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BayCom (BCML) investor relations material
BayCom Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income rose 13.6% to $6.4M for Q2 2025 and 5.1% to $12.1M for the six months ended June 30, 2025, driven by higher net interest income and lower noninterest expense year-over-year.
Net income for Q2 2025 was $6.4 million ($0.58 per diluted share), up from $5.7 million in Q1 2025 and $5.6 million in Q2 2024, reflecting improved net interest income and lower noninterest expense.
Management highlighted continued positive trends in lending and deposit growth, with a resilient financial condition and no signs of systemic credit weakness.
Strategic focus remains on expense management, credit discipline, and shareholder returns through share repurchases and dividends.
Shareholders' equity increased $6.2M to $330.6M, supported by net income and other comprehensive income, offset by stock repurchases and dividends.
Financial highlights
Net interest income increased 3.9% to $23.2M for Q2 2025 and 3.0% to $46.0M for the six months, with net interest margin improving to 3.77% and 3.80%, respectively.
Noninterest income rose 2.0% to $1.5M for Q2 but fell 16.7% to $3.0M for the six months, impacted by equity securities losses and SBIC fund performance.
Noninterest expense decreased 1.6% to $15.8M for Q2 and 1.1% to $31.7M for the six months, reflecting lower legal/professional fees and CalCap reserve returns.
Provision for credit losses was $203K for Q2 and $845K for the six months, mainly due to loan growth and portfolio mix changes.
Efficiency ratio improved to 63.85% for Q2 and 64.79% for the six months, compared to 67.34% and 66.49% in the prior year.
Outlook and guidance
Management expects to continue paying quarterly cash dividends, subject to board discretion and capital requirements.
No material changes in risk factors or liquidity/capital resources are anticipated for the remainder of 2025.
Management expressed cautious optimism, focusing on monitoring economic conditions, maintaining credit quality, and managing expenses.
Commitment to share repurchases and cash dividends continues as part of long-term value creation.
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Frequently asked questions
BayCom Corp operates as the holding company for United Business Bank, offering a wide range of financial services tailored to small and mid-sized businesses, service professionals, and individual clients. The company's services include various deposit products such as demand, savings, money market, and time deposit accounts. It also provides loans for commercial and multifamily real estate, commercial and industrial needs, construction, agriculture, and consumer purposes. The company is headquartered in Walnut Creek, California and its shares are listed on the NASDAQ.
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