BayCom Corp

For the period ended Sep 30, 2025. Filed Nov 7, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 7, 2025

BCML$31.29+0.1%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Statements of Cash Flows (unaudited)

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS


· · Nine months ended ·
· · September 30, ·
· 2025 · 2024 ·
· · · · · · ·
Cash flows from operating activities: · · ·
Net income	$17,073	$17,494
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	3,818	1,668
Deferred tax expense	1,495	3,409
Amortization (accretion) on acquired loans	180	(95)
Gain on sale of loans	(251)	(287)
Proceeds from sale of loans originated for sale	4,496	4,749
Loans originated for sale	(3,372)	(3,562)
Accretion on junior subordinated debentures	61	60
Gain on repayment of subordinated debt, net	—	(34)
Increase in cash surrender value of life insurance policies	(571)	(542)
Amortization/accretion of premiums/discounts on investment securities, net	95	18
Gain on equity securities	(523)	(1,672)
Depreciation and amortization	2,460	1,537
Core deposit intangible amortization	748	916
Stock based compensation expense	475	483
Decrease in deferred loan origination fees, net	(505)	(128)
Net change in interest receivable and other assets	1,011	(7)
Increase in salary continuation plan, net	254	145
Net change in interest payable and other liabilities	(3,951)	(1,783)
Net cash provided by operating activities	22,993	22,369
Cash flows from investing activities:
Proceeds from maturities of interest bearing deposits in banks	249	747
Purchase of investment securities AFS	(11,569)	(39,020)
Proceeds from maturities, repayments and calls of investment securities AFS	24,692	13,140
Purchase of FHLB stock	(211)	—
Purchase of FRB stock	(12)	(14)
Proceeds from sale of loans	—	6,837
Purchase of loans	(24,633)	(64,432)
(Increase) decrease in loans, net	(64,479)	65,032
Purchase of equipment and leasehold improvements, net	(2,008)	(1,643)
Net cash used in investing activities	(77,971)	(19,353)

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS – (continued)


· · Nine months ended
· · September 30,
· 2025 · 2024
· · · · · ·
Cash flows from financing activities: · ·
Decrease in noninterest and interest bearing deposits in banks, net	(16,767)	(8,900)
Increase in time deposits, net	10,810	12,591
Repayment of subordinated debt, net	(64,685)	(315)
Repurchase of common stock	(6,096)	(9,213)
Dividends paid on common stock	(3,870)	(3,434)
Net cash used in financing activities	(80,608)	(9,271)
Decrease in cash and cash equivalents	(135,586)	(6,255)
Cash and cash equivalents at beginning of period	364,032	307,539
Cash and cash equivalents at end of period	$228,446	$301,284

Supplemental disclosure of cash flow information:
Cash paid during the year for:
Interest expense	$32,287	$30,096
Income taxes paid, net	6,473	5,317


Non-cash investing and financing activities:
Change in unrealized gain on AFS securities, net of tax	$5,044	$3,424
Transfer of loans to held-for-sale	697	2,252
Recognition of ROU assets in exchange for lease obligations	2,701	1,629
Cash dividends declared on common stock not yet paid	(2,724)	(1,110)

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.