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Jun 30, 2025
Baycom Q2 2025 Earnings Report
BayCom reported solid earnings growth in Q2 2025, driven by higher net interest income and controlled expenses.
Key Takeaways
BayCom delivered stronger profitability in Q2 2025, with net income rising to $6.4 million on improved net interest income and lower noninterest expenses. Asset quality remained stable, and deposits grew modestly.
Net income increased to $6.4 million, up 11.6% from Q1 2025
Net interest income grew to $23.2 million, driven by loan growth
Nonperforming loans rose to 0.82% of total loans, reflecting some credit pressure
Deposits increased to $2.2 billion, with 28.2% in noninterest-bearing accounts
Revenue by Segment
Forward Guidance
Management remains cautiously optimistic, focusing on expense control and credit quality amid potential economic headwinds.
Positive Outlook
- Continued new lending activity
- Deposit growth remains steady
- Strong credit discipline maintained
- Share repurchases to continue
- Commitment to cash dividends
Challenges Ahead
- Potential deterioration in economic conditions
- Rising nonperforming loans
- Higher funding costs due to market rate pressures
- Shift in deposits to higher-cost accounts
- Uncertainty in macroeconomic forecasts
Historical Earnings Impact
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Avg. Return Before/After Earnings
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