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BayCom (BCML) investor relations material
BayCom Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.0 million, down 13.6% year-over-year, mainly due to higher provision for credit losses and noninterest expense, partially offset by increased net interest and noninterest income, and lower tax provision.
Total assets decreased 2.3% to $2.6 billion at September 30, 2025, mainly due to lower cash and cash equivalents, partially offset by loan growth.
Loan portfolio grew 4.6% year-to-date, with commercial real estate and commercial & industrial loans as key drivers.
Shareholders' equity increased to $334.3 million, reflecting net income and other comprehensive income, offset by share repurchases and dividends.
Management highlighted strong lending and deposit activity, proactive balance sheet strengthening via subordinated debt repayment, and increased loan loss reserves, incurring one-time costs that reduced EPS.
Financial highlights
Net interest income rose to $23.4 million for Q3 2025, up 2.4% year-over-year, driven by higher loan balances and yields.
Net interest margin was 3.68% for Q3 2025, down from 3.73% a year ago; for the nine months, it improved to 3.76% from 3.72%.
Provision for credit losses increased to $2.9 million for Q3, reflecting loan growth and higher reserves.
Noninterest income increased 48.6% sequentially to $2.2 million, but fell 18.1% year-over-year, mainly due to lower gains on equity securities.
Noninterest expense was $15.9 million, down 0.8% year-over-year, with lower legal/professional fees and other expense offsetting higher salaries.
Efficiency ratio improved to 62.15% for Q3.
Outlook and guidance
Management expects to continue paying quarterly dividends and focus on share repurchases, subject to board discretion.
No material changes in risk factors or critical accounting policies were reported.
The company remains focused on organic and acquisition-driven growth in commercial banking.
Management expects stable credit quality and improving earnings performance.
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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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