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  • Auditor Change (new) — The auditor changed from Moss Adams LLP to Baker Tilly US, LLP for the 2025 audit; no disagreements or reportable events disclosed.
NASDAQ: BCML BayCom Corp 10-K

BayCom reduces branches, raises CRE concentration to 411% of capital amid tighter limits

Filed March 16, 2026 · Period ending December 31, 2025 · Compared to 10-K Mar 14, 2025 · ~1 min read

Key Changes

  • high

    Commercial real estate concentration surged from 320% to 411% of regulatory capital, materially exceeding the 300% supervisory threshold and triggering heightened regulatory scrutiny. Legal lending limits declined as capital base contracted.

    Business: CRE concentration verify on EDGAR →
  • high

    Noninterest bearing deposits fell from 30.8% to 26.1% of total deposits, a 4.7 percentage-point decline that increases funding costs and pressures net interest margin.

    Notes: Deposit mix verify on EDGAR →
  • high

    Nonperforming assets to total assets rose from 0.36% to 0.52%, and nonperforming loans to total loans increased from 0.48% to 0.65%, reflecting asset quality deterioration though levels remain relatively low.

    Notes: Asset quality verify on EDGAR →

2 more material changes behind this preview — plus the full narrative summary, section-by-section diffs against the prior filing, and verbatim quotes with EDGAR citations.

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View original filing on SEC.gov View full financials on EDGAR ↗

Source-verified from EDGAR · Narrative written by AI · Jun 21, 2026 · How we verify