BCML BayCom Corp

Margins & Returns

BayCom Corp operates as the parent organization for United Business Bank, providing a comprehensive range of financial products and services. Its diverse clientele includes small to mid-sized enterprises, various service professionals, and individual consumers. The bank offers a variety of deposit accounts, such as checking, savings, money market, and certificates of deposit. On the lending front, United Business Bank specializes in several categories: commercial and multifamily real estate loans for both owner-occupied and investment properties; commercial and industrial financing, including equipment loans and revolving lines of credit for working capital; Small Business Administration (SBA) loans; construction and land development funding; agriculture-related loans; and consumer credit solutions like installment loans, secured and unsecured personal lines of credit, and overdraft protection. Beyond traditional banking, the institution offers an extensive suite of modern conveniences and business-focused solutions. These encompass online and mobile banking, ATM access, remote deposit capture, night depository, courier services, direct deposit, and comprehensive treasury management. Further services include wire transfers, Automated Clearing House (ACH) services, debit cards, cashier's and traveler's checks, letters of credit, lockbox services, positive and reverse positive pay, and account reconciliation. Specialized account types such as zero balance accounts and various sweep accounts, including loan sweeps, are also provided. As of December 31, 2021, BayCom Corp maintained a network of 33 full-service banking branches strategically located across Northern and Southern California; Denver, Colorado; Custer, Delta, and Grand counties within Colorado; Seattle, Washington; and Central New Mexico. The company, founded in 2004 and based in Walnut Creek, California, rebranded to BayCom Corp in January 2017, having previously operated as Bay Commercial Bank.