking branches consisting of branch offices in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado and Custer, Delta, and Grand Counties, Colorado; Seattle, Washington and Central New Mexico. At December 31, 2025, we owned 15 of our banking branches and leased the remaining 19 branches, which leases expire on various dates through 2030. At December 31, 2025, all our leases had an option to renew with renewal periods between three and 12 years. Many of our branches are equipped with automated teller machines and drive-through facilities. We believe our existing facilities will adequately meet our operational needs for the foreseeable future.

Item 2 of the 10-K filed Mar 16, 2026.13

Leadership

Who has led BayCom Corp, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. George J. Guarini2018–2026
  2. Christopher F. Baron2026–now

President

  1. George J. Guarini2018–2026
  2. Christopher F. Baron2026–now

Chief financial officer

  1. Keary L. Colwell2018–2026
  2. Kevin L. Thompson2026–now

Chief operating officer

  1. Janet Lee King2018–now
20202025
Board members and other officers (20)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Bethlehem Capital Trust Delaware3
  • First ULB Statutory Trust I Delaware3
  • United Business Bank California3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Aug 19, 20268-K Other events37
  2. Jul 24, 20268-K Executive or director change38
  3. Jul 23, 20268-K Results of operations39
  4. Jul 22, 20268-K Executive or director change40
  5. Jun 17, 20268-K Shareholder vote41
  6. May 22, 20268-K Other events42
  7. Apr 30, 2026New chief executive Christopher F. Baron becomes CEO14
  8. Apr 23, 20268-K Executive or director change; Other events43
  9. Apr 23, 20268-K Results of operations44
  10. Apr 9, 20268-K Executive or director change; Regulation FD disclosure45
  11. Feb 19, 20268-K Other events46
  12. Jan 22, 20268-K Results of operations47
  13. Nov 20, 20258-K Other events48
  14. May 3, 2018New chief executive George J. Guarini becomes CEO15

Calendar

Coming up

  1. Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.46 a share, on Oct 23, 2025.49

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results39
  2. Apr 23, 2026Reported quarterly or annual results44
  3. Jan 22, 2026Reported quarterly or annual results47
  4. Oct 23, 2025Reported quarterly or annual results50
  5. Jul 17, 2025Reported quarterly or annual results51
  6. Apr 17, 2025Reported quarterly or annual results52
  7. Jan 23, 2025Reported quarterly or annual results53
  8. Oct 17, 2024Reported quarterly or annual results54

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

265 filings to the SEC since October 2021: 6 annual reports, 19 quarterly reports, 74 major events, 100 insider forms, 29 large holders, 37 other. The latest 20:

  1. Aug 25, 20264 EDGAR
  2. Aug 21, 20264 EDGAR
  3. Aug 19, 20268-K EDGAR
  4. Aug 11, 20264 EDGAR
  5. Aug 10, 202610-Q EDGAR
  6. Aug 3, 20264 EDGAR
  7. Jul 31, 2026SCHEDULE 13G/A EDGAR
  8. Jul 29, 2026144 EDGAR
  9. Jul 24, 20268-K EDGAR
  10. Jul 23, 20268-K EDGAR
  11. Jul 23, 20264 EDGAR
  12. Jul 23, 20264 EDGAR
  13. Jul 23, 20264 EDGAR
  14. Jul 23, 20264 EDGAR
  15. Jul 22, 20268-K EDGAR
  16. Jul 1, 20264 EDGAR
  17. Jul 1, 20264 EDGAR
  18. Jul 1, 20264 EDGAR
  19. Jul 1, 20264 EDGAR
  20. Jul 1, 20264 EDGAR

The 265 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

15 open-market trades by officers, directors and large owners since October 2021: 11 buys and 4 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 21, 2026Laverne Robert G.DirectorBuy1,000$29.85$29.9KForm 4
Aug 20, 2026Laverne Robert G.DirectorBuy1,000$29.95$29.9KForm 4
Aug 10, 2026Baron Christopher FPresident and CEOBuy8,250$30.39$250.7KForm 4
Jul 31, 2026PERDUE MICHAEL JDirectorBuy5,000$30.17$150.8KForm 4
May 26, 2026PERDUE MICHAEL JDirectorBuy3,000$30.94$92.8KForm 4
May 22, 2026PERDUE MICHAEL JDirectorBuy2,000$30.94$61.9KForm 4
May 6, 2026Black William JExecutive Vice ChairBuy26,549$30.22$802.3KForm 4
May 5, 2026Black William JExecutive Vice ChairBuy6,533$29.99$195.9KForm 4
Mar 3, 2025Guarini George J.President and CEOSale27,000$27.50$742.5KForm 4
Mar 13, 2023Guarini George J.President and CEOBuy1,159$17.40$20.2KForm 4
Nov 10, 2022Laverne Robert G.DirectorSale10,000$19.65$196.5KForm 4
Sep 6, 2022Guarini George J.President and CEOBuy2,900$18.67$54.1KForm 4
Aug 31, 2022Guarini George J.President and CEOBuy1,975$18.77$37.1KForm 4
Aug 25, 2022Laverne Robert G.DirectorSale8,650$19.37$167.6KForm 4
Aug 22, 2022Laverne Robert G.DirectorSale11,350$19.43$220.5KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025George J. Guarini$745.9K$1.8M66
2025Keary L. Colwell$430.3K$906.4K66
2025Janet L. King$430.3K$906.2K66
2024Former President and Chief$724.1K$1.2M66
2024Former SeniorExecutive Vice$417.8K$652.9K66

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Wellington Management Group Llp1,015,978$33.4M0.0%−2,644
BlackRock, Inc.926,776$30.5M0.0%+78,633
Royce & Associates LP805,051$26.5M0.2%+82,860
Dimensional Fund Advisors LP637,001$21.0M0.0%+19,144
Vanguard Capital Management LLC462,691$15.2M0.0%−77,009
Geode Capital Management, LLC267,980$8.8M0.0%+16,575
Manufacturers Life Insurance Company, The265,773$8.7M0.0%−102,737
State Street Corp213,187$7.1M0.0%+23,503
American Century Companies Inc169,860$5.6M0.0%+65,568
Hotchkis & Wiley Capital Management LLC122,343$4.0M0.0%+1,060
Bridgeway Capital Management, LLC119,392$3.9M0.1%+15,026
Qube Research & Technologies Ltd98,212$3.2M0.0%New
Northern Trust Corp84,310$2.8M0.0%+767
Two Sigma Investments, LP80,566$2.7M0.0%+47,683
Caldwell Sutter Capital, Inc.80,010$2.6M1.0%No change
First Manhattan Co. Llc.73,350$2.4M0.0%−21,486
Cerity Partners LLC73,573$2.4M0.0%−9,756
Vanguard Fiduciary Trust Co71,892$2.4M0.0%+3,958
Vanguard Portfolio Management LLC69,559$2.3M0.0%+10,768
Morgan Stanley67,920$2.2M0.0%+27,159
Goldman Sachs Group Inc63,466$2.1M0.0%−35,218
Empowered Funds, LLC60,283$2.0M0.0%+4,230
Marshall Wace, Llp44,021$1.4M0.0%New
Renaissance Technologies LLC40,300$1.3M0.0%−13,800
Victory Capital Management Inc40,000$1.3M0.0%New

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How BayCom Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARBayCom Corp1
  • CIK0001730984
  • Employer ID (EIN)37-184911113
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company13
  • Incorporated inCalifornia13
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address500 Ygnacio Valley Road, Suite 200, Walnut Creek, CA 945961
  • Phone925-476-18001
  • Shares outstanding10,920,117 as of Aug 4, 202610
  • Public float$283.2M as of Jun 30, 202513
  • AuditorBaker Tilly US, LLP, Sacramento, California PCAOB ID 23; it also attests to the company’s internal control over financial reporting13
  • On EDGAR sinceFeb 26, 20181
  • Filings489 in all: 4 (161), 8-K (116), 10-Q (26), 3 (24), SC 13G/A (13), 3/A (11), SC 13G (11), CORRESP (9)1
    All 42 form types

    DEF 14A (9), DEFA14A (9), 10-K (8), SCHEDULE 13G/A (8), EFFECT (7), 144 (6), 4/A (6), 425 (5), 8-K/A (5), SCHEDULE 13G (5), UPLOAD (5), 10-Q/A (4), 5 (4), ARS (4), 424B3 (3), FWP (3), S-3 (3), S-4 (3), S-4/A (3), DRSLTR (2), S-1/A (2), S-8 (2), 10-K/A (1), 305B2 (1), 424B4 (1), 424B5 (1), 8-A12B (1), CERT (1), DRS (1), DRS/A (1), PRE 14A (1), S-1 (1), S-1MEF (1), S-3/A (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Apr 29, 2026
    Latest 8-K (8-K) Aug 19, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par value per shareBCMLThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).13

Risk factors and legal proceedings

The risks BayCom Corp names in Item 1A of its 10-K filed Mar 16, 2026: 37 risks under these headings, as written.13

  • Risks Related to Macroeconomic Conditions
  • Our business may be adversely affected by downturns in the national economy and the regional economies in which we operate.
  • Monetary policy, inflation, deflation, and other external economic factors could adversely impact our financial performance and operations.
  • Risks Related to Our Lending Activities
  • Nonperforming assets take significant time to resolve and adversely affect our results of operations and financial condition and could result in further losses in the future.
  • Many of our loans are to commercial borrowers, which have a higher degree of risk than other types of loans.
  • Construction loans are based upon estimates of costs and values associated with the completed project. These estimates may be inaccurate, and we may be exposed to significant losses on loans for these projects.
  • Our business may be adversely affected by credit risk associated with residential property.
  • Agricultural lending and volatility in government regulations may adversely affect our financial condition and results of operations.
  • The success of our SBA lending program is dependent upon the continued availability of SBA loan programs, our status as a preferred lender under the SBA loan programs and our ability to comply with applicable SBA lending requirements.
  • To meet our growth objectives, we may originate or purchase loans outside our market areas, which could affect the level of our net interest margin and nonperforming loans.
  • Our allowance for credit losses may prove to be insufficient to absorb losses in our loan portfolio.
The other 27 risks
  • Risks Related to Market and Interest Rate Changes
  • Our profitability is vulnerable to interest rate fluctuations.
  • We may incur losses on our securities portfolio as a result of increases in interest rates.
  • Risks Related to our Merger and Acquisition Strategy
  • Our strategy of pursuing acquisitions exposes us to financial, execution, compliance and operational risks that could have a material adverse effect on our business, financial condition, results of operations and growth prospects.
  • Any expansion into new markets or new lines of business might not be successful.
  • Risks Related to Accounting Matters
  • We may experience future goodwill impairment, which could reduce our earnings.
  • Our reported financial results depend on management’s selection of accounting methods and certain assumptions and estimates, which, if incorrect, could cause unexpected losses in the future.
  • We are subject to an extensive body of accounting rules and best practices. Periodic changes to such rules may change the treatment and recognition of critical financial line items and affect our profitability.
  • Risks Related to Cybersecurity, Third Parties and Technology
  • We are subject to certain risks in connection with our use of technology.
  • Our security measures may not be sufficient to mitigate the risk of a cyber-attack.
  • Security breaches in our internet banking activities may expose us to liability, loss of business, and damage to our reputation.
  • Our security measures may not protect us from system failures or interruptions.
  • Our current and future uses of Artificial Intelligence (AI) and other emerging technologies may create additional risks.
  • We are subject to certain risks in connection with our data management or aggregation.
  • Our business may be adversely affected by an increasing prevalence of fraud and other financial crimes.
  • The financial services market is undergoing rapid technological changes, and if we are unable to stay current with those changes, we will not be able to effectively compete.
  • Risks Related to Regulatory and Compliance Matters
  • The level of our commercial real estate loan portfolio may subject us to additional regulatory scrutiny.
  • We operate in a highly regulated environment and may be adversely affected by changes in federal and state laws and regulations that could increase our costs of operations.
  • Non-compliance with the USA PATRIOT Act, Bank Secrecy Act, or other laws and regulations could result in fines or sanctions and limit our ability to get regulatory approval of acquisitions.
  • If our enterprise risk management framework is not effective at mitigating risk and loss to us, we could suffer unexpected losses.
  • Climate change and related legislative and regulatory initiatives may materially affect the Company’s business and results of operations.
  • Risks Related to Our Business and Industry Generally
  • We rely on other companies to provide key components of our business infrastructure.
  • Ineffective liquidity management could adversely affect our financial results and condition.
  • Several of our large depositors have relationships with each other, which creates a higher risk that one client’s withdrawal of its deposit could lead to a loss of deposits from other clients within the relationship, which, in turn, could force us to fund our business through more expensive and less stable sources.
  • Our growth or future losses may require us to raise additional capital in the future, but that capital may not be available when it is needed, or the cost of that capital may be exceedingly high.
  • Our liquidity is dependent on dividends from the Bank.
  • We rely heavily on our management team and could be adversely affected by the unexpected loss of key officers and relationship managers.
  • Scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.

Legal proceedings

Periodically, there have been various claims and lawsuits involving the Company, such as claims to enforce liens, condemnation proceedings on properties in which the Company holds security interests, claims involving the making and servicing of real property loans and other issues incident to the Company’s business. The Company is not a party to any pending legal proceedings that it believes would have a material adverse effect on the financial condition or operations of the Company.

The opening of Item 3, Legal Proceedings.13

Sources

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