BayCom Corp (BCML): Business Model Canvas

In der dynamischen Landschaft des regionalen Bankwesens entwickelt sich BayCom Corp (BCML) zu einem strategischen Kraftpaket, das traditionelle Community-Banking-Werte nahtlos mit modernster digitaler Innovation verbindet. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, das personalisierte Finanzlösungen, technologische Agilität und tiefe regionale Marktkenntnisse in den Vordergrund stellt, hat sich BayCom als markanter Akteur im wettbewerbsintensiven Bankenökosystem positioniert. Diese Untersuchung ihres Business Model Canvas offenbart einen umfassenden Ansatz, der technologische Raffinesse, kundenorientierte Dienstleistungen und strategische Partnerschaften in Einklang bringt, um einen einzigartigen Mehrwert auf dem Finanzdienstleistungsmarkt zu schaffen.

BayCom Corp (BCML) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit Finanztechnologieanbietern

BayCom Corp unterhält strategische Technologiepartnerschaften mit bestimmten Finanztechnologieanbietern:

Partner	Technologiefokus	Einzelheiten zur Partnerschaft
Jack Henry & Mitarbeiter	Kernbankensysteme	Unternehmensweite Implementierung einer digitalen Banking-Plattform
Fiserv, Inc.	Zahlungsabwicklung	Transaktionsmanagement und digitale Zahlungslösungen

Zusammenarbeit mit regionalen Bankennetzwerken

BayCom Corp beteiligt sich aktiv an regionalen Bankenkooperationsnetzwerken:

• Mitgliedschaft in der California Bankers Association
• Western Independent Bankers-Netzwerk
• Community Bank Network of California

Partnerschaft mit lokalen Wirtschaftsverbänden

Verein	Art der Zusammenarbeit	Geografischer Geltungsbereich
Handelskammer von San Francisco	Unterstützung bei der Kreditvergabe für Unternehmen	Netzwerke kleiner Unternehmen in der Bay Area
Rat für wirtschaftliche Entwicklung des Silicon Valley	Startup-Finanzierungsprogramme	Technologie-Startup-Ökosystem

Beziehungen zu Technologieanbietern

Zu den Partnerschaften mit Technologieanbietern für digitale Banking-Lösungen gehören:

• Temenos – Digitale Banking-Plattform
• Salesforce – Kundenbeziehungsmanagement
• Microsoft Azure – Cloud-Infrastrukturdienste

Ab 2024 unterstützen diese Partnerschaften Gesamtvermögen: 3,2 Milliarden US-Dollar und 126 Filialnetz für BayCom Corp.

BayCom Corp (BCML) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete BayCom Corp ein Gesamtvermögen von 2,85 Milliarden US-Dollar. Die Bank betreibt 32 Full-Service-Filialen in ganz Kalifornien.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	1,42 Milliarden US-Dollar
Verbraucherkreditportfolio	687 Millionen US-Dollar
Gesamteinlagen	2,53 Milliarden US-Dollar

Entwicklung einer digitalen Banking-Plattform

BayCom investierte im Jahr 2023 4,2 Millionen US-Dollar in digitale Infrastruktur und Technologie-Upgrades.

• Aktive Nutzer der Mobile-Banking-App: 68.500
• Online-Banking-Transaktionen pro Monat: 412.000
• Investition in die Sicherheit digitaler Plattformen: 1,1 Millionen US-Dollar

Kreditvergabe und Portfoliomanagement

Darlehenstyp	Ursprungsvolumen	Durchschnittliche Kredithöhe
Gewerbeimmobilien	612 Millionen Dollar	3,4 Millionen US-Dollar
Kredite für kleine Unternehmen	287 Millionen Dollar	$124,000
Verbraucherkredite	215 Millionen Dollar	$42,500

Risikomanagement und Compliance-Überwachung

Budget der Compliance-Abteilung: 3,6 Millionen US-Dollar im Jahr 2023.

• Compliance-Mitarbeiter: 42 Vollzeitmitarbeiter
• Jährliche Kosten für die behördliche Prüfung: 520.000 US-Dollar
• Investition in Cybersicherheit: 2,1 Millionen US-Dollar

Community-Banking-Unterstützungsinitiativen

Investitionen in die Gemeindeentwicklung im Jahr 2023: 1,8 Millionen US-Dollar.

Initiative	Mittelzuweisung
Programm zur Unterstützung kleiner Unternehmen	$750,000
Lokale Wirtschaftsentwicklung	$620,000
Programme zur Finanzkompetenz	$430,000

BayCom Corp (BCML) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur

Seit dem vierten Quartal 2023 betreibt BayCom Corp 32 Full-Service-Filialen in ganz Kalifornien, die sich hauptsächlich auf die San Francisco Bay Area und die Regionen Südkalifornien konzentrieren.

Standort der Filiale	Anzahl der Filialen	Gesamtvermögen
San Francisco Bay Area	18	1,2 Milliarden US-Dollar
Südkalifornien	14	890 Millionen Dollar

Fortschrittliche digitale Banking-Technologie

Investitionen in digitale Infrastruktur ab 2023:

• Jährliche Technologieinvestition: 4,7 Millionen US-Dollar
• Nutzer der Mobile-Banking-Plattform: 68.000
• Nutzer der Online-Banking-Plattform: 52.000

Erfahrenes Management-Team

Führungsposition	Jahrelange Bankerfahrung
CEO George Lowe	28 Jahre
Finanzvorstand Michael Metzger	22 Jahre

Robuste finanzielle Kapitalbasis

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 3,98 Milliarden US-Dollar
• Kernkapitalquote: 13,6 %
• Gesamtrisikokapitalquote: 14,2 %

Kenntnisse und Fachwissen über den lokalen Markt

Einzelheiten zur Marktkonzentration:

Marktsegment	Marktanteil	Gesamtkreditportfolio
Gewerbeimmobilien	6.3%	1,1 Milliarden US-Dollar
Kredite für kleine Unternehmen	4.7%	420 Millionen Dollar

BayCom Corp (BCML) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für Unternehmen und Privatpersonen

BayCom Corp bietet zielgerichtete Banklösungen mit spezifischen Finanzkennzahlen:

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Geschäftsbanking	12,453	$487,620
Persönliches Banking	45,672	$87,345

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinsangebote ab Q4 2023:

• Geschäftskreditzinssatz: 6,75 %
• Persönliches Sparkonto: 3,25 %
• Einlagenzertifikat (12 Monate): 4,50 %

Lokalisierter Kundenservice-Ansatz

Servicekanal	Kundenzufriedenheitsrate	Durchschnittliche Reaktionszeit
Filialunterstützung	92.3%	14 Minuten
Telefonsupport	88.7%	7,5 Minuten

Bequeme digitale und persönliche Banking-Optionen

Kennzahlen zum Engagement im digitalen Banking:

• Mobile-Banking-Nutzer: 37.845
• Online-Transaktionsvolumen: 2,3 Millionen/Monat
• Eröffnungsrate digitaler Konten: 62 %

Reaktionsschnelle und flexible Finanzdienstleistungen

Servicetyp	Verarbeitungsgeschwindigkeit	Zustimmungsrate
Kredite für kleine Unternehmen	48 Stunden	73%
Refinanzierung von Privatkrediten	36 Stunden	81%

BayCom Corp (BCML) – Geschäftsmodell: Kundenbeziehungen

Personalisiertes Beziehungsmanagement

BayCom Corp unterhält im vierten Quartal 2023 24 Bankzentren in ganz Kalifornien mit einer durchschnittlichen Kundeninteraktionsrate von 67,3 % durch direkte persönliche Bankbeziehungen. Die Bank beschäftigt 342 Kundenbetreuer, die sich um personalisierte Kundendienstinteraktionen kümmern.

Kundeninteraktionskanal	Engagement-Prozentsatz
Persönliche Beratungen vor Ort	42.7%
Digitale Personal-Banking-Interaktionen	34.6%
Telefon-Banking-Unterstützung	22.7%

Digitale Kundensupportkanäle

Die digitale Support-Infrastruktur von BayCom Corp umfasst:

• Mobile-Banking-Anwendung mit 98.732 aktiven Benutzern
• Online-Banking-Plattform für 127.456 registrierte Kunden
• Digitales Kundensupportsystem rund um die Uhr

Community-orientierter Banking-Ansatz

BayCom Corp investierte im Jahr 2023 1,2 Millionen US-Dollar in Community-Engagement-Programme Strategische Fokussierung auf lokale Marktsegmente in Kalifornien.

Community-Engagement-Metrik	Daten für 2023
Lokale Gemeinschaftsveranstaltungen gesponsert	47
Gemeinschaftsinvestitionsbetrag	$1,200,000
Lokale Initiativen zur Unterstützung kleiner Unternehmen	28

Regelmäßige Finanzberatungsdienste

BayCom Corp bietet spezialisierte Finanzberatungsdienste mit den folgenden Kennzahlen:

• Durchschnittliche Beratungsdauer: 45 Minuten
• Beratungshäufigkeit pro Kunde: 2,3 Mal jährlich
• Insgesamt durchgeführte Konsultationen im Jahr 2023: 12.456

Maßgeschneiderte Banklösungen

Entwicklung personalisierter Bankprodukte mit Fokus auf gezielte Kundensegmente:

Kundensegment	Maßgeschneidertes Produkt	Akzeptanzrate
Kleinunternehmer	Flexible Geschäftsprüfung	67.4%
Junge Berufstätige	Digital-First-Sparkonto	54.2%
Ruhestandsplaner	Personalisierte Investitionspakete	42.9%

BayCom Corp (BCML) – Geschäftsmodell: Kanäle

Online-Banking-Plattform

Im vierten Quartal 2023 bedient die Online-Banking-Plattform von BayCom Corp 42.687 aktive Digital-Banking-Nutzer. Die Plattform verarbeitete im Geschäftsjahr 1,24 Milliarden US-Dollar an digitalen Transaktionen.

Kennzahlen zum digitalen Banking	Daten für 2023
Aktive digitale Nutzer	42,687
Gesamte digitale Transaktionen	1,24 Milliarden US-Dollar
Durchschnittlicher Transaktionswert	$29,064

Mobile-Banking-Anwendung

Die Mobile-Banking-App von BayCom hat im Dezember 2023 31.542 monatlich aktive Nutzer. Die App unterstützt:

• Mobile Scheckeinzahlung
• Geldtransfers
• Rechnungszahlungen
• Kontoverwaltung

Physisches Filialnetz

BayCom Corp betreibt seit Januar 2024 38 physische Filialen in ganz Kalifornien mit einem Gesamtvermögenswert des Filialnetzes von 287 Millionen US-Dollar.

Details zum Filialnetz	Statistik 2024
Gesamtzahl der physischen Zweige	38
Vermögenswert des Filialnetzes	287 Millionen Dollar
Durchschnittlicher Vermögenswert der Filiale	7,55 Millionen US-Dollar

ATM-Infrastruktur

BayCom unterhält 62 Geldautomatenstandorte, davon 47 im eigenen Besitz und 15 über Partnernetzwerke. Das gesamte Transaktionsvolumen an Geldautomaten betrug im Jahr 2023 276.543 Transaktionen.

Kundendienst-Callcenter

BayCom betreibt zwei Kundenservice-Callcenter, die im Jahr 2023 84.216 Kundeninteraktionen abwickeln, mit einer durchschnittlichen Anruflösungszeit von 7,2 Minuten.

Callcenter-Leistung	Kennzahlen für 2023
Gesamte Kundeninteraktionen	84,216
Durchschnittliche Anruflösungszeit	7,2 Minuten
Kundenzufriedenheitsrate	92.4%

BayCom Corp (BCML) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut BayCom Corp rund 3.750 kleine und mittlere Geschäftskunden in seinen operativen Regionen. Die durchschnittliche Kredithöhe für diese Unternehmen beträgt 425.000 US-Dollar.

Geschäftssegment	Anzahl der Kunden	Durchschnittlicher Kreditbetrag
Einzelhandelsunternehmen	1,275	$385,000
Professionelle Dienstleistungen	1,150	$465,000
Herstellung	825	$512,000

Lokale Handelsunternehmen

BayCom Corp hat 2.600 lokale gewerbliche Unternehmenskunden mit einem gesamten gewerblichen Kreditportfolio von 1,2 Milliarden US-Dollar (Stand Dezember 2023).

• Gewerbliche Immobilienkredite: 675 Millionen US-Dollar
• Baukredite: 275 Millionen US-Dollar
• Betriebskapitallinien: 250 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Die Bank betreut in ihrem Filialnetz 87.500 private Privatkunden. Die Gesamtsumme der Einlagenkonten beträgt 2,3 Milliarden US-Dollar.

Kontotyp	Anzahl der Konten	Gesamteinlagen
Girokonten	52,500	1,4 Milliarden US-Dollar
Sparkonten	35,000	900 Millionen Dollar

Professionelle Dienstleister

BayCom Corp hat 1.950 professionelle Dienstleisterkunden mit spezialisierten Banklösungen.

• Juristen: 625 Kunden
• Gesundheitsdienstleister: 875 Kunden
• Beratungsunternehmen: 450 Kunden

Regionale Community-Banking-Kunden

Die Bank bedient 12 Landkreise mit 37 Filialen und richtet sich mit lokalisierten Finanzdienstleistungen an Community-Banking-Kunden.

Region	Anzahl der Filialen	Gesamte regionale Kunden
Primärer Servicebereich	37	95,750

BayCom Corp (BCML) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Laut dem Jahresbericht 2023 von BayCom Corp beliefen sich die Kosten für die Wartung der Technologieinfrastruktur im Geschäftsjahr auf 4,2 Millionen US-Dollar. Die Aufteilung dieser Kosten umfasst:

Infrastrukturkomponente	Jährliche Kosten
Kernbankensysteme	1,75 Millionen US-Dollar
Cybersicherheitsinfrastruktur	1,3 Millionen US-Dollar
Netzwerk- und Cloud-Dienste	1,15 Millionen US-Dollar

Vergütung und Schulung der Mitarbeiter

Im Jahr 2023 beliefen sich die gesamten mitarbeiterbezogenen Ausgaben der BayCom Corp. auf 22,6 Millionen US-Dollar, mit folgender Aufteilung:

• Grundgehälter: 18,3 Millionen US-Dollar
• Aus- und Weiterbildung: 1,2 Millionen US-Dollar
• Leistungen an Arbeitnehmer: 3,1 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich für BayCom Corp im Jahr 2023 auf insgesamt 3,8 Millionen US-Dollar, darunter:

Compliance-Bereich	Jährliche Ausgaben
Regulatorische Berichterstattung	1,5 Millionen Dollar
Rechts- und Audit-Compliance	1,9 Millionen US-Dollar
Compliance-Technologie	0,4 Millionen US-Dollar

Betriebskosten der Filiale

Die Betriebskosten der BayCom Corp.-Filiale beliefen sich im Jahr 2023 auf 6,5 Millionen US-Dollar und verteilten sich wie folgt:

• Miete und Belegung: 2,7 Millionen US-Dollar
• Versorgungs- und Wartungskosten: 1,8 Millionen US-Dollar
• Zweigstellenausrüstung und -zubehör: 2 Millionen US-Dollar

Investitionen in die Entwicklung digitaler Plattformen

Die Investitionen in die Entwicklung digitaler Plattformen beliefen sich im Jahr 2023 auf 5,6 Millionen US-Dollar mit folgender Aufteilung:

Digitale Plattformkomponente	Investitionsbetrag
Entwicklung von Mobile-Banking-Apps	2,3 Millionen US-Dollar
Upgrades der Online-Banking-Plattform	1,9 Millionen US-Dollar
Verbesserungen der digitalen Sicherheit	1,4 Millionen US-Dollar

BayCom Corp (BCML) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete BayCom Corp einen Gesamtzinsertrag von 110,5 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Zinserträge (Mio. USD)	Prozentsatz
Gewerbeimmobilien	62.3	56.4%
Kommerziell & Industriekredite	28.7	26.0%
Hypothekendarlehen für Wohnimmobilien	19.5	17.6%

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 22,4 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Kontoführungsgebühren: 8,6 Millionen US-Dollar
• Überziehungsgebühren: 4,2 Millionen US-Dollar
• Gebühren für Überweisungen: 3,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 2,9 Millionen US-Dollar
• Sonstige Servicegebühren: 3,0 Millionen US-Dollar

Erträge aus gewerblichen Krediten

Die gewerbliche Kreditvergabe generierte im Jahr 2023 einen Umsatz von 45,3 Millionen US-Dollar, mit folgenden Schlüsselsegmenten:

Segment Gewerbekredite	Umsatz (Mio. USD)
Kredite für kleine Unternehmen	18.6
Kredite für mittlere Unternehmen	26.7

Provisionen für Anlageprodukte

Investmentdienstleistungen generierten im Jahr 2023 Provisionen in Höhe von 15,7 Millionen US-Dollar:

• Vermögensverwaltungsprovisionen: 9,2 Millionen US-Dollar
• Maklergebühren: 4,5 Millionen US-Dollar
• Rentenkontoverwaltung: 2,0 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Digitale Banktransaktionen verursachten im Jahr 2023 Gebühren in Höhe von 6,8 Millionen US-Dollar:

Digitaler Service	Transaktionsgebühren (Mio. USD)
Online-Banking-Transaktionen	3.6
Mobile Banking-Transaktionen	2.4
Digitale Zahlungsabwicklung	0.8

BayCom Corp (BCML) - Canvas Business Model: Value Propositions

You're looking at the core value BayCom Corp (BCML), through its United Business Bank subsidiary, delivers to its client base. It's a blend of traditional, relationship-driven banking and the scale needed to handle significant commercial needs.

Personalized financial solutions for businesses and individuals.

BayCom Corp focuses on providing a full suite of services, meaning you aren't just getting a checking account; you're getting access to a knowledgeable contact who understands your regional market. This is evident in their deposit offerings, which cater to a wide variety of clients, from individuals to small to medium-sized businesses.

The value proposition here is tailored access, which supports their overall financial performance. For instance, their Q3 2025 net income was reported at $5.0 million.

• Offerings include demand, savings, money market, and time deposit accounts.
• Treasury management services like balance reporting and ACH origination are available.
• The bank prioritizes local decision-making to foster client relationships.

Expertise in commercial real estate and industrial lending.

This is where BayCom Corp shows its specialization. Their lending portfolio is heavily weighted toward commercial real estate (CRE), which typically involves higher principal amounts and requires deep property-specific knowledge. This expertise is a primary draw for commercial clients.

Here's the quick math on their CRE concentration, based on year-end 2024 figures:

Metric	Amount/Percentage	Date
Total Commercial Real Estate Loans	$1.7 billion	December 31, 2024
CRE Loans as Percentage of Total Loans	85.4%	December 31, 2024
Owner-Occupied CRE Loans	$500.1 million	December 31, 2024
Non-Owner Occupied CRE Loans	$941.9 million	December 31, 2024

What this estimate hides is the specific mix of industrial versus other CRE types, but the sheer scale of $1.7 billion in CRE loans signals a clear value focus. Plus, they operate as an SBA "preferred lender," simplifying the process for small business loans.

Community bank accessibility with modern digital tools.

BayCom Corp balances its local presence with the tools modern clients expect. They maintain a physical footprint to support relationship banking, operating 35 full-service branches across California, Nevada, Washington, New Mexico, and Colorado as of December 31, 2024. Still, you can manage funds remotely.

Digital tools help maintain efficiency, which supports their margin performance. For example, their annualized net interest margin was 3.83% in Q1 2025.

• Digital services include online and mobile banking.
• Remote deposit capture and ATM network access are standard.
• Noninterest-bearing deposits represented 28.2% of total deposits in Q2 2025, suggesting good operational stickiness from their deposit base.

Insured cash sweep (ICS) product for deposit insurance limits.

For larger commercial clients or high-net-worth individuals, the standard FDIC limit of $250,000 per depositor, per bank, is a major constraint. BayCom Corp addresses this directly by participating in the Insured Cash Sweep (ICS) money market product via IntraFi Network. This is a crucial value-add for treasury management.

This service automatically spreads excess balances across a network of participating banks, allowing BayCom Corp to offer clients enhanced FDIC coverage. While the standard limit is $250,000, sweep programs commonly extend coverage to $3-$5 million, or even higher, depending on the network size. This allows BayCom to attract and retain large deposits that might otherwise go to larger national institutions.

To give you a sense of the scale of their balance sheet supporting these services, total assets stood at approximately $2.6 billion as of Q1 2025, and total deposits were $2.1 billion in Q1 2025. Finance: draft the Q4 2025 deposit mix breakdown by end of February.

BayCom Corp (BCML) - Canvas Business Model: Customer Relationships

BayCom Corp, through its wholly owned operating subsidiary, United Business Bank, structures its customer relationships around a dual approach: deep, localized personal service for its core commercial base, supported by scalable digital channels. The foundation of this relationship strategy is its physical footprint, which serves as the anchor for high-touch engagement.

The relationship-driven model is supported by a network of 35 full-service branches, strategically placed across key metropolitan and community markets. This physical presence underpins the high-touch, advisory service for business clients, which is central to BayCom Corp's commercial banking franchise expansion. The bank's total assets stood at approximately $2.6 billion as of Q3 2025, with total loans at about $2.0 billion at the end of Q2 2025, indicating a significant book of business requiring dedicated management.

For automated self-service, BayCom Corp operates within a market where digital adoption is the norm. Industry data suggests that over 83% of U.S. adults utilized digital banking services as of 2025, with 72% of global banking customers preferring mobile apps for core services. This context drives the need for robust digital platforms to handle routine transactions efficiently, freeing up relationship managers for advisory work.

Community-focused engagement is a stated objective, leveraging the geographic spread to build local trust. The 35 branches are distributed across five states, with 16 locations in California, 11 in Colorado, 5 in New Mexico, 2 in Washington, and 1 in Nevada. This structure allows for tailored service delivery in the metropolitan markets like the San Francisco Bay area and Seattle, as well as in community markets.

The commitment to existing relationships is also reflected in capital returns, which supports shareholder confidence, a key relationship metric for publicly traded entities. The quarterly cash dividend was increased to $0.30 per share in November 2025, with an estimated payout ratio of 36% based on recent earnings, suggesting sustainability. Earnings per share (EPS) are forecast to grow by 12.8% per annum.

Key relationship-supporting operational statistics as of mid-to-late 2025:

• Total Deposits: Approximately $2.1 billion (Q1 2025).
• Noninterest-Bearing Deposits: Accounted for 27.7% of total deposits (Q1 2025).
• Loan Portfolio Size: $2.0 billion (Q2/Q3 2025).
• Branch Network Size: 35 full-service branches.
• Dividend Growth: Dividend raised to $0.30 per share (Nov 2025).

The scale of the business managed through these relationships can be summarized as follows:

Metric	Value as of Late 2025 (Approximate)	Reporting Period Context
Total Assets	$2.6 billion	Q3 2025
Total Loans	$2.0 billion	Q3 2025
Total Deposits	$2.1 billion	Q1 2025
Branch Count	35	As of March 2025
Quarterly Dividend Declared	$0.30 per share	November 2025

The bank emphasizes providing a comprehensive suite of sophisticated banking products and services tailored to client needs, while delivering that high-quality, relationship-based client service. This is the core of how BayCom Corp intends to grow its commercial client base and enhance market share across its operating regions.

BayCom Corp (BCML) - Canvas Business Model: Channels

You're looking at how BayCom Corp, through its subsidiary United Business Bank, connects its value proposition to the customer base. It's a blend of traditional community presence and necessary digital access, which is key for a regional player in late 2025.

The physical footprint remains central to the community bank strategy, anchoring relationships in key markets across California, Nevada, Washington, New Mexico, and Colorado. As of September 30, 2025, BayCom Corp operated through a network of 34 full-service banking branches. This physical network supports the local underwriting focus that drives their loan decisions.

The digital channels are there to support 24/7 access and transactional efficiency, which is what your commercial clients expect today. Honestly, if the digital experience lags, the branch count doesn't matter much for retention.

Here's a breakdown of the primary access points for United Business Bank clients:

• 34 full-service United Business Bank branch locations as of September 30, 2025.
• Online banking platform offering 24/7 account access.
• Mobile banking application available for both iOS and Android operating systems.
• An established Automated Teller Machine (ATM) network for cash access.
• Access to treasury management services like wire transfer initiation and ACH origination.

The scale of the physical network, when viewed against the company's total assets of approximately $2.6 billion as of that same date, shows a deliberate choice to maintain a high-touch service model. Still, the digital side is where transaction volume likely lives.

Here's a quick look at the channel distribution and context:

Channel Type	Specific Asset/Count	Data Point Date	Geographic Scope
Full-Service Branches	34 locations	September 30, 2025	5 States (CA, NV, WA, NM, CO)
Digital Access	Online Banking Platform	Late 2025	Global (Internet Access)
Mobile Access	Mobile Banking Application	Late 2025	Global (App Stores)
Physical Access Points	ATM Network	Late 2025	Regional Footprint

The branch breakdown across the footprint, which you can use to map customer density, looks like this:

• California: 16 branches
• Colorado: 11 branches
• New Mexico: 5 branches
• Washington: 2 branches
• Nevada: 1 branch

Finance: draft 13-week cash view by Friday.

BayCom Corp (BCML) - Canvas Business Model: Customer Segments

You're looking at the core groups BayCom Corp (BCML), through its United Business Bank subsidiary, focuses its lending and deposit-gathering efforts on as of late 2025. The business model clearly targets a mix of commercial and retail clients across its operational footprint.

The geographic concentration for serving businesses and their affiliates is explicitly stated in filings, covering California, Washington, New Mexico, and Colorado. This geographic scope directly relates to the Small and mid-sized businesses (SMBs) segment.

The overall scale of the business serving these segments is substantial, with total assets reported around $2.6 billion as of Q3 2025, and total loans at approximately $2.0 billion in the same period. The company also reported a quarterly cash dividend increase to $0.30 per share in November 2025, reflecting confidence in its underlying performance across these segments.

Here's a breakdown of the key customer groups BayCom Corp (BCML) serves:

• Small and mid-sized businesses (SMBs) in the Western US.
• Service professionals and commercial real estate investors.
• Individuals, including students and senior citizens.
• High-Net-Worth Individuals seeking premium services.

BayCom Corp (BCML) explicitly targets small and medium-sized businesses, professional firms, and real estate professionals. The loan portfolio, totaling about $2.0 billion at the end of Q3 2025, is the primary vehicle for serving the commercial segments.

The bank also provides a full range of deposit products and services to these business entities and to individuals. The customer base is diverse, also including nonprofit businesses and labor unions.

The financial scale associated with these segments, based on the latest reported figures, is summarized below. Note that these figures represent the aggregate balance sheet supporting all customer types, not segment-specific revenue:

Metric (As of Q3 2025)	Amount/Value	Context
Total Assets	$2.6 billion	Overall balance sheet size supporting all segments.
Total Loans (Net of Fees)	$2.0 billion	Primary asset class supporting business/professional lending.
Total Deposits	$2.1 billion	Funding base derived from all customer deposit accounts.
Nonperforming Loans (NPL)	$13.9 million	Credit quality metric across the loan portfolio.
Allowance for Credit Losses (ACL)	$20.8 million	Reserve set aside against potential losses from all loans.

The focus on individuals is supported by the offering of personal accounts alongside business services. While specific data on the proportion of deposits or loans attributed to students or senior citizens is not public, these groups fall under the general 'individuals' category receiving deposit products and services.

For High-Net-Worth Individuals, the premium service offering is implied by the bank's full-service nature and focus on commercial relationships, suggesting tailored wealth management or specialized lending not explicitly detailed in the public earnings reports. The bank's strategy emphasizes building long-term partnerships by prioritizing understanding individual client challenges.

Key operational characteristics tied to serving these segments include:

• Net Interest Margin (NIM) reported at 3.72% for Q3 2025.
• Annualized Return on Average Assets (ROAA) at 0.89% for Q1 2025.
• Provision for Credit Losses increased to $3.0 million in Q3 2025.

The company's commitment to capital returns, with a dividend increased to $0.30 per share payable in January 2026, is intended to enhance shareholder value derived from the performance across these customer segments.

BayCom Corp (BCML) - Canvas Business Model: Cost Structure

The Cost Structure for BayCom Corp (BCML) is heavily weighted toward funding costs, personnel, and credit risk provisioning, typical for a regional bank focused on commercial lending.

Interest Expense on Funding: This is a major cost driver, reflecting the cost of deposits and borrowings used to fund the loan portfolio. For the trailing twelve months (TTM) ending September 30, 2025, the $42.16 million total interest expense is a key figure. This breaks down into:

Cost Component	TTM Amount (Millions USD)
Interest Paid on Deposits	$37.13
Interest Paid on Borrowings	$5.03
Total Interest Expense	$42.16

The increase in funding costs is notable; for instance, Interest Paid on Deposits for the TTM ending September 30, 2025, was significantly higher than the $24.04 million reported for FY 2023.

Personnel and Operating Costs: Personnel costs are embedded within the noninterest expense structure. As of the latest available statistics, BayCom Corp maintains a team of 324 employees. This headcount supports the operational network and lending activities. The overall noninterest expense for Q3 2025 was $15.9 million, which is down 0.8% year-over-year, but this figure encompasses all overhead.

The operating costs for the physical footprint, which includes the network of branches (the prompt suggests 33, though recent filings cite 35 as of late 2024), and technology infrastructure, are part of this noninterest expense base. The efficiency ratio for Q3 2025 stood at 62.15%.

Key components contributing to the overall operating cost structure include:

• Salaries and benefits (part of the 324 employee base).
• Operating costs for the physical branch network.
• Technology and data processing expenses.
• Legal and professional fees (which saw a decrease in Q3 2025).

Credit Risk Provisioning: Managing credit quality results in direct expense charges. The Provision for Credit Losses for the third quarter of 2025 was reported at $2.9 million. This was a sharp increase from the $203,000 provision recorded in Q2 2025, reflecting updates to the CECL model and higher reserve requirements. This provision added to the Allowance for Loan Losses, which reached $20.8 million, or 1.02% of total loans, at September 30, 2025.

Debt Management Costs: One-time costs related to balance sheet strengthening are also a factor. Specifically, the amortization of debt issuance costs tied to the early redemption of subordinated debt amounted to $835,000 during Q3 2025. This was a non-recurring item that impacted that quarter's reported earnings.

To summarize the key cost metrics for the period ending September 30, 2025:

Cost Metric	Amount/Period
Interest Expense (TTM)	$42.16 million
Provision for Credit Losses (Q3 2025)	$2.9 million
Amortized Debt Issuance Costs (Q3 2025)	$835,000
Noninterest Expense (Q3 2025)	$15.9 million
Employee Count	324

BayCom Corp (BCML) - Canvas Business Model: Revenue Streams

The primary engine for BayCom Corp (BCML) revenue generation remains its core banking activities, centered on the spread between interest earned on assets and interest paid on liabilities. You see this clearly in the trailing twelve months (TTM) figures ending September 2025.

Net Interest Income (NII), which is the difference between interest revenue and interest expense, was reported at $93.02 million for the TTM ending September 2025. This NII is derived from the Total Interest Income, which for the same TTM period reached $135.18 million.

Here's a look at the key components driving the interest income side of the equation, based on the TTM data available as of September 30, 2025, alongside some quarterly detail for context:

Revenue Component	Period	Amount (Millions USD)
Net Interest Income (NII)	TTM ending Sep '25	$93.02
Total Interest Income	TTM ending Sep '25	$135.18
Interest Income on Loans	TTM ending Sep '25	$111.89
Interest Income on Investments	TTM ending Sep '25	$23.29
Net Interest Income (NII)	Q3 2025	$23.4

Beyond the interest-bearing activities, BayCom Corp generates revenue through various non-interest sources. These fees and gains are crucial for diversifying the income stream, though they can be more volatile quarter-to-quarter, especially the gains on securities.

For the third quarter of 2025, the non-interest income picture showed some shifts:

• Total Non-Interest Income for Q3 2025 was $2.2 million.
• This represented a significant sequential rebound of 48.6% from the prior quarter.
• The Q3 performance was driven by gains in equity securities and lower SBIC fund losses.
• However, this was partially offset by softer service and loan servicing fees, which fall under non-interest income from service charges and fees.
• The TTM figure for Gain (Loss) on Sale of Investments ending September 2025 was a loss of -$1.34 million.

To be defintely clear, the revenue from service charges and fees is part of the Total Non-Interest Income, which was $5.29 million for the TTM ending September 2025, though the quarterly detail suggests fee income was softer in Q3 2025. The gains on sale of loans and equity securities are captured within the non-interest income line, with the TTM data showing a net loss on investment sales of -$1.34 million. Finance: draft 13-week cash view by Friday.