BayCom Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	206.51	203.73	141.24	0.02	202.09
Investment Securities	192.26	121.33	115.85	120.63	120.15
Mortgage-Backed Securities	-	94.64	70.58	58.43	62.6
Total Investments	192.26	215.97	186.43	179.07	182.75
Gross Loans	2,066	1,953	1,928	2,021	1,667
Allowance for Loan Losses	-21.21	-17.9	-22	-18.9	-17.7
Other Adjustments to Gross Loans	-	-	-	-0.08	-1.9
Net Loans	2,045	1,935	1,906	2,002	1,647
Property, Plant & Equipment	25.89	26.77	27.67	29.85	26.5
Goodwill	38.84	38.84	38.84	38.84	38.84
Other Intangible Assets	1.75	2.69	3.92	5.2	6.49
Loans Held for Sale	1.32	2.22	-	2.38	6.47
Accrued Interest Receivable	38.39	8.51	8.42	7.66	5.93
Other Receivables	-	20.07	23.5	22.79	10.57
Restricted Cash	-	160.3	166.3	176.8	177.6
Other Current Assets	-	1.94	2.02	1.57	1.6
Other Real Estate Owned & Foreclosed	-	-	-	0.02	0.02
Other Long-Term Assets	32.08	37.16	36.47	36.25	36.27
Total Assets	2,594	2,665	2,552	2,513	2,351
Interest Bearing Deposits	1,636	1,445	1,486	1,312	1,275
Institutional Deposits	-	100.45	-	-	-
Non-Interest Bearing Deposits	578.07	689	646.28	773.27	710.14
Total Deposits	2,214	2,234	2,133	2,085	1,985
Current Portion of Leases	-	3.9	-	-	-
Accrued Interest Payable	13.98	3.12	3.05	1.41	1.18
Long-Term Debt	-	63.74	63.88	63.71	63.54
Long-Term Leases	13.66	10.49	14.75	17.14	12.66
Trust Preferred Securities	8.73	8.65	8.57	8.48	8.4
Pension & Post-Retirement Benefits	5.12	4.74	4.55	4.84	4.39
Other Long-Term Liabilities	-	11.51	11.54	15.12	12.68
Total Liabilities	2,255	2,340	2,239	2,196	2,088
Common Stock	166.29	172.25	180.91	204.3	157.1
Additional Paid-In Capital	-	0.29	0.29	0.29	0.29
Retained Earnings	178.9	164.83	146.26	124.12	103.06
Comprehensive Income & Other	-6.63	-13.01	-14.59	-11.56	2.17
Shareholders' Equity	338.55	324.37	312.87	317.15	262.61
Total Liabilities & Equity	2,594	2,665	2,552	2,513	2,351
Total Debt	22.39	86.76	87.2	89.33	84.6
Net Cash (Debt)	184.13	117.22	55.29	-87.08	121.07
Net Cash Growth	57.08%	112.02%	-	-	-3.40%
Net Cash Per Share	16.75	10.41	4.58	-6.63	11.13
Filing Date Shares Outstanding	10.81	11.06	11.39	12.36	13.55
Total Common Shares Outstanding	10.81	11.05	11.47	12.74	10.54
Book Value Per Share	31.31	29.36	27.28	24.89	24.91
Tangible Book Value	297.97	282.84	270.12	273.11	217.28
Tangible Book Value Per Share	27.55	25.60	23.55	21.44	20.61

Source: S&P Global Market Intelligence. Banks template. Financial Sources.