BayCom Corp reported net income of $5.0 million for the third quarter of 2025, compared to $6.4 million in the second quarter of 2025 and $6.0 million in the third quarter of 2024. Shareholders' equity increased by $12.6 million from September 30, 2024, mainly due to growth in retained earnings. For the nine months ended September 30, 2025, net income decreased by $421,000, or 2.4%, compared to the same period in 2024, reflecting a $2.2 million increase in provision for credit losses and a $1.1 million decrease in noninterest income, partially offset by a $1.9 million increase in net interest income, a $468,000 decrease in noninterest expense, and a $468,000 decrease in provision for income taxes. Noninterest expense for the third quarter increased primarily due to a $599,000 rise in salaries and wages and a $65,000 increase in data processing expense, offset by a $726,000 decrease in other expense and a $66,000 decrease in occupancy and equipment expense. Additionally, $400,000 in excess funds from a loss reserve account under the California Capital Access Program were returned to the bank during the quarter.