BayCom Corp
BayCom Corp (NASDAQ: BCML) is a Walnut Creek, California-based bank holding company operating United Business Bank, which serves small and medium-sized businesses and consumers through 34 branches across five Western U.S. states with approximately $2.6 billion in assets.
- Company typePublic
- Founded2004
- HeadquartersWalnut Creek, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What BayCom Corp does
BayCom Corp (NASDAQ: BCML) is a bank holding company founded in 2004 and headquartered in Walnut Creek, California, that operates primarily through its wholly owned subsidiary, United Business Bank. As of recent reporting the company operates 34 full-service banking offices across five Western U.S. states (California, Nevada, Washington, Oregon, and New Mexico), employs approximately 327 full-time equivalents, and holds roughly $2.6 billion in total assets. The franchise serves small and medium-sized businesses, professionals, and individual consumers with commercial and consumer banking products.
BayCom's revenue model is anchored in net interest income generated from commercial real estate, commercial and industrial, residential real estate (including SBA), and consumer lending, funded by a diversified deposit franchise spanning demand, savings, money market, and time deposit accounts. Fee-based income is produced through treasury management, wire transfer, merchant card, and foreign exchange services. The company has historically scaled through inorganic growth, completing more than ten whole-bank and branch acquisitions since inception. In Q1 2026, net interest income reached $25.2 million and noninterest income was approximately $1.5 million, implying annualized total revenue just above $108 million.
BayCom's most significant recent development is an April 2026 leadership transition in which founding CEO George Guarini, COO King, and CFO Colwell departed and were replaced by executives recruited from larger regional banks PacWest Bancorp and Banc of California. The change has drawn investor scrutiny, including a public investigation announced by Pomerantz LLP. Despite the leadership disruption, Q1 2026 operating metrics improved materially: net interest margin expanded to 4.11% from 3.83% year-over-year, ROA rose to 1.25% from 0.89%, and net income grew 43.5% year-over-year to $8.2 million. Capital remains strong, with Tier 1 leverage of 11.70% and Total capital of 15.55%, both well above regulatory minimums.
BayCom Corp firmographics
Firmographics- Name
- BayCom Corp
- Legal name
- BayCom Corp
- Website
- https://baycomcorp.q4ir.com
- Company type
- Public
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- BayCom Corp (NASDAQ: BCML) is a Walnut Creek, California-based bank holding company operating United Business Bank, which serves small and medium-sized businesses and consumers through 34 branches across five Western U.S. states with approximately $2.6 billion in assets.
- Ownership category
- akta.pro rank
BayCom Corp industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Offices of Bank Holding Companies (551111)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
Keywords
Where BayCom Corp is headquartered
LocationHeadquarters
- HQ city
- Walnut Creek
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
BayCom Corp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue driver from interest earned on loan portfolio (including SBA, CalCAP, FSA, USDA guaranteed loans, commercial real estate, construction, equipment financing) and investment securities, net of interest paid on deposits and borrowings. Q1 2026 net interest income was $25.2 million with net interest margin of 4.11%. Q4 2025 net interest income was $25.0 million with margin of 4.03%.
- Noninterest Income: Fees from service charges, loan servicing, gain on sale of loans, merchant card processing, and other banking services. Q1 2026 noninterest income was $1.5 million. Q4 2025 noninterest income was $885,000.
- Dividend Income: Dividend income from FHLB and FRB stock holdings. Q1 2026 included $709,000 in cash dividends including $330,000 special dividend from FHLB.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Quarterly | Quarterly Cash Dividend |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels3 records
BayCom Corp product offering
Product offeringCore offering
BayCom Corp, through its wholly-owned subsidiary United Business Bank, provides a full range of commercial and retail banking products and services. Offerings include SBA, CalCAP, FSA, and USDA guaranteed loans, commercial real estate and construction lending, equipment financing, business and personal deposit accounts (checking, savings, money market, CDs), cash management services, and digital banking platforms delivered across 34 full-service offices in five Western U.S. states.
Product overview
BayCom Corp operates as a holding company with its primary operating subsidiary United Business Bank, offering a unified commercial and retail banking platform. The product portfolio includes business and personal deposit accounts (checking, savings, money market, CDs), business and consumer lending products (commercial real estate, equipment financing, SBA loans, lines of credit), cash management services, and digital banking platforms. The company also participates in government guaranteed loan programs including SBA, CalCAP, FSA, and USDA. The banking services are delivered through 34 full-service offices across California, Nevada, Washington, New Mexico, and Colorado.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Checking Business checking account products including Small Business Checking, Business Interest Checking, Business Account Analysis, and Association Checking for small to medium-sized business customers across the bank's Western U.S. footprint.
- Business Savings Business savings, money market, Certificates of Deposit (CDs), and CDARS products for business customers seeking yield-bearing deposit options with expanded FDIC insurance coverage.
- Personal Checking Personal checking accounts including Personal Checking, Personal Interest Checking, and Exclusive 50 Checking for individual consumer customers.
- Personal Savings Personal savings, money market, Premier Money Market, CDs, CDARS, Individual Retirement Accounts (IRAs), and Health Savings Accounts for individual consumers.
- Business Loans
Quantifiable outcome
- Q1 2026 net income increased 43.5% year-over-year to $8.2 million
- +3 more outcomes
Companies that use BayCom Corp
Customer profileSegments3 records
Ideal customer profiles3 records
BayCom Corp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
BayCom Corp partnerships and signals
Strategic signalScale indicators10 records
Recent moves5 records
Expansion highlights4 records
BayCom Corp competitors and assessment
Company assessmentDirect peers
- Hope Bancorp: California-headquartered commercial bank serving SMB and consumer segments with similar deposit and loan products, comparable in asset size and geographic concentration.
- Banc of California: California-headquartered community/commercial bank formed via the PacWest merger, serving SMBs with comparable deposit, lending, and cash management products across the Western U.S. — and a direct source of BayCom's incoming executive talent.
- Westamerica Bancorporation: Northern California community bank holding company with a multi-branch SMB and consumer banking model of similar deposit and small business loan focus.
- Preferred Bank: Los Angeles-based commercial bank focused on SMB lending, trade finance, and Chinese-American business banking — overlapping substantially with BayCom's California SMB niche.
- First Foundation Inc. California and Texas-based community bank with comparable SMB and high-net-worth lending and deposit franchises; shares Kevin L. Thompson's prior CFO background.
- RBB Bancorp: California-based community bank targeting the Asian-American SMB segment with comparable commercial real estate, SBA, and small business lending products.
- Pacific Premier Bancorp (acquired by Banc of California): Western U.S. community bank with an SMB-focused lending model and SBA specialization, historically a direct competitor in California before its merger with Banc of California.
- CVB Financial (Citizens Business Bank): California-focused community bank offering commercial banking, SBA lending, and treasury management to SMBs, with a similar relationship-driven model and overlapping government-guaranteed loan expertise.
- TriCo Bancshares: Northern California community bank (Tri Counties Bank) offering commercial and consumer banking products of similar size and customer mix, including SBA and CRE lending.
Regional players
- Bank of Hawaii: Mid-sized publicly traded bank holding company with comparable asset base, deposit franchise, and commercial banking model — though operating in Hawaii rather than the Western mainland U.S.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
BayCom Corp social profiles
Digital presenceBayCom Corp compliance and trust
Trust signalCompliance2 records
BayCom Corp financial estimates
Financial estimateRevenue estimate
Valuation estimate
BayCom Corp leadership team
Management profileNumber of profiles
Profiles10 records
BayCom Corp subsidiaries and ownership
Company hierarchySubsidiaries8 records
BayCom Corp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BayCom Corp M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BayCom Corp
What does BayCom Corp do?
BayCom Corp, through its wholly-owned subsidiary United Business Bank, provides a full range of commercial and retail banking products and services. Offerings include SBA, CalCAP, FSA, and USDA guaranteed loans, commercial real estate and construction lending, equipment financing, business and personal deposit accounts (checking, savings, money market, CDs), cash management services, and digital banking platforms delivered across 34 full-service offices in five Western U.S. states.
Is BayCom Corp a public or private company?
BayCom Corp is a public company. It is classified as public and is currently operating.
When was BayCom Corp founded?
BayCom Corp was founded in 2004. It employs 251 to 500 people.
Where is BayCom Corp based?
BayCom Corp is headquartered in Walnut Creek, United States, in the North America region.
How does BayCom Corp make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are noninterest Income and dividend Income.
Who are BayCom Corp's main competitors?
Direct peers on record are Hope Bancorp, Banc of California, Westamerica Bancorporation, Preferred Bank, First Foundation Inc., RBB Bancorp, Pacific Premier Bancorp (acquired by Banc of California), CVB Financial (Citizens Business Bank) and TriCo Bancshares. Bank of Hawaii is listed as a regional player.
Does BayCom Corp have an API?
No public API is recorded for BayCom Corp.
What industry is BayCom Corp in?
BayCom Corp's product category is Community Banking. Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 52211 and its SIC code is 6021.