BayCom Corp

For the period ended Jun 30, 2026. Filed Aug 10, 2026.

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.

Jun 30, 2026 · Filed Aug 10, 2026

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


· · Six months ended ·
· · June 30, ·
· · 2026 · · 2025 ·
· · · · · · ·
Cash flows from operating activities: · · · · ·
Net income	$1,218	$12,066
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	4,571	845
Deferred tax (benefit) expense	(3,382)	801
(Accretion) amortization on acquired loans	(158)	7
Gain on sale of loans	(212)	(252)
Proceeds from sale of loans originated for sale	2,810	4,496
Loans originated for sale	(2,579)	(3,372)
Amortization on junior subordinated debentures	255	41
Increase in cash surrender value of life insurance policies	(393)	(377)
Amortization of premiums on investment securities, net	50	57
(Gain) loss on equity securities	(153)	248
Depreciation and amortization	995	966
Core deposit intangible amortization	227	506
Stock based compensation expense	1,354	302
Increase (decrease) in deferred loan origination fees, net	119	(476)
Net change in interest receivable and other assets	(3,679)	2,945
Increase in salary continuation plan, net	113	123
Net change in interest payable and other liabilities	10,967	(3,278)
Net cash provided by operating activities	12,123	15,648
Cash flows from investing activities:
Proceeds from maturities of interest bearing deposits in banks	—	249
Purchase of investment securities AFS	(24,414)	(3,580)
Proceeds from maturities, repayments and calls of investment securities AFS	23,333	16,201
Purchase of FHLB stock	(522)	(211)
Purchase of FRB stock	(11)	(8)
Proceeds from sale of loans held for investment	8,658	—
Purchase of loans	(66,548)	(20,644)
Decrease (increase) in loans, net	47,503	(24,940)
Purchase of equipment and leasehold improvements, net	(907)	(892)
Net cash used in investing activities	(12,908)	(33,825)

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS – (continued)


· · Six months ended
· · June 30,
· · 2026 · · 2025 ·
· · · · · ·
Cash flows from financing activities: · · · ·
Increase (decrease) in noninterest and interest bearing deposits in banks, net	62,527	(47,807)
(Decrease) increase in time deposits, net	(106,249)	432
Repayment of junior subordinated debentures	(3,093)	—
Increase in other borrowings, net	25,000	—
Repurchase of common stock	—	(5,187)
Dividends paid on common stock	(6,532)	(1,669)
Net cash used in financing activities	(28,347)	(54,231)
Decrease in cash and cash equivalents	(29,132)	(72,408)
Cash and cash equivalents at beginning of period	206,514	364,032
Cash and cash equivalents at end of period	$177,382	$291,624

Supplemental disclosure of cash flow information:
Cash paid during the year for:
Interest expense	$17,565	$20,024
Income taxes paid, net	5,999	4,953


Non-cash investing and financing activities:
Change in unrealized gain on AFS securities, net of tax	$811	$2,884
Transfer of loans to held-for-sale	—	276
Recognition of ROU assets in exchange for lease obligations	3,660	1,469
Cash dividends declared on common stock not yet paid	(3,273)	(2,198)

ContentsView on SEC.gov

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