)
Visual24 Oct 2025
The rise of Alphabet
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 ($0.46 per diluted share), down from $6.4 million in Q2 2025 and $6.0 million in Q3 2024, mainly due to higher provision for credit losses and noninterest expense, partially offset by increased net interest and noninterest income, and lower tax provision.
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, up 1.1% from Q2 2025 and 2.4% from Q3 2024, driven by higher loan balances and yields.
Noninterest income increased 48.6% sequentially to $2.2 million, but fell 18.1% year-over-year.
Noninterest expense was $15.9 million, up 1.2% from Q2 2025 and down 0.8% from Q3 2024.
Provision for credit losses surged to $2.9 million from $203,000 in Q2 2025 and $1.2 million in Q3 2024.
Net charge-offs were $833,000, including a significant partial charge-off on a nonaccrual commercial loan.
Total assets remained steady at $2.6 billion; loans net of deferred fees were $2.0 billion; deposits were $2.2 billion.
Outlook and guidance
Management expects stable credit quality and improving earnings performance, with continued focus on share repurchases and cash dividends.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next BayCom earnings date
Q4 202522 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage