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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.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.
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