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Red Flags Detected

  • Executive Departures (new) — Three senior executives departed after June 30, 2026, with $10.5M in one-time costs and accelerated vesting of 47,205 restricted shares, signaling management transition or restructuring.
  • Credit Deterioration (worsened) — Provision for credit losses increased more than tenfold year-over-year to $5.2M in Q2 2026, with net charge-offs rising to $2.9M for the six months from $115K in the prior year.
  • Deposit Concentration (worsened) — Top-ten depositor concentration rose 5.2 percentage points to 16.4%, making the bank more vulnerable to large-depositor withdrawals.
NASDAQ: BCML BayCom Corp 10-Q

BayCom posts -$7.0M net loss in Q2 2026 on $10.5M executive departure costs; provision jumps 25x

Filed August 10, 2026 · Period ending June 30, 2026 · Compared to 10-Q Aug 11, 2025 · ~1 min read

Key Changes

  • high

    Provision for credit losses surged to $5.2M in Q2 2026 from $203K in Q2 2025.

    MD&A: Provision for Credit Losses verify on EDGAR →
  • high

    Top-ten depositor concentration rose to 16.4% ($355.7M) from 11.2% ($245.2M) year-over-year, elevating funding-stability risk if large depositors withdraw.

    Notes: Depositor Concentration view on EDGAR →
  • medium

    Company redeemed one junior subordinated debenture in Q1 2026, reducing outstanding balance from $8.7M to $5.9M and triggering $222K accelerated amortization of deferred issuance costs.

    Notes: Junior Subordinated Debenture Redemption view on EDGAR →

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

Figures/quotes linked to EDGAR · Narrative written by AI · Aug 19, 2026 · How we verify