Key Points from the Report

• BayCom Corp’s Common Stock (no par value) is traded on the NASDAQ Stock Market under the symbol BCML.
• As of March 10, 2026, BayCom Corp had 10,909,313 shares of common stock issued and outstanding.
• The company’s public float (market value of shares held by non-affiliates) was approximately \$283.2 million as of June 30, 2025, indicating a substantial presence in the community banking sector.
• BayCom Corp is not a well-known seasoned issuer, a voluntary filer, a smaller reporting company, or an emerging growth company.
• The annual report was prepared and audited in compliance with Section 404(b) of the Sarbanes-Oxley Act by a registered public accounting firm, indicating robust internal controls over financial reporting.
• No restatement of previously issued financial statements was required, but the 2025 financial statements reflect the correction of an error, which may warrant investor attention.
• Portions of the definitive proxy statement for the Annual Meeting of Shareholders (June 16, 2026) are incorporated by reference, indicating the upcoming opportunity for shareholder engagement and voting on key matters.

Potentially Price-Sensitive and Shareholder-Relevant Issues

• Financial Statement Error Correction:
  
  The company disclosed that its financial statements for 2025 include the correction of an error to previously issued financial statements. However, there were no restatements that required a recovery analysis of incentive-based compensation for executive officers. While the error was corrected within the current filing and did not require a formal restatement process, investors should be aware that such corrections can impact confidence in financial reporting and may affect share price in the short term depending on the nature and materiality of the error.
• Strong Internal Controls:
  
  The company’s auditor has filed a report attesting to the effectiveness of BayCom Corp’s internal controls over financial reporting, which should provide reassurance to investors regarding the integrity and accuracy of the company’s financial statements.
• Shareholder Meeting and Proxy Statement:
  
  The definitive proxy statement for the upcoming Annual Meeting of Shareholders will be filed within 120 days of year-end and will contain further details on board elections, executive compensation, and other governance matters. Investors should monitor this closely as proxy issues and board elections can have significant strategic implications.
• Market Value and Share Structure:
  
  With over 10.9 million shares outstanding and a public float of \$283.2 million, BayCom Corp remains a significant player in the California community banking market. Any announcements regarding share buybacks, dividends, or capital actions in the upcoming proxy could be price-moving.
• No Shell Company Status:
  
  The company affirms it is not a shell company, which is important for investor confidence and eligibility for certain regulatory treatments.
• NASDAQ Listing:
  
  The company maintains its listing on the NASDAQ Stock Market, ensuring liquidity and ongoing visibility to institutional and retail investors.

Detailed Table of Contents – For Investor Reference

• SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS
• BUSINESS
• RISK FACTORS
• CYBERSECURITY
• MINE SAFETY DISCLOSURES
• MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND EQUITY SECURITIES
• MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
• QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
• FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
• CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE
• DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE
• EXECUTIVE COMPENSATION
• SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS
• CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE
• PRINCIPAL ACCOUNTANT FEES AND SERVICES
• EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
• FORM 10-K SUMMARY

Conclusion

Investors should closely monitor the upcoming proxy statement and Annual Meeting, as well as any additional disclosures regarding the financial statement error correction. The attestation of internal controls and robust compliance with SEC and NASDAQ regulations are positive signals. However, the financial statement error, even if corrected without a formal restatement, could be a point of market sensitivity. Shareholders are encouraged to review the full 10-K and related proxy statement when available for deeper insights into governance, compensation, and future strategy.

Disclaimer: This summary is provided for informational purposes only and does not constitute investment advice. Investors should refer to the original SEC filings and consult with their financial advisors before making any investment decisions. The analysis herein is based on public information as filed by BayCom Corp and may not include all risk factors or subsequent events affecting the company.

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