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BayCom
BayCom (BCML) investor relations material
BayCom Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Reported Q4 2025 net income of $6.9 million ($0.63 per diluted share), up from $5.0 million in Q3 2025 and $6.1 million in Q4 2024.
Full-year 2025 net income rose 1.3% year-over-year to $23.9 million, driven by higher net interest income and lower noninterest expense.
Management highlighted growth in core lending, improved net interest income, and strengthened balance sheet through debt repayment and increased loan loss reserves.
Financial highlights
Net interest income for Q4 2025 was $25.0 million, up 6.8% from Q3 2025 and 6.1% from Q4 2024.
Annualized net interest margin rose to 4.03% from 3.68% in Q3 2025 and 3.80% in Q4 2024.
Return on average assets was 1.05% for Q4 2025, up from 0.75% in Q3 2025 and 0.94% in Q4 2024.
Noninterest income fell $1.4 million sequentially due to equity securities losses but rose $798,000 year-over-year.
Noninterest expense increased 1.4% sequentially and 1.2% year-over-year, mainly from higher salaries and data processing costs.
Provision for credit losses was $250,000 in Q4 2025, down from $3.0 million in Q3 2025 and up from a $403,000 reversal in Q4 2024.
Total assets were $2.6 billion at December 31, 2025, steady with Q3 2025 and down from $2.7 billion at year-end 2024.
Outlook and guidance
Management expects continued lending demand and stable credit quality in 2026.
Focus remains on disciplined loan growth, prudent credit risk management, and expense control.
Commitment to shareholder value through share repurchases and cash dividends.
Drivers of lower interest-bearing liability cost
What drove the increase in specific loan reserves?
What caused equity securities valuation swing?
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Next BayCom earnings date
Q1 202624 Apr, 2026
BayCom
Next BayCom earnings date
Q1 202624 Apr, 2026
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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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