BayCom 3Q 2026: Revenue $19.75M, EPS $0.1 — 10-Q Summary
Less than 1 min read
BayCom’s net interest income rose year over year, but earnings fell as a $6.8 million loss on the sale of available-for-sale securities and higher noninterest expenses more than offset lower credit-loss provisions and reduced deposit costs. The securities sale was part of a strategic repositioning into higher-yielding, shorter-duration assets.
Financial Highlights
| Metric | Current quarter | Prior year quarter | YoY change |
| Revenue (net interest + noninterest income) | $19.75M | $25.66M | (23%) |
| Net income² | $1.15M | $5.01M | (77.1%) |
| Diluted EPS³ | $0.1 | $0.46 | (78.3%) |
² Reported as “Net income”. ³ Reported as “Diluted earnings per common share”.
Business Highlights
- Net interest income: Increased 9.2% to $25.6 million, reflecting higher loan income and lower deposit and subordinated-debt interest expense.
- Securities repositioning: Sold $106.8 million of available-for-sale securities, recording a $6.8 million loss; proceeds were redeployed into higher-yielding, shorter-duration securities.
- Loan growth: Total loans increased 4.1% from December 31, 2025, to $2.1 billion; new origination...