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Dec 31, 2025
Baycom Q4 2025 Earnings Report
BayCom reported Q4 2025 results with net income rising to $6.9 million driven by higher net interest income and lower credit loss provisions.
Key Takeaways
BayCom delivered a strong Q4 2025, with earnings of $6.9 million as net interest income increased and provision for credit losses declined. Noninterest income fell, primarily due to equity security losses, while noninterest expenses remained stable.
Net income for Q4 2025 reached $6.9 million, up from $5.0 million in Q3.
Net interest income rose to $25.0 million, boosted by higher loan yields.
Noninterest income dropped to $885,000, driven by losses in equity securities.
Total assets stood at $2.59 billion and noninterest-bearing deposits represented 26.1% of total deposits.
Revenue by Segment
Forward Guidance
BayCom expects stable credit quality and continued loan demand in 2026, supported by disciplined growth and expense control.
Positive Outlook
- Optimism for continued lending demand.
- Stable credit quality outlook.
- Focus on disciplined loan growth.
- Ongoing share repurchases to enhance value.
- Maintained strong capital and liquidity position.
Challenges Ahead
- Equity securities contributed to volatility in noninterest income.
- Shift in deposit mix toward higher-cost accounts.
- Lower average balances in interest-bearing bank accounts.
- Continued pressure on net interest income from deposit repricing.
- No specific non-GAAP EPS guidance provided.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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