BayCom Corp

For the period ended Sep 30, 2026. Filed Nov 9, 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.

Sep 30, 2026 · Filed Nov 9, 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


· · Nine months ended ·
· · September 30, ·
· · 2026 · · 2025 ·
· · · · · · ·
Cash flows from operating activities: · · · · ·
Net income	$2,363	$17,073
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	5,414	3,818
Deferred (benefit) tax expense	(2,501)	1,495
(Accretion) amortization on acquired loans	(40)	180
Gain on sale of loans	(325)	(251)
Loss on sale of AFS securities	6,832	—
Proceeds from sale of loans originated for sale	4,012	4,496
Loans originated for sale	(3,659)	(3,372)
Amortization on junior subordinated debentures	270	61
Increase in cash surrender value of life insurance policies	(595)	(571)
Amortization of premiums on investment securities, net	63	95
Loss (gain) on equity securities	436	(523)
Depreciation and amortization	1,348	2,460
Core deposit intangible amortization	341	748
Stock based compensation expense	1,627	475
Increase (decrease) in deferred loan origination fees, net	41	(505)
Net change in interest receivable and other assets	(1,343)	1,011
Increase in salary continuation plan, net	120	254
Net change in interest payable and other liabilities	10,557	(3,951)
Net cash provided by operating activities	24,961	22,993
Cash flows from investing activities:
Proceeds from maturities of interest bearing deposits in banks	—	249
Purchase of investment securities AFS	(133,741)	(11,569)
Proceeds from maturities, repayments and calls of investment securities AFS	30,801	24,692
Proceeds from sales of investment securities AFS	106,776	—
Proceeds from calls and sales of equity securities	9,454	—
Purchase of FHLB stock	(522)	(211)
Purchase of FRB stock	(45)	(12)
Proceeds from sale of loans held for investment	9,947	—
Purchase of loans	(118,394)	(24,633)
Decrease (increase) in loans, net	18,273	(64,479)
Purchase of equipment and leasehold improvements, net	(1,198)	(2,008)
Net cash used in investing activities	(78,649)	(77,971)

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS – (continued)


· · Nine months ended
· · September 30,
· · 2026 · · 2025 ·
· · · · · ·
Cash flows from financing activities: · · · ·
Increase (decrease) in noninterest and interest bearing deposits in banks, net	124,126	(16,767)
(Decrease) increase in time deposits, net	(45,579)	10,810
Repayment of junior subordinated debentures	(3,093)	—
Repayment of subordinated debt	—	(64,685)
Increase in other borrowings	25,000	—
Repayment of other borrowings	(25,000)	—
Repurchase of common stock	—	(6,096)
Dividends paid on common stock	(9,805)	(3,870)
Net cash provided by (used in) financing activities	65,649	(80,608)
Increase (decrease) in cash and cash equivalents	11,961	(135,586)
Cash and cash equivalents at beginning of period	206,514	364,032
Cash and cash equivalents at end of period	$218,475	$228,446

Supplemental disclosure of cash flow information:
Cash paid during the period:
Interest expense	$26,492	$32,287
Income taxes paid, net	6,269	6,473


Non-cash investing and financing activities:
Change in unrealized gain on AFS securities, net of tax	$2,099	$5,044
Transfer of loans to held-for-sale	1,117	697
Recognition of ROU assets in exchange for lease obligations	3,660	2,701
Cash dividends declared on common stock not yet paid	(3,277)	(2,724)

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.